Our Complete Technology & Solutions Portfolio
Soonpay offers a comprehensive ecosystem of modern technologies spanning financial services, e-government infrastructure, blockchain education, and next-generation digital solutions. From cutting-edge fintech innovations and cross-border payment systems to institutional partnerships, validator networks, and technology education—our integrated platform serves individuals, businesses, governments, and educational institutions across the digital economy.
Core Remittance Services
Our flagship product enables individuals and businesses to send money across borders quickly, securely, and at the lowest cost in the market. Built on blockchain technology and stablecoins, we offer instant settlement with transparent pricing.
Key Features
- 2-3% transaction fee (vs. 7-15% industry average)
- Instant settlement in most corridors
- Coverage across 25+ countries in Africa and Latin America
- 20,000+ cash-out locations through our agent network
- Mobile money integration (MTN, Airtel, Orange Money)
- Bank account deposits available
- Real-time transaction tracking
- 24/7 multilingual customer support
For Senders
Save up to 70% on fees, send money instantly, track in real-time
For Recipients
Receive funds within minutes, cash out at 20,000+ locations
For Businesses
Bulk payments, payroll solutions, API integration available
Pricing
B2C Remittances: 2-3% per transaction
B2B Payments: 1-2% per transaction
Bulk Transfers: 0.5-1% per transaction
FX Spread: 0.5-1% on currency conversion
Pre-Remittance (Pre-Dendura) Program
The Pre-Remittance program addresses a critical pain point: migrant workers' families experiencing financial stress during the first months after migration. Workers can pre-fund family wallets before traveling, ensuring immediate support upon departure.
Program Features
- Pre-fund family wallets before travel departure
- Scheduled automatic disbursements (weekly/monthly)
- Family members receive funds via mobile money or cash pickup
- Emergency access for unexpected situations
- Financial literacy training for family members
- Saving goals and budgeting tools included
- Projected 30% adoption rate among new migrants
Peace of Mind
Workers travel knowing family is financially secure from day one
Family Security
Regular, predictable income even during worker's transition period
Financial Planning
Helps families budget and plan rather than emergency spending
Use Cases
Healthcare: Pre-funded accounts ensure families can pay for medical emergencies
Education: Tuition and school fees covered from pre-funded wallets
Living Expenses: Regular disbursements for rent, food, utilities
Business Investment: Family can start small businesses with pre-funded capital
NSSF Partnership Program
Our institutional partnership with Uganda's National Social Security Fund (NSSF), a leader in pension fund management on the continent of Africa, demonstrates how Soonpay can integrate with government and semi-government institutions to provide financial services at scale and tap into the $700B+ continental pension fund assets. This model integrates payroll deductions directly into Soonpay stablecoin accounts.
The $700B+ Opportunity: All Africa Pensions Summit
NSSF Uganda is a key participant in the historic "700b in 1 Room" All Africa Pensions Summit (November 5-7, Kampala, Uganda), where 51 African pension funds representing $700 billion in collective assets are unifying to mobilize capital for continental development.
This initiative, led by the Africa Social Security Association (ASSA), aims to reduce Africa's dependence on foreign financing by leveraging pension funds as "critical levers for inclusive development" in infrastructure, agriculture, and climate financing. With Africa requiring over $1.3 trillion annually for development and traditional donor aid declining, pension funds are stepping up.
Why This Matters for Soonpay: Our partnership with NSSF Uganda—a leader in this continental movement—demonstrates Soonpay's ability to integrate with government institutions at scale. As African pension funds mobilize $700B+ for development, Soonpay's stablecoin infrastructure and cross-border payment technology positions us to serve as the financial rails connecting pension funds, members, and development projects across the continent.
