Partners
Every institution here already holds the license and the customers.
What differs is the gap. Find the starting point that matches yours.
What you usually do not have is a way to open an account without a branch visit, a way to price a customer without three years of accounts, and a release cycle that moves in weeks.
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.
Finance companies and micro-finance institutions carry the risk appetite and the mandate to serve customers banks refuse. What they usually lack is the decisioning and the distribution to do it at scale.
You have distribution nobody can buy and a wallet in millions of pockets. The gap is between the transfer and everything else people do with money: save together, buy things, celebrate, borrow.
Whatever the license — stored-value, e-money, card scheme or payment services — the problem is the same: it took eighteen months to get, and the product still doesn't exist.
Development finance, a government-linked programme, a group treasury function. If you hold a mandate and need infrastructure, start with a conversation.
Constant across all of them
We built and operate the infrastructure. You stay the regulated party.
Maly does not hold client money, does not take deposits and does not lend.
Customer due diligence, credit approval and pricing decisions stay with you. We supply the tooling and the audit trail.
Products launch under your brand. Customers, contracts and data belong to you, with read access throughout and an exit package if you leave.
Start the conversation
Start with a conversation, not a procurement cycle.
Tell us which layer you need. We will come back with a scope, a timeline and the institutions we have done it for.