Wallet. SoftPOS NFC. Payment Orchestration. AI Intelligence. Central Bank Compliance. One unified platform for consumers, merchants, enterprises, and regulators.
Six interconnected failures costing trillions every year
Multi-currency wallet with every payment method
SoftPOS + QR + Links. No hardware needed.
Enterprise APIs. White-label. Regulator tools.
Every layer engineered for Central Bank licensing and institutional scale
KYC, KYB, RBAC, Device Binding, Dual-mode Identity
SoftPOS NFC, Dynamic QR, Payment Links, Invoicing, Subscriptions
Double-entry accounting, multi-currency, float segregation, reconciliation
Multi-rail routing, fee engine, settlement rules, failover logic
KYC/AML automation, SAR filing, audit logs, tax summaries
Fraud scoring, trust score, merchant coaching, credit readiness
Real-time monitoring, policy enforcement, immutable audit access
Full infrastructure licensing for banks, telcos, and fintechs
Hover over a layer to see details
Multi-currency wallet, QR, NFC, mobile money, crypto, AI insights
SoftPOS, QR, payment links, instant settlement, AI business coach
White-label wallet APIs, payment orchestration, multi-country compliance
Real-time monitoring, audit access, KYC/AML oversight, policy tools
User scans QR, taps phone, or opens payment link
Identity verified. Risk scored. Limits checked. < 80ms.
Optimal rail selected: MoMo, Card, Bank, or Wallet
Double-entry written. Float updated. Receipt generated.
Merchant wallet credited instantly. Bank payout queued.
Receipt delivered. Audit log written. Reconciliation updated.
User scans QR, taps phone, or opens payment link
Identity verified. Risk scored. < 80ms.
Optimal rail selected
Double-entry written
Instant settlement
Receipt delivered
Machine learning across every layer of the platform
Every transaction scored in < 80ms. Rules engine + ML models. Velocity checks, device intelligence, geo-anomaly detection.
💡 You spent 23% more on dining this month. Consider setting a budget alert.
📈 Your sales peak on Fridays. Run Thursday promotions to increase weekly revenue by 15%.
Built from verified transaction history. Powers access to merchant working capital and consumer credit lines.
Real stories from consumers, merchants, and enterprises building on AuraTap
"ElRoi Pay transformed how we accept payments. No more juggling multiple systems. SoftPOS NFC means we can accept cards anywhere without expensive terminals."
"The AI business coach is incredible. It predicted our Friday sales spike and suggested Thursday promotions. Revenue increased 18% in just one month."
"We deployed ElRoi Pay's white-label infrastructure across three countries in 90 days. The compliance framework saved us 12 months of regulatory work."
"KeyOut Identity changed everything. My customers just scan one QR code and payment routes automatically. No more wrong account numbers or failed transfers."
"As a consumer, having all my payment methods in one wallet is liberating. The AI spending insights helped me save 30% on monthly expenses."
"The regulator dashboard gives us real-time oversight without compromising user privacy. ElRoi Pay's compliance infrastructure is world-class."
Your universal payment fingerprint. One code. Every payment rail. Zero friction.
Every ElRoi Pay user receives a unique KeyOut identity code — a personal payment fingerprint that maps to their preferred payment rail. Whether wallet, mobile money, or bank account, anyone who scans your KeyOut QR is automatically routed to the right destination.
From tap to confirmation — the complete payment pipeline
User taps phone or scans QR. Payment request created with amount, merchant ID, and payment method preference.
JWT token validated. User identity resolved. Device fingerprint checked. Session verified against Redis cache.
Real-time risk evaluation. 40+ rules checked in parallel. Velocity limits, geo-anomaly, device reputation scored. Risk score: 0-100.
Optimal payment rail selected based on: method, country, amount, merchant tier, rail health, fee schedule. Failover rail assigned.
Double-entry transaction written to PostgreSQL. Debit sender wallet. Credit merchant wallet. Balance updated in Redis cache (30s TTL).
Payment instruction sent to selected rail (MTN MoMo, Vodafone, card gateway, bank API). Callback webhook registered.
Merchant settlement queued. T+0 for premium tier, T+1 for standard. Float reconciliation updated. Bank payout scheduled.
Receipt generated with SHA-256 hash. Push notification sent. Audit log written (immutable). Transaction complete.
How we manage float, safeguarding, and settlement across multiple currencies and jurisdictions
AuraTap operates a two-layer accounting system designed for regulatory transparency and real-time reconciliation.
PostgreSQL double-entry ledger. Every transaction creates balanced debit/credit pairs. Real-time balance calculation. Immutable audit trail. This is what users see.
Daily reconciliation against safeguarding bank accounts. Automated matching of application ledger vs bank statements. Discrepancy alerts trigger manual review. Auditor access for verification.
Customer funds are held in segregated safeguarding accounts at licensed partner banks. AuraTap does not commingle customer funds with operating capital.
User deposits and balances
Pending settlement funds
Transaction fees earned
Fees paid to rails
All four account types are separate ledger accounts with independent reconciliation. No cross-contamination of funds.
PSP licensing active and in progress across Phase 1 markets
Navigate central bank requirements
KYC/AML, audit trails, regulator dashboards built-in
White-label platform ready from day one
ElRoi Pay helps banks, fintechs, and payment companies obtain PSP licences across Africa. We provide regulatory guidance, compliance infrastructure, and a white‑label platform ready for immediate deployment.
Navigate central bank requirements
KYC/AML, audit trails, regulator dashboards built-in
White-label platform ready from day one
No hidden fees. No surprises. Pay only for what you use.
Download the ElRoi Pay mobile app and access your wallet, make payments, and manage your finances on the go. Available for iOS and Android.
Join merchants, consumers, and enterprises already building on ElRoi Pay's sovereign payment infrastructure.