Taking financial services closer to communities

A distribution ecosystem connecting communities with banking, payments, credit and insurance.

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Our distribution ecosystem

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Multiple financial services. One ecosystem.

A comprehensive distribution platform bringing banking, payments, credit and insurance services closer to customers through accessible local outlets.

Key services

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Credit cards

Secured and unsecured credit access.

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Loans

Personal, business and gold loans.

Insurance
Insurance

Coverage ranging from low-ticket plans to vehicle insurance.

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Cash on UPI

Cardless cash withdrawals through UPI.

Insurance
Insurance

Coverage ranging from low-ticket plans to vehicle insurance.

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Agent-led banking across East Africa.

A community-based agent banking network bringing cash-in, cash-out, transfers and everyday financial services closer to communities across East Africa.

Key services

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Money transfer

Send and receive money across the country.

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Bill & utility payments

Pay electricity, water, airtime and other services.

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Account services

Account opening, balance checks and everyday banking.

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Agent earnings

Commission-based income for participating agents.

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Account services

Account opening, balance checks and everyday banking.

Technology & distribution

Technology enabling accessible financial services.

Smartphone-based

Services delivered through a simple digital platform.

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Regional languages

Supporting more inclusive service delivery.

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Cash + digital

Built for markets transitioning from cash to digital.

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Local distribution

Financial access through neighbourhood outlets and agents.

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Simple infrastructure

Designed for easy adoption and scalability.

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airpay vyaapaar is designed to operate through readily available devices and infrastructure, while Wakala is built around simple devices and local agents.

Expanding access. Creating opportunity.

From neighbourhood outlets in India to agent-led financial services across East Africa, airpay is building distribution infrastructure that brings essential financial services closer to everyday communities.

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