For exchange houses
Remittance is the relationship. It should not be the only product.
Your customers come to you regularly, trust you with money and tell you where their family lives. Almost none of that turns into an account, a savings product or a credit line.
What we hear
Three constraints, in every conversation.
- High frequency, low attachment
A customer who transacts twice a month for five years and holds nothing else with you is a relationship you are not monetising.
- Digital-first competitors
App-based remittance players compete on rate and speed and keep the customer inside their own product surface.
- A license used for one thing
The permissions you already hold usually cover far more than the service you run today.
Where to start
Accounts, multi-currency, cards and payments under your brand, turning a transaction relationship into a held balance.
Modernize the onboarding, engagement and credit decisioning you already run, on the systems you already have.
Commerce, savings and scoring products that plug into the app the customer already opens for the transfer.
A platform built for your structure and asset mix, assembled from proven parts and operated with your team.
Group savings and savings pockets, which is what remittance receivers already do informally with the money when it lands.
Commerce and rewards that give the customer a reason to open the app between transfers.
AI credit scoring built for thin-file customers, and a way to retro-score the applicants you have already turned away.
Deployed inside your own regulatory perimeter, with the products your license already permits. Maly holds no client money and makes no regulated decision.
Start the conversation
Start with your constraint, not our roadmap.
Tell us the license you hold and where the value leaks. We come back with a scope, a timeline and a commercial model.