For mobile money operators
Send and receive is a utility. Your customers deserve a platform.
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.
What we hear
Three constraints, in every conversation.
- Utility usage, thin margins
People open the app when they have to. Every open is a chance to sell something, and most opens are a transfer that earns a few basis points.
- Products stuck in a build queue
Group savings, commerce and lending are all on the roadmap, and all behind a core platform release.
- Data you are not underwriting on
Wallet behaviour is the richest credit signal in the market and mostly sits unused.
Where to start
Digitised group savings, gifting, savings pockets and community giving. Live in Congo-Brazzaville, deployable in four to six weeks.
A 1,000+ SKU marketplace with rewards, referrals and buy-now-pay-later, all settling on your rails.
One API for merchants and platforms to collect and disburse against the wallet, with settlement onto your book.
Maly is certified and live across the advanced layers of the mobile money stack, including recurring payments, standing mandates, pre-authorisation, USSD delivery and mini-app deployment. Not just a collections endpoint.
Proof
Deployed, not proposed.
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.