51 Pension Funds
Across Africa represented by ASSA
$700B Assets
Collective pension fund capital being mobilized
NSSF Uganda Leadership
Our institutional partner leading the charge
Continental Scale
Replicable model across 51+ pension systems
Program Features
- Direct integration with payroll systems
- Automatic allocation to Soonpay savings accounts
- Stablecoin-based savings earning yield (4-8% annually)
- Instant access for remittance purposes
- Reduced administrative burden for institutions
- Potential to onboard 1M+ users in first year
- Replicable model for other pension funds and institutions
For Institutions
Modern financial services for members, reduced admin costs, technology partnership
For Members
Earn yield on savings, instant remittance access, financial education
For Soonpay
Massive user acquisition, stable capital base, institutional credibility
How It Works
Step 1: Institution integrates Soonpay API with payroll system
Step 2: Members opt-in to allocate portion of salary to Soonpay account
Step 3: Funds automatically converted to stablecoins and deposited
Step 4: Members earn yield and can send remittances instantly
Replicable across: Government payroll, corporate payroll, pension funds, insurance companies
Life & Health Coverage
SoonPay East and Central Africa Limited (SECAL) has partnered with Prudential Assurance Uganda Limited to provide automatic life and health insurance coverage to all users who transact on the SoonPay platform. This innovative "transact-to-insure" model ensures financial protection for your family without requiring separate insurance applications or additional premiums—coverage activates automatically with every transaction.
Once a customer transacts on the SoonPay platform and submits required biodata (including Next of KIN details), they are automatically covered for 30 days from the transaction date. This removes traditional barriers to insurance access and provides peace of mind for migrant workers and their families.
Coverage Features
- Automatic 30-day coverage with every SoonPay transaction
- USD 280 life insurance payout in case of death (natural or accidental)
- USD 10/day hospital cash benefit for inpatient hospitalization
- Minimum 2 consecutive days hospitalization required (max 25 days/year)
- Coverage for death from natural causes and accidents
- No separate insurance application or premium payment needed
- Next of KIN automatically registered with transaction biodata
- Claims processed by Prudential Assurance Uganda Limited
- Coverage renews automatically with each new transaction
For Migrant Workers
Automatic life insurance protection for your family without extra cost, peace of mind while working abroad
For Families
Financial protection if tragedy strikes, hospital cash support during illness, designated beneficiaries
For SoonPay Users
Insurance coverage as a transaction benefit, no paperwork or applications, seamless integration
Barrier-Free Access
Insurance without traditional barriers, automatic enrollment, inclusive protection for underserved populations
How Coverage Works
Step 1: User completes any transaction on SoonPay platform and submits biodata (legal name, date of birth, Next of KIN details)
Step 2: Coverage automatically activates for 30 days from transaction date
Step 3: In case of death, beneficiary receives USD 280 payout from Prudential
Step 4: For hospitalization (2+ days), receive USD 10/day up to 25 days per year
Step 5: Coverage renews automatically with each new transaction
Policy Details: Policy Number PRU/GLA/0053/2025, issued by Prudential Assurance Uganda Limited
Coverage Benefits
Life Insurance Benefit: USD 280 one-time payment to Next of KIN upon death of covered individual
Hospital Cash Benefit: USD 10 per day of inpatient hospitalization (2-day minimum, 25-day annual maximum)
Coverage Period: 30 days from date of transaction on SoonPay platform
Eligibility: All SoonPay users who complete transaction and submit required biodata
Age Limit: Maximum entry age 65 years
Insurer: Prudential Assurance Uganda Limited (regulated institution)
Claims Requirements
For Death Claims:
Certified Death Certificate
Original death certificate from relevant authority
Identification
National ID or valid passport of deceased
Claim Form
Completed intimation form (provided by Prudential)
Reporting Period
Claims must be reported within 45 days of event
For Hospital Cash Claims: Admission and discharge medical report, Police report (if accident), identification document, completed claim form. Hospitalization must be at registered and licensed medical facility in Uganda.
Important: This coverage is separate from NSSF savings program. NSSF is for retirement/purpose-driven savings, while Life & Health Coverage provides immediate family protection and healthcare support.
Policy Exclusions
Not Covered: Suicide within 2 years of policy inception, war (declared or undeclared), pre-existing chronic conditions not disclosed, hazardous professional activities (skydiving, professional racing, boxing, mountaineering, hunting), illegal drug consumption, non-payment of premiums, disappearance of insured.
