Distribution is already solved
Agents, USSD, app and SMS reach the customers other institutions spend heavily to acquire. New products travel on channels you already run.
Your wallet base can do more.
An operator already has the three things financial products find hardest to acquire: distribution, verified identity and daily transaction behaviour. What is usually missing is the product set beyond send and receive — and the operational layer that keeps it dependable at national volume.
Behaviour is the credit file
Airtime purchases, wallet flows and repayment history support scoring in markets where bureau coverage is thin or absent.
Scale makes orchestration essential
At national volume, routing, failover and reconciliation stop being nice-to-have engineering and start being the difference between revenue and an outage.
Products that fit
Take the one that solves the immediate problem, then add the others onto the same integration.
Infrastructure
Wallet as a Service
Branded accounts beyond the mobile money balance.
Issue accounts to consumers, merchants and agents with balances, transfers, statements, limits and velocity controls — all under your brand and your rules.
- Consumer, merchant and agent account types
- Transfers, top-ups and withdrawals
- Limit, velocity and balance controls
Payments
Merchant acceptance
Give the merchant base a way to be paid properly.
Checkout, Payment Links and Virtual POS let merchants on your network accept card, wallet and bank payments, which keeps commerce volume inside your ecosystem.
- Hosted or embedded checkout
- Links for merchants without a website
- Phone-based card acceptance
Payments
Bulk Airtime and disbursement
Send airtime, data and money like a payment.
Run allowance, incentive, reward and research payouts as controlled campaigns, with budget caps and delivery confirmation across networks.
- Single sends and scheduled campaigns
- Multi-network delivery confirmation
- Budget caps and campaign reporting
Lending
Salary Advance and Stock Financing
Credit products your data already supports.
Advance earned salary to employees of approved employers, and finance dealers and agents against stock ordered from an anchor supplier, repaid from daily sales.
- Payroll-linked repayment
- Direct supplier disbursement for dealers
- Sales-linked collection
Infrastructure
eKYC and Messaging
Onboarding and notifications at network scale.
Verify identity at registration and confirm every movement of money with transactional messaging tied to the event that caused it.
- Document, biometric and database checks
- Sanctions and watchlist screening
- Event-triggered transactional messaging
Prove it, then scale it
Operators typically extend the wallet before adding credit, so scoring has behaviour to work with.
- 01Broaden the wallet first — merchant acceptance and account types create the transaction history later products depend on.
- 02Put orchestration underneath early; at national volume, failover protects revenue every day.
- 03Introduce credit against a clear anchor — an employer's payroll or a supplier's stock — before general consumer lending.
- 04Keep everything on your brand and channels; Lipaware stays behind the experience.
Questions mobile network operators ask
BanksPayments, orchestration and anchor-based lending.Payment service providersCheckout, payouts and provider orchestration.SwitchesWhite-labelled payment products and wallets.Microfinance & digital creditLending, eKYC and automated collections.Large corporatesPayouts, spend control and supplier finance.
Show us how your money moves
We will map your providers, licences, customer journeys and approval rules to the modules that fit.