FOR FSPS & MFIS

Payment rails and lending infrastructure,
licensed to run at scale.

For IPEC/RBZ-licensed Financial Service Providers and microfinance institutions — payment aggregation, wallet issuance, and automated lending on infrastructure that scales with your licence, not against it.

AUTOMATED CREDIT SCORING EXCHANGE-OFFER PUBLISHING FROM $200/MO
UNIQUE TO SHAMWARI

Aggregation and lending,
enforced by the protocol.

Four ways FSPs and MFIs put Shamwari to work — from wallet issuance to portable credit history.

PAYMENTS
Payment Aggregation & Wallet Issuance
Issue digital wallets and aggregate payments for your customer base, with exchange-offer publishing unlocked from your first tier — no waiting for a higher licence class.
PRIMITIVES USED
Wallet issuance, multi-currency support
PUBLISH_EXCHANGE_OFFER from entry tier
Aggregation Wallets Payments
LENDING
Automated Loan Processing
Score creditworthiness and disburse approved loans automatically within limits you set — with repayment schedules and collateral enforced by the protocol, not a back-office team.
PRIMITIVES USED
Automated credit scoring
On-chain loan lifecycle, protocol-enforced collateral
Microfinance Lending Automation
REMITTANCES
Remittance Operations at Corridor Scale
Run remittance corridors at FUP limits built for volume — up to 200,000 transactions a month at the top FSP tier — without correspondent banking fees eating the margin.
PRIMITIVES USED
Cross-jurisdiction settlement, built-in DEX FX
High-volume fair-use tiers
Remittances Corridors Volume
CREDIT HISTORY
A Credit Record Your Borrowers Can Take With Them
Every repayment, default and collateral event becomes an immutable on-chain record — the first portable credit history for borrowers outside the formal banking system.
PRIMITIVES USED
Immutable repayment record
Verifiable, cross-institution-portable credit history
Credit Financial inclusion Portability
VALUE PROPOSITION

Lower cost per loan.
Lower cost per corridor.

WITHOUT SHAMWARI
Credit assessment relies on informal methods and manual underwriting — high operational cost per small loan.
Remittance corridors lose 8–12% to fees before the money reaches the recipient.
Every borrower's credit history is trapped in your own systems, worthless to any other lender.
VS
WITH SHAMWARI
Automated credit scoring and protocol-enforced collateral cut the cost of underwriting a small loan.
Cross-border settlement runs under 1% instead of 8–12%, confirmed in under a minute.
Every borrower builds a portable, verifiable credit record they carry to their next lender.
PRICING — FSPS

Payment aggregators,
wallets & remittance operators.

For IPEC/RBZ-licensed Financial Service Providers. Exchange-offer publishing unlocks from Connect; currency minting unlocks at Sovereign.

FSP CONNECT
$300/mo
Annual $2,880/yr — save $720
Up to 5,000 transfers & payments/mo ($2M cap)
500 exchange trades · Exchange-offer publishing
$0.10 overage · 24-hour SLA
FSP GATEWAY
$700/mo
Annual $6,720/yr — save $1,680
Up to 15,000 transfers & payments/mo ($5M cap)
1,500 exchange trades · Totem management unlocked
$0.08 overage · 12-hour SLA
FSP PLATFORM
$1,500/mo
Annual $14,400/yr — save $3,600
Up to 50,000 transfers & payments/mo ($15M cap)
5,000 exchange trades · Full issuance suite
$0.06 overage · 4-hour SLA
FSP SOVEREIGN
$3,000/mo
Annual $28,800/yr — save $7,200
Up to 200,000 transfers & payments/mo ($50M cap)
Unlimited loan ops · Full currency-minting rights
$0.04 overage · 2-hour SLA
PRICING — MFIS

Built for high-volume,
small-value lending.

For RBZ-registered microfinance institutions. Loan-ops fair-use limits are deliberately high — this is the core transaction type MFIs run.

MFI MICRO
$200/mo
Annual $1,920/yr — save $480
Up to 3,000 transfers & payments/mo ($500K cap)
500 loan ops · Exchange-offer publishing
$0.10 overage · 24-hour SLA
MFI REGIONAL
$500/mo
Annual $4,800/yr — save $1,200
Up to 10,000 transfers & payments/mo ($2M cap)
2,000 loan ops · Exchange + limited minting
$0.08 overage · 12-hour SLA
MFI NATIONAL
$1,200/mo
Annual $11,520/yr — save $2,880
Up to 40,000 transfers & payments/mo ($8M cap)
10,000 loan ops · Full issuance + minting
$0.06 overage · 4-hour SLA

Not sure which track fits? Talk to our team · Compare every tier →

GET STARTED

Ready to plug in?

Test payment aggregation and automated lending on our public testnet at no cost, or talk to our team about your licence and volume.

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