Covered for Recreational: Activities listed as hazardous are covered if done recreationally (not professionally)
Military Service: Covered for military service including riot repression, but not aviation risks in military/air force service
B2B Payment Solutions & API Access
Enterprise-grade API infrastructure enabling businesses, banks, and fintech companies to integrate Soonpay's remittance and payment capabilities into their own platforms. White-label solutions available.
API Features
- RESTful API with comprehensive documentation
- Sandbox environment for testing
- Bulk payment processing capabilities
- Real-time transaction status webhooks
- Multi-currency support
- Compliance and KYC/AML integration
- White-label solutions for branding
- Dedicated support and SLAs
- Custom integration assistance
For Banks
Offer modern remittance without building infrastructure
For Fintechs
Add remittance capability to existing products
For Enterprises
Automate global payroll and vendor payments
For Mobile Money
Expand cross-border capabilities instantly
API Pricing Tiers
Starter: $500/month + 1.5% per transaction (up to $500K volume)
Growth: $2,500/month + 1.2% per transaction (up to $5M volume)
Enterprise: Custom pricing for $5M+ monthly volume
White-Label: Custom pricing with rev-share model available
Agent Network Partnership Program
Join Soonpay's network of 20,000+ agents providing cash-in and cash-out services. Our network includes thousands of market vendors spread throughout the country, bringing the last mile of the financial inclusion ecosystem. Perfect for existing retail locations, money transfer operators, or entrepreneurs looking to earn additional revenue.
Agent Benefits
- Earn commission on every transaction (1-2%)
- No franchise fees or upfront costs
- Comprehensive training provided
- Mobile app and POS system supplied
- 24/7 agent support hotline
- Marketing materials and signage provided
- Float management support
- Real-time reporting dashboard
Additional Revenue
Average agent earns $500-2,000/month in commissions
Foot Traffic
Remittance services drive customers to your location
Low Risk
No inventory, minimal overhead, instant settlements
Agent Requirements
Location: Physical retail location with consistent operating hours
Float: $500-5,000 working capital depending on expected volume
Technology: Smartphone or tablet (provided by Soonpay)
KYC: Business registration and owner identification
Training: 2-day onboarding and ongoing support
SoonPaySimu - Affordable Smartphones Program
SoonPay East and Central Africa Limited (SECAL) is revolutionizing financial inclusion through customized affordable smartphones. After Uganda's 2-year COVID lockdown, UBOS research revealed that 79% of Ugandans (40 million people) have mobile phones compared to only 22% with TV access and 32% with radio access. SoonPaySimu leverages this mobile-first reality to build audience, enable financial deepening, and help government widen the tax base.
These ODM-manufactured smartphones come with inbuilt software that enables credit scoring, loan access, and NSSF savings integration. Devices are offered partially on loan with built-in network controls to manage repayment terms—creating a sustainable ecosystem for market vendors, bank agents, and Saccos to access short-term financing while building digital financial literacy.
