Bill payments
Billers, utilities, taxes and subscriptions, paid from the wallet or at the agent.
Sovereign payment infrastructure · Live nationwide
Financial solutions
delivered in
record time.
Konnect Networks equips banks, PSPs and licensed payment institutions with a complete platform: wallet, agents, international remittances, reconciliation and sovereign AI, built compliance-first and delivered with the user experience on top. Not a roadmap promise: real flows, live in nationwide production.
- REAL-TIME LEDGER
- SAME-DAY RECONCILIATION
- NATIVE KYC · KYB · AML
- SOVEREIGN AI
- WESTERN UNION · MONEYGRAM · TAPTAPSEND
- CENTRAL BANK-LICENSED PAYMENT FACILITATOR
- PCI-DSS
- BACKED BY VISA
- IN PRODUCTION · TUNISIE TELECOM
- FROM LEDGER TO PIXEL
Backed by
- Visa
Live in production with
- Tunisie TelecomKashy wallet, nationwide launch
- ViamobileFirst BCT-licensed payment institution
The lap time
From contract to nationwide launch, in months
This speed is not a bet: it's the consequence of a platform that already exists, runs in production and deploys under your brand, with compliance leading the race.
Your deployment: workstreams in parallel
M1
M2
M3
Compliance & licence
Wallet core & ledger
Corridors & billers
Apps & brand
Agent network
Pilot & ramp-up
No phases waiting in line: while regulatory scoping wraps up, corridors are being connected and your apps are already taking on your brand. Like a pit stop: the whole crew works at once.
M1, M2, M3: the main phases of the deployment, month by month, from scoping to launch. The exact pace depends on your scope; the observed total comes to a few months.
Nationwide launch
A few monthsThe lap time recorded with Kashy × Tunisie Telecom
The platform already exists
You're not funding a build: you're activating an engine that processes real flows in nationwide production.
Connectors already built
Western Union, MoneyGram, billers, banks: the longest integrations of any payment project are already done.
Compliance built in
Tiered KYC, regulatory limits and regulator reporting live inside the engine. Speed takes no regulatory shortcuts.
Market benchmark: global platforms deployed through integrators typically take 12 to 24 months (public information). Every project is specific: let's time yours.
The platform
Everything a licensed payment institution runs on. One platform.
Every building block below is live in production with our clients. You choose what to activate, we plug it in under your brand. You launch a service, not a multi-year programme.
Microfinance
Loan disbursement and repayment, schedules and automatic MFI reconciliation.
API-first. Every capability is exposed as a documented API for your own teams: docs.konnect.network
Use cases
What you can launch
The same modules, read from the business side: eight services the platform lets you take to market, alone or combined, under your brand.
Consumer wallet
A national wallet under your brand: KYC account opening, instant transfers, top-ups. The Kashy model.
Diaspora remittances
Western Union, MoneyGram or TapTapSend payouts straight into the wallet or as cash at the agent.
Agent banking
A point-of-sale network for cash-in / cash-out, with liquidity and commissions steered in real time.
Government payouts (G2P)
Benefits, grants and subsidies paid onto wallets, traceable end to end for the administration.
Merchant acceptance
In-store QR, payment links and e-commerce: your merchants collect payments online and offline.
Digital microfinance
Loan disbursement onto wallets and repayments at the agent, automatically reconciled with the MFI.
Payroll & bulk payouts
Salaries, commissions and B2C payments distributed in one batch, from payroll file to beneficiary wallet.
Bills & utilities
Water, electricity, telecom, taxes: paid from the app or at the point of sale, reconciled with each biller.
Product & experience
From ledger to pixel.
Infrastructure only succeeds if the service gets adopted. And adoption is design. Konnect builds both layers of the same stack: the engine that processes the flows, and the interfaces that make a customer, an agent or an operator actually use them. That product experience is what carried Kashy to its nationwide launch.
Consumer app
Smooth KYC onboarding, money sent in three taps, journeys designed for someone's first wallet, not for a sales demo.
Agent app
Built for the point of sale: fast cash-in and cash-out, liquidity and commissions visible on one screen, usable at the counter without heavy training.
Operator back-offices
Flow supervision, exception handling and compliance tooling for your teams, AI-copiloted rather than Excel exports.
White-label design system
Your brand, your colours and your tone, applied consistently across app, agent and web. Iterations in weeks, driven by your field feedback.
Sovereign AI
AI that works inside your jurisdiction
Global suites ship your data to their clouds. Konnect embeds AI directly in the payment engine, hosted with you, trained on your flows, cutting your costs and speeding up your operations without ever compromising your sovereignty.
Local or on-premise hosting, governance and audit logs under your control.
Cost optimisation
Smart flow routing, agent liquidity forecasting and automatic infrastructure sizing. The AI hunts down every dinar of operating cost.
Process efficiency
Assisted reconciliation, automatic discrepancy triage, copiloted back-office. Your teams handle exceptions, not repetitive tasks.
Real-time anti-fraud
Transaction scoring and anomaly detection as flows happen, trained on real production data, not demo datasets.
Data sovereignty
Models operated in your jurisdiction, under your governance. Your payment data never leaves your country or your control.
Security & compliance
Secure by design. Compliant by default.
A payment system is judged first by what it never lets through. Konnect is designed for central bank requirements and proven in production to the standards of a nationwide service: that rigour is what makes the speed possible, never the other way around.
