Financial inclusion starts where people already shop. Fundu signs up trusted shopkeepers as your bank’s agents, verified by KYB and location, so cash in and out, bills, airtime and data, and a Universal card are a short walk from home, from someone customers already know. Banking reaches people a branch never did.
Unified Financial Operating System for Banks
FunduAgency Banking
Reach Customers Your Branches Never Will
A trusted shopkeeper becomes your agent and serves your customers from their own phone, in your app and your brand
Money moves only when a one-time code confirms the cash has changed hands, so neither side is ever left short
Your teams run the whole network from the Partner portal, and Sonar watches every agent transaction
Everyday Banking at the Corner Shop
Deposit and withdraw cash
Pay electricity, TV and other bills
Top up airtime and data
Pick up a Universal card
For your customers
Cash In and Out, Fully Digital in Both Apps
The customer uses your mobile banking app and the agent uses the merchant app, so every cash deposit and withdrawal is recorded digitally on both sides. The money is held until the cash changes hands, and if anything goes wrong, either side can raise a dispute and the money stays put until it is settled.
01
Deposit cash
The customer shows a QR from the app and hands over the cash. The agent then gives them a one-time code, and entering it lands the money in their account.
02
Withdraw cash
The customer scans the agent’s QR and approves with their PIN. They give the agent the code only once the cash is in their hand.
03
Held in escrow until the cash changes hands
The money never moves straight between customer and agent. It goes into escrow first, and is released only when the one-time code is exchanged between the two, confirming the cash has been handed over. Until then, neither side can lose it.
For your agents
Verified Shopkeepers, Live as Your Agents
A shopkeeper signs up in your app and starts serving customers from their own phone once the checks pass. No terminal to ship and no branch to fit out.
Verified before the first customer
The agent registers their business in the app with its registration, tax ID and directors, and Verifyed completes KYB.
Cash only at the verified shop
Cash services switch on once the shop’s location is verified.
Watched by Sonar
Sonar checks every agent transaction as it happens and reviews fraud and AML patterns at the end of each day.
Launch Fundu Your Way
Standalone App
Microfinance banks and fintechs
- Fundu inside your own app, in your brand
- Accounts on BALANCE core banking
- Live in weeks
Super SDK
Commercial banks
- Fundu as a module in the app you already have
- Your login, your brand, your home screen
- IMS, our Institution Management System on your premises, connects your core
Partner portal
Your Agents, Your Charges, Your Network
Your agency team runs the whole network from the Partner portal: every agent, today’s cash, charges, limits and disputes.
Every agent in view
KYB, verified shop location and today’s cash in and out, agent by agent.
Charges and limits
Set agency charges, daily customer limits and agent withdrawal limits.
Cash disputes
Follow every dispute while the money stays on hold until it is settled.
Maker-checker and portal PIN
Every change waits for a second approver, and each request is signed with the UNIFOS portal PIN, before it goes live.
Lasting Value for Banks Across Africa
Every agent is a counter you did not have to build, open where your customers already shop.
Your customers get cash, bills, airtime and their card a short walk away, from someone they already know.
Agents gain more people through the door, and every visit is a reason to buy something else.
Explore Other Products
- BALANCE · Digital Banking
- Digital and business accounts
- Credit card and prepaid card accounts
- Loan accounts
- Reward points and redemption accounts
- Accepto · Merchant Acceptance
- SoftPOS for contactless payments
- POS terminals
- Payment links and online checkout
- Digital business accounts for settlement
- ScanPay · Pay by QR
- Any merchant’s interoperable QR, any bank
- Static and dynamic QR codes
- Instacard, BALANCE account or another bank’s card
- Checkout on merchant sites
- Instacard · Virtual & Universal Cards
- Virtual and physical card issuance
- Debit, credit, prepaid and gift cards
- Universal card
- Dynamic CVV for online payments
- Contactless payments with virtual cards
- Ace · AI Credit Exchange
- Three-way underwriting with an AI Checker
- Loan and credit card origination
- Portfolio management
- Collections and repayments
- BVN and NIN Checks
- Active and Passive Liveness
- Face Match
- KYB for Merchants and Agents
- Location and Address Proof
- Soft Token with 30-Second Codes
- Rewa · Loyalty Management
- Customised reward programmes
- Reward points and redemption accounts
- Points, cashback and tiers
- DTS · Dual Transaction Service
- Virtual credit cards
- Credit on existing debit cards
- Collections and repayments
- Dynamic limit management
- Guida · In-App Assistant
- Understands requests in multiple languages
- Guides customers through every product
- Tickets for disputes, tracked to resolution
Frequently Asked Questions
Deposit and withdraw cash, pay bills, buy airtime and data, and pick up a Universal card to activate in the app. Everything runs in your app, so the customer never needs to visit a branch.
Launch the Future First
Launching a digital bank? Adding products to your app? Get your own mobile bank in your brand, or the UNIFOS Super SDK inside your app. Tomorrow’s banking, live today. Launch in weeks, on a revenue share.