Program Features
- Target: 40 million smartphones deployed within 5 years
- ODM arrangement for customized hardware and software
- Inbuilt credit scoring system for easy loan access
- Integrated NSSF savings on all short-term loans
- Network control system for repayment enforcement
- Pre-installed SoonPay financial applications
- Merchant ecosystem integration for cashless payments
- Financial literacy and awareness programs included
- Targeted distribution to vendors, bank agents, and Saccos
For Market Vendors
Access affordable smartphones, build credit history, receive short-term loans, integrate into digital economy
For Bank Agents
Enhanced service delivery, digital tools for operations, loan access, savings integration
For Government
Wider tax base, financial deepening, digital literacy, formalized economy, NSSF participation
For SECAL
Massive user acquisition, recurring revenue, financial data, merchant ecosystem, market dominance
Technical Specifications
Processor: 3G: Quad-core MTK6580 | 4G: MTK core (quad/octa options)
Operating System: Android 8.1 Edition Go (optimized for low-end hardware)
Display: 4" 800×480 TN panel with OGS technology
Memory: 512 MB RAM (optional 1 GB / 2 GB configurations)
Storage: 4 GB internal (optional 8 GB / 16 GB configurations)
Connectivity: 802.11 b/g/n WiFi, Bluetooth 4.0 (802.1x support)
4G Bands: LTE-FDD: 2100MHz B1/1800MHz, LTE-TDD: B38, B40 (single SIM)
3G Bands: WCDMA 900/2100 MHz (850/1900 MHz optional)
2G Bands: GSM 850/900/1800/1900 MHz (quad-band)
Camera: Front 0.3 MP, Rear 2 MP (optional upgrade available)
Features: GPS, FM Radio, g-sensor, dual SIM card support
Dimensions: 123.5 × 64.4 × 10.1 mm (compact form factor)
Battery: 1400 mAh (optimized for Android Go efficiency)
Financing Model
Device Subsidy: Partial loan with flexible repayment terms
Credit Scoring: Built-in system tracks usage and payment behavior
Loan Integration: Easy access to microloans through app ecosystem
NSSF Savings: Automatic savings deduction on all loans (builds retirement fund)
Enforcement: Network-level controls block device activity upon default
Revenue Streams: Device margins, loan interest, transaction fees, data services
Market Context & Opportunity
Post-COVID Media Landscape (Uganda):
TV Penetration: 22%
11 million out of 50 million Ugandans
Radio Penetration: 32%
16 million out of 50 million Ugandans
Mobile Penetration: 79%
40 million out of 50 million Ugandans
Digital Divide
Smartphones are the primary gateway to digital economy
Strategic Vision: As Soonpay scales up and integrates SMEs into the cashless merchant ecosystem, there is urgent need to build audience and financial awareness. Based on UBOS statistics, mobile phones represent the most effective avenue to reach Uganda's population. SoonPaySimu creates a virtuous cycle: affordable device access → financial app usage → credit history building → loan access → NSSF savings → formalized economy participation.
Stablecoin Infrastructure Services
Soonpay provides comprehensive stablecoin infrastructure that enables instant, low-cost cross-border transactions. Our multi-stablecoin approach ensures redundancy, optimal pricing, and regulatory compliance.
Infrastructure Features
- Multi-stablecoin support (USDT, USDC, DAI, and others)
- On-ramp and off-ramp services (fiat to crypto and back)
- Instant settlement through blockchain networks
- Transparent, immutable transaction records
- Smart contract-based escrow services
- Yield-bearing stablecoin accounts (4-8% APY)
- Stablecoin swaps and conversions
- Institutional-grade custody solutions
For Individuals
Save in stable currency, earn yield, send money globally instantly
For Businesses
Manage treasury, reduce FX risk, instant B2B payments
For Institutions
Modern financial infrastructure, regulatory compliant, scalable
Use Cases
Savings Accounts: Stablecoin savings earning 4-8% yield vs. 0-2% in traditional banks
Remittances: Instant cross-border transfers at 2-3% cost
B2B Payments: Same-day settlement for international business transactions
Payroll: Pay global workforce instantly in stablecoins or local currency
Treasury Management: Earn yield on corporate cash holdings
University Validator Program
This innovative program partners with universities to run blockchain validator nodes while building capacity in blockchain education. Through comprehensive curriculum development, universities teach students to understand critical blockchain applications including validation, land management, digital identity, supply chain tracking, and more—all while earning validator rewards. Soonpay provides the infrastructure, training, and real-world use cases, creating a win-win: universities gain cutting-edge curriculum and revenue, students gain practical skills, and Soonpay builds a decentralized, reliable infrastructure network.
