New revenue, no new product
A commission per executed order, without touching your license or core wallet.
- Per-transaction royalty
- No fund custody
- Monthly financial reporting
MOBILE MONEY OPERATORS
Embed regional stock markets into your app in 30 days
Add 'Invest' to your mobile money app without touching your license, core wallet, or brand. Your users invest while staying with you.
Transfer revenue is collapsing. Investing repositions you.
Per-transaction P2P transfer margin keeps falling. Investing creates a recurring revenue stream, decoupled from cash-in and cash-out volumes.
[TBD]
Average MoMo transfer commission (2022 to 2025)
[TBD]
Non-transfer revenue share at Nubank and Revolut
[TBD]
UEMOA + CEMAC + Ghana population with active wallet
Why you cannot do this alone
- 1SGI broker license: minimum capital 1 Bn FCFA, 18-month licensing process.
- 2FIX connection to BRVM, BVMAC, and GSE: 9 to 12 months of work.
- 3Securities custody: DC/BR affiliation, annual audits, guarantee capital.
- 4AML/CFT for investing: dedicated team, quarterly reporting.
You can build it in 24 months and 2 billion FCFA. Or embed it in 30 days.
Solution architecture
User
Your MoMo app
Inopay SDK
Inopay routing
Partner SGI
Market
Ed25519-signed portable KYC
User journey demo
The Inopay SDK adapts to your brand. The user stays in your app.
1. 'Invest' tab
A new tab appears in your app's home. No external redirect.
2. Buy in 3 taps
The user picks SONATEL, enters an amount, and confirms with their wallet PIN.
3. Securities held in user's name
Instant confirmation. Securities are registered with the partner SGI in the user's name.
Business model for you
Three-year quantified assumptions, shared in a signed memo.
288 Bn FCFA
Notional volume potential — Year 3
1 Bn FCFA
Estimated operator revenue — Year 3
8M active wallets
Base assumption
Conservative assumptions. For a 60M-user operator, volumes scale proportionally.
Your cost
- Integration setup
- From 50 M FCFA · on request
- Inopay royalty
- Revenue share negotiated by volume
- Commitment
- 6-month pilot with no minimum, then 24-month contract
- Go-live
- 60 to 90 days
90-day integration roadmap
- Étape 1
Weeks 1 to 2
Product kickoff, scoping, sandbox access and test keys.
- Étape 2
Weeks 3 to 6
SDK integration in your app, internal tests, security review.
- Étape 3
Weeks 7 to 8
Selection of partner SGI(s), cross-due diligence.
- Étape 4
Weeks 9 to 10
Internal pilot on employees and power users.
- Étape 5
Weeks 11 to 12
Soft launch on 1 % of base, KPI and incident watch.
- Étape 6
Months 4 to 6
Progressive rollout, optional opening of CEMAC and Ghana markets.
Anticipated risks
| Risk | Inopay response |
|---|---|
| Cash-in / cash-out FX risk | Settlement in FCFA, documented and auditable conversion. |
| Regulatory pressure on MoMos that invest | The operator stays a technical provider; orders are placed with the licensed SGI. |
| User trust loss on a market incident | Inopay never appears. Customer relationship stays under your brand. |
| Single-vendor dependence | Open API, portable KYC, documented exit and portability clauses. |
| Unexpected integration cost | Transparent pricing, no guaranteed minimum during pilot. |
What's in it for you
Three measurable business benefits within the first 90 days.
Premium and diaspora retention
Investment stays your feature; users no longer leave the app.
- Diaspora volume captured
- Daily engagement
- Reduced premium churn
30-day time-to-market
Embedded SDK, portable KYC, documented API. Pilot in 30 days, prod in 90.
- iOS / Android SDK
- Ed25519 KYC
- Unlimited sandbox
Why Inopay and not a B2C broker
True non-custodial architecture
Auditable, no reputation risk carried by your brand.
Ed25519 portable KYC
Two-click onboarding at every partner SGI.
3 markets, 3 regulators
Launch on one market. Expand without re-integrating.
A B2C broker competes with your brand for the end customer. Inopay will never be visible to your user.
Let's run a pilot
45-minute joint product workshop to scope a POC on your user base.