Aptiway designed, built and deployed the wallet, agent network and ledger platform now operating nationwide as Wakati, the consumer brand of Huri Money.
| Client | Huri Money — Comores Telecom group |
| Consumer brand | Wakati |
| Market | Union of the Comoros — nationwide |
| Settlement bank | EXIM Bank |
| Scope | Customer wallet app, dealer app, agent network, double-entry ledger, operator admin console, biller and card integrations |
| Model | Full white-label — Aptiway retains the platform IPR, Huri Money owns the customer relationship and the brand |
| Status | Live in production |
Huri Money set out to launch a national mobile-money service in a market where cash still dominates everyday commerce and most people transact outside the formal banking system. There was no incumbent wallet to extend and no existing agent infrastructure to inherit.
That made the requirement unusually complete. It was not an app project. It needed the wallet, the agent network that converts physical cash into e-money, the ledger that keeps both sides honest, the console that lets a small operations team run the whole thing, and the integrations that give people a reason to keep money in the wallet rather than withdrawing it immediately.
It also had to satisfy a central bank. Every movement of value needed to be traceable, reconcilable and reportable from day one — not retrofitted once volumes grew.
Each one is a product in its own right. The value is that they share a single ledger and a single operator console.
A React Native app for iOS and Android, built for people using digital money for the first time.
The physical distribution layer — the “human ATM” model that makes cash-heavy markets work.
Double-entry accounting underneath every action in the system, not a reporting layer bolted on top.
A React admin application that lets a small team run a national service without calling the vendor.
Three problems decided whether this worked, and none of them are solved by writing an app.
An agent who runs out of e-money cannot take deposits. An agent drowning in physical cash cannot pay withdrawals. Either failure teaches customers the service is unreliable, and they stop using it.
We built float requests and threshold alerting into the dealer app, and cash logistics tracking into the console, so the operator sees liquidity problems forming rather than hearing about them afterwards.
Agents work for the margin. Set commissions too low and the network will not grow; too high and the unit economics never close.
Commission is configured per transaction type, split between agent and platform, and adjustable without a release — so the operator can tune the economics against real behaviour instead of guessing before launch.
A wallet people cash out immediately is a queue, not a payment system.
Live biller integrations — Comores Telecom airtime top-up and the national electricity utility — give people a reason to leave a balance. Deposit fees can be set to zero to accelerate cash-to-digital conversion.
Each of these is a per-market adapter sitting around an unchanged core.
Every choice below was made so a central bank's own technical committee can assess it, and so the operator's team could eventually run it without us. Mainstream languages, an open-source database, no proprietary runtime and no licence that ties anyone to Aptiway.
Double-entry ledger, wallets, agent float and commission engine, approvals, limits, audit. Widely used, widely hireable, and no per-core licensing to renegotiate as volumes grow.
One codebase per app across iOS and Android, and a USSD path so a feature phone is never a barrier to inclusion.
Data residency and regulatory supervision stay national — a requirement, not a preference, for a central-bank-supervised service.
The Comoros deployment is not a reference logo. It is the trunk that every subsequent deployment branches from.
Each new market is a configured deployment of the same core. No third-party licensing to renegotiate, and no revenue share on someone else's product.
Agent liquidity, cash logistics and commission economics have been run in a real cash-heavy market — the parts that are learned rather than specified.
Wakati is Huri Money's brand, not ours. The platform never competes with the local operator for the customer relationship.
We deploy alongside a local anchor partner, one market at a time.