Super app infrastructure for mobile operators
You already own the customer. Now own the account.
Turn your wallet into the app your customers open every day. Credit, savings, insurance and investing, live on the rails you already run. Weeks, not years. No core replacement. No licence fee.
No platform licence fee. A nominal setup and integration cost, then revenue share.
The operator advantage
Three assets every operator holds, and no bank can buy.
Your KYC is already done
Verified at SIM registration. Reachable on a number you control. Banks spend a decade and a branch network to reach the line you are already standing on.
The app is already in their hand
Top-ups, bills and transfers put you in front of the customer every week. Banks buy that habit with marketing budgets. Your network hands it to you free.
Credit data no lender can see
Top-up cadence, balance behaviour, payment patterns. A creditworthiness signal that sits outside the bureau and inside your network. Nobody else can price this risk.
The customer you are trying to reach is already holding your product.
The market trader taking payment on her phone has no bank account, no credit file and no branch within an hour of her stall. She has a SIM, a balance and a daily transaction history. That is everything a lender needs, and you are the only one who can see it.
Safaricom did not become Kenya's largest lender by building a better bank. It became one because it already had the network.
A Rs 500 sale is the entry point. Credit, savings and insurance are what it is worth.
The commercial case
A wallet earns fees. A super app earns spread.
Three numbers move the day financial services go inside your app. All three move your way.
Fees have a ceiling. Spread does not.
Transaction fees are thin and politically capped. Lending spread, insurance commission and fees on assets under management are neither. Fuliza was Safaricom's highest-revenue product within twelve months.
Nobody ports a number they owe money on
An active advance, a savings goal, a portfolio. Four reasons to stay and one number to keep. Nothing you can sell is stickier than this.
It compounds while you sleep
Every repayment sharpens a credit model trained on data your rivals cannot buy at any price. Year three is far harder to attack than year one.
The stack
Six pillars. One is already yours. We bring the other five.
Payments is live in your wallet today. Everything beside it connects through a single integration, white-labelled, with no second app to download and no second login to remember.
Payments and transfers
- Interbank transfers and QR acceptance
- Cross-border and UPI rails
- Bills and utilities
- Merchant acceptance
Micro-credit and advances
- Data and airtime advance, repaid at next top-up
- Personal micro-loans approved in 24 hours
- Buy now, pay later at checkout
- Bill smoothing across four weekly payments
Earned wage access
- Draw down earned wages before payday
- Salary-backed instant advances
- Employer payroll integrations
- A flat fee per advance, not interest
Investment and trading
- AI stock picks, baskets and ETFs
- Options, futures and derivatives
- Algorithm-driven strategies
- Access to US and global markets
Savings and tontines
- Goal-based saving for school fees and housing
- Digital tontines, formalising informal groups
- Children's accounts under parental control
- Pooled fixed deposits
Insurance and wealth
- Micro-insurance for life, health and crop
- Portfolio management for high-net-worth users
- Daily research and advisory
- Structured products and alternatives
Precedent
Three operators have already done this. None of them were banks.
This is not a thesis about where the market might go. It is a pattern that has repeated in Kenya, the Philippines and across seventeen African markets.
M-Pesa and Fuliza
Safaricom, Kenya
Fuliza is an overdraft that activates automatically when an M-Pesa transaction would otherwise fail, repaid from the next incoming payment. Within twelve months of launch it had disbursed more credit than any bank in Kenya.
GCash
Globe Telecom, Philippines
Globe layered credit, mutual funds, micro-insurance, savings and personal loans into a single wallet. More Filipinos now use GCash than hold a traditional bank account.
MTN Mobile Money
MTN Group, 17 African markets
MoMo now carries loans, savings, insurance and remittances. In Ghana and Uganda it holds a payment bank licence, making the operator the de facto financial institution for millions of people with no bank account at all.
Paytm, Airtel Money across fourteen markets, Grab Financial across South East Asia. The pattern is settled. The only open question is which operator in your market moves first.
In your market, first mover takes the category.
Kenya, the Philippines and Ghana each have one dominant financial super app. Not two. Thirty minutes tells you whether that app is going to be yours.
How it connects
Three ways in. The lightest one works on day one.
You choose the depth of integration. None of them require you to rebuild your wallet, and none of them ask your customers to register again.
One call, full platform
A single API call from your wallet backend unlocks the complete product set for your users. Minimal development effort, maximum capability.
Fastest route to a full deployment.
Your login, our engine
The customer authenticates with your credentials and moves into the investment and lending interface with full session continuity. They never leave your brand.
Best for a fully branded in-app experience.
Live without an integration
The customer taps Invest inside your app and is handed to a hosted interface. No engineering work on your side at all.
Lowest-effort way to test demand.
Track record
Built on a platform that is already running at scale.
RailPays deploys and manages the Torus and Alphaniti platform. These are results from live bank partnerships, not projections.
Licensed and regulated: SEBI registered, RBI NBFC via Reliance Financial Ltd., IRDA insurance. Deployments are configured to the regulator in your market.
Partnership
A nominal setup cost, then we earn what you earn.
There is no platform licence fee. You pay a nominal, one-time setup and integration cost, and after that we are paid out of revenue share on transaction fees, lending spread and fees on assets under management. We say that up front because the number is small, and because everything after it depends on the product actually performing.
RailPays acts as your local implementation partner throughout: localisation, regulatory liaison, integration with your existing rails, and ongoing commercial management of the platform on your behalf.
Alignment and terms
Commercial term sheet, product scope and regulatory review.
About 2 weeksTechnical integration
API or SSO integration with your wallet backend.
4 to 6 weeksPilot launch
Soft launch to a beta group. Adoption monitored, product set refined.
Market dependentFull rollout
Launch across the base, with campaign support. Revenue share begins.
OngoingTell us your monthly active wallet number.
We will come back with what that base is worth as a super app: the products it can carry, the revenue lines it opens, and how long it takes to switch them on.
Book a 30-minute walkthroughGet in touch
Tell us your monthly active wallet number.
We will come back with what that base is worth as a super app: the products it can carry, the revenue lines it opens, and how long it takes to switch them on.