Program Features
- 50+ campuses targeted to run validator nodes
- Students learn blockchain technology hands-on
- Universities earn validator fees and staking rewards
- Reduces Soonpay's infrastructure costs by 40%
- Creates talent pipeline for blockchain industry
- Curriculum development and training provided
- Research partnership opportunities available
- Job placement assistance for students
For Universities
Earn revenue, modern curriculum, research opportunities, student employment
For Students
Learn cutting-edge tech, earn while learning, job opportunities, real-world experience
For Soonpay
Decentralized infrastructure, talent pipeline, reduced costs, academic credibility
Partnership Model
Equipment: Soonpay provides validator node hardware and software
Training: Faculty and student training on blockchain and operations
Revenue Sharing: University earns 70% of validator rewards
Curriculum & Capacity Building: Joint development of comprehensive blockchain courses covering validation protocols, land management systems, digital identity, smart contracts, and real-world applications—building national capacity in emerging blockchain technologies
Success Example: Makerere University partnership demonstrates viability
Beyond Education: Broader Applications
The validator program can extend beyond universities to:
Land Registry
Validators secure land title records on blockchain
Banking Partners
Banks run validators for transaction processing
Government Services
Public sector participates in infrastructure
Enterprise Partners
Corporations run nodes for their operations
E-Government & Blockchain Solutions
Soonpay partners with governments and public institutions to modernize service delivery through blockchain-powered e-government platforms. By combining blockchain technology with digital government services, we enable increased transparency, security, and efficiency in public administration. Our solutions span identity management, land registries, supply chain management for public goods, and smart contract automation—all designed to prevent fraud, reduce corruption, and restore citizen trust in government institutions.
In partnership with Techcastles, we deliver comprehensive e-government transformation initiatives that digitize manual workflows, modernize legacy systems, and build citizen-centric platforms for the digital age.
Key Applications of E-Government Blockchain
- Secure Identity Management: Store citizens' personal information on blockchain with cryptographic key access, preventing identity theft and eliminating vulnerable centralized databases
- Transparent Supply Chains: Track the movement of public goods like food and medicine to ensure they reach intended recipients, improving efficiency and reducing waste
- Secure Land Registries: Create tamper-proof and transparent records of property titles to reduce fraud and corruption in land transactions
- Automated Smart Contracts: Automate processes like budget allocation, procurement, and contract enforcement, reducing administrative errors and manual inefficiencies
- Digital Voting Systems: Securely record and verify votes to increase transparency and trust in the electoral process
- Data Integrity: Provide a "single view of the truth" for government records, ensuring data is immutable and reducing disputes
- Citizen Service Portals: Deploy decentralized applications (dApps) to make public services more accessible and efficient for citizens
Increased Transparency
All transactions recorded on immutable shared ledger, visible to authorized participants
Enhanced Security
Decentralized cryptographic structure reduces data breaches and tampering risks
Improved Efficiency
Smart contract automation and shared source of truth streamline government operations
Greater Trust
Transparency and security restore public confidence in government institutions
Implementation Areas
Identity & Access Management: Secure citizen identity systems with blockchain-based authentication and cryptographic access controls
Property & Land Titles: Immutable land registry records preventing fraud and disputes over ownership
Public Procurement: Transparent bidding processes and contract tracking to reduce corruption
Benefits Distribution: Auditable tracking of social benefits, pensions, and public assistance programs
Tax Administration: Automated tax filing, collection, and compliance monitoring systems
Healthcare Records: Secure patient data management and interoperability between healthcare providers
Education Credentials: Tamper-proof academic records and credential verification
Voting & Elections: Transparent, secure, and verifiable digital voting infrastructure
Our E-Government Partnership Framework
Working with our technology partner Techcastles, we guide governments through a comprehensive discovery and implementation process:
Strategic Vision
Define transformation goals, success metrics, and 3-5 year roadmap for citizen services
Functional Scope
Identify departments, use cases, and pain points for first-phase implementation
Compliance & Security
Ensure regulatory compliance, data protection, and audit trail requirements
Systems Integration
Connect with legacy systems, databases, and national registries
User Experience
Design citizen-facing and internal staff interfaces with accessibility standards
Infrastructure
Deploy cloud, hybrid, or on-premises architecture with high availability
Operations & Training
Provide staff training, ongoing support, and maintenance
Scalability
Build modular platforms that expand by service area and department
Our Structured Discovery Process
We use a comprehensive 45-question discovery worksheet covering strategic vision, functional requirements, compliance needs, technical preferences, and implementation timelines. This ensures we understand your government's unique needs and design solutions that align with existing processes, legal frameworks, and citizen expectations.
