Nav.Wallet Platform

Mobile money for Africa — M-Pesa-style transfers via USSD, WhatsApp, and mobile app. Review agent networks, KYC tiers, and value-added services below.

Nav.Wallet Overview

Mobile money wallet for Africa — P2P transfers, agent networks, multi-channel access, and tiered KYC powered by ID.Banking

  • M-Pesa-style mobile money
  • USSD, WhatsApp & mobile app
  • Agent network with float management
  • Tiered KYC for progressive access

Wallet Channels

Multi-channel access via mobile app, USSD for feature phones, and WhatsApp conversational banking

  • Mobile app with eBucks theme
  • USSD for feature phone users
  • WhatsApp conversational interface
  • Consistent API across all channels

Agent Network

Hierarchical agent network for cash-in/cash-out operations with float management, commissions, and real-time monitoring

  • Super-agent / sub-agent hierarchy
  • Real-time float management
  • Automated commission calculation
  • Dedicated agent portal

KYC & Compliance

Tiered KYC system with biometric selfie verification, liveness detection, progressive transaction limits, and regulatory compliance for mobile money

  • 3-tier progressive KYC
  • Biometric selfie + ID verification
  • Active liveness detection (anti-spoofing)
  • Configurable transaction limits
  • Real-time fraud detection
  • Sanctions screening on large transfers

Value-Added Services

Airtime purchases, bill payments, and biller integrations available directly from wallet balance

  • Instant airtime purchases
  • Bill payments (electricity, water, DSTV)
  • Auto-reversal on failure
  • Extensible biller registry

Wallet Architecture

System architecture, integration landscape, and data flow diagrams for Nav.Wallet — showing how channels, services, and external providers connect

  • Layered service architecture
  • Adapter pattern for all external integrations
  • Circuit breaker resilience
  • Environment-driven feature flags
  • CILedger as single balance authority