Key Discovery Areas:
• Strategic objectives and desired outcomes (citizen satisfaction, cost reduction, faster processing)
• Department-specific pain points and workflows to digitize
• Regulatory frameworks and compliance requirements (national standards, data protection)
• Integration with existing systems (tax, DMV, voter registries, national ID databases)
• Security requirements (encryption, audit trails, access management)
• User accessibility standards and multilingual support
• Infrastructure preferences (cloud, hybrid, on-premises)
• Training needs and staff readiness
• Budget parameters and implementation timeline
• Future roadmap for analytics, AI-assistance, and open data initiatives
Implementation Model
Discovery Phase: Comprehensive assessment and roadmap development (4-8 weeks)
Phase 1 Deployment: Priority services digitized and integrated (3-6 months)
Training & Support: Staff onboarding and change management programs included
Ongoing Partnership: Managed service, co-managed, or full handoff options available
Technology Partner: Techcastles provides platform development and integration expertise
Liquid Agent - AI Automation Platform
Liquid Agent is Soonpay's proprietary AI-powered automation engine that manages liquidity, optimizes routing, executes hedging strategies, and automates complex financial operations. This technology reduces operational costs by 60% while ensuring 99.9% uptime.
Core Capabilities
- Real-time monitoring of all transaction flows across 25+ countries
- Automated execution of hedging strategies to manage FX risk
- Intelligent routing for optimal transaction costs and speed
- Liquidity optimization across multiple stablecoin pools
- Automated lending and borrowing protocols
- Smart contract management and deployment
- Cross-chain bridge optimization
- Predictive analytics for demand forecasting
- Fraud detection and prevention systems
- Compliance monitoring and reporting automation
Cost Reduction
60% lower operational costs through automation
Reliability
99.9% uptime with redundant systems and AI monitoring
Optimization
Constantly learns and improves routing, pricing, and liquidity management
Scalability
Handles millions of transactions without human intervention
Technical Specifications
Transaction Monitoring: Real-time analysis of flows, patterns, and anomalies
FX Hedging: Automated position management across multiple currency pairs
Liquidity Management: Optimal allocation across stablecoin pools (USDT, USDC, DAI)
Smart Routing: Selects optimal blockchain network and path for each transaction
Yield Optimization: Automatically stakes idle capital for maximum returns
Risk Management: Continuous assessment and mitigation of operational risks
Revenue Streams Generated by Liquid Agent
FX Spread (0.5-1%)
Automated market making
Yield Generation (4-8%)
Staking and lending automation
API Access Fees
Premium features for institutions
Bridge Fees
Cross-chain transaction routing
Revenue Model Overview
How Soonpay Makes Money
Transaction Fees (35%)
2-3% on B2C, 1-2% on B2B remittances
SoonPaySimu Devices (20%)
Smartphone distribution, device margins, loan interest, data services
FX Spread (15%)
0.5-1% on currency conversions
Stablecoin Yield (15%)
4-8% on customer float and prefunding
API & Enterprise (10%)
Monthly fees and transaction revenue
Value-Added Services (5%)
Premium features and consulting
Financial Projections
Year 1 (2025): $500M transaction volume → $12-15M revenue
Year 3 (2027): $3B transaction volume → $60-90M revenue
Year 5 (2029): $10B transaction volume → $200-300M revenue
Path to Profitability: Breakeven at month 18-24, 15-20% net margin by Year 3
Ready to Partner with Soonpay?
Whether you're an individual looking to save on remittances, a university interested in the validator program, an institution seeking modern financial infrastructure, or a business wanting to integrate our API—we're ready to work with you.
What we do for Uganda, we can do for you. Our proven model is ready to deploy in your region, institution, or business.