PCI-DSS environment
Card flows run through a PCI-DSS compliant environment: sensitive data is segregated and never exposed to your applications.
Encryption everywhere
Data encrypted in transit and at rest, centrally managed secrets, access segmented by role and by scope.
Business continuity
Redundant architecture, regular backups and a business continuity and disaster recovery plan, built for a nationwide payment service, where downtime is not an option.
Native KYC / AML
Tiered identification, sanctions screening and AML detection embedded in the engine. Compliance runs with the transaction, not after it.
Regulator reporting
The reports regulators expect are generated from production data: limits, filings and statistics come out of the system, not manual spreadsheets.
Full auditability
Every operation and every admin action leaves a timestamped audit trail. Data protection aligned with local requirements (INPDP) and GDPR standards.
Proof, not promises
Real flows processed. Live in nationwide production.
Kashy, Tunisie Telecom's consumer wallet, runs on the Konnect engine with Viamobile: instant transfers, cash-in and cash-out, top-ups, bill payments and international remittances. That operating experience is baked into every line of the platform we deploy for you.
6
International corridors in production: Western Union, MoneyGram, TapTapSend, MyEasy Transfer, Ria, Zepz
300+
Tunisie Telecom points of sale at nationwide launch
2025
Konnect, first payment facilitator (PayFac) on the Visa & Mastercard networks
2026
Deployment of a payment-institution solution with Viamobile and Tunisie Telecom
1st
BCT-licensed payment institution: Viamobile, our client
Building with us
Trust is proven in production
« We were looking for a partner able to hold a nationwide launch schedule without compromising on regulatory requirements. That is exactly what happened. »
« The platform took us from licence to live operations, with a team that understands central bank circulars as well as our own compliance staff. »
« International connectors already certified, reconciliation that comes out right, and changes shipped in weeks. You can feel the engineering team behind it. »
Quotes pending validation with our partners.
Rails already connected, from international remittances to e-commerce plugins.
Connectors in production
- Western Union
- MoneyGram
- TapTapSend
- MyEasy Transfer
- Visa
- Mastercard
- Tunisie Telecom
- STEG
- SONEDE
- Ooredoo
- Orange
- Topnet
- Advans
- Taysir
- Bank transfers
- Merchant QR
- PaySmart
- WooCommerce
- PrestaShop
Benchmarks for your shortlist
What sets us apart from global suites
Global suites are solid platforms, designed for worldwide programmes. Konnect makes a different choice: a platform built to launch your service, on your market, now, designed end to end by a team that itself runs a licensed payment facilitator.
Konnect Networks
P1Time to production
A few months. Kashy went from project to nationwide launch with Tunisie Telecom.
Operating experience
Real flows processed in production: corridors, agents, bills, microfinance.
Product & UX
Consumer apps, agent apps and back-offices designed by the team that builds the engine, from ledger to pixel.
AI
Sovereign AI embedded in the engine: anti-fraud, cost optimisation, assisted reconciliation, hosted in your jurisdiction.
Local compliance
Central bank circulars, regulatory limits and regulator reporting built in.
Total cost
Shared platform, connectors already built: you pay for the launch, not the R&D.
Agility
Product team in your time zone, in French, Arabic and English. Iterations in weeks.
Global suites
The packGlobal platforms deployed through integrators
Time to production
12-to-24-month cycles, third-party integrators and roadmap queues.
Operating experience
Global references, but a deployment still to be proven on your market.
Product & UX
Generic interfaces, customisation handed to integrators and billed as change requests.
AI
Optional analytics modules, often operated outside your country.
Local compliance
Generic frameworks to configure, then certify locally.
Total cost
Licences, integrators and connectors billed project by project.
Agility
Offshore support, ticket-based escalations, changes at the pace of the global roadmap.
Comparison based on public information and deployment cycles observed in the market. Every project is specific: let's talk about yours.
The company
Operators at your side, not a vendor that ships
Born in Tunis and present in Paris and New York, Konnect Networks is backed by Visa and international fintech and telecom investors. The team that designed the platform also runs it for its own business, as a licensed payment facilitator. That operating experience is what we put at your service: you operate, we support you, from scoping to launch.
- Tunis
- Paris
- New York
« Choosing a payment platform means choosing a long-term partner. We build to last, in the region, with you. »
Founder & CEO, Konnect NetworksScoping with your teams
Your licence, your market, your constraints: we start from your regulatory and commercial reality, not from a template.
Dedicated deployment
A named project team, in your time zone, in French, Arabic or English. Decisions made in meetings, not tickets.
Training & handover
Your operators, compliance and technical teams are trained and equipped: the platform is yours to run, not a black box.
Operations support
You operate, backed by a team that knows operations from the inside: support, service commitments and changes shipped in weeks. Launch is a starting line, not the end of a project.
Frequently asked questions
What committees ask us
How long does it take to launch?
A few months depending on scope, from scoping to nationwide launch. That speed comes from the fact that the platform already exists and runs in production: you configure and connect, you don't build. It's the lap time recorded with Kashy × Tunisie Telecom.
Do we need a licence to operate?
You operate under your own authorisation: payment institution, bank, or operator partnered with a licensed institution. Konnect provides the technology and supports the regulatory workstream. We already work with Viamobile, the first BCT-licensed payment institution.
Where is the data hosted?
In your jurisdiction, hosted locally or on-premise, including the AI models trained on your flows. Governance, access and audit logs stay under your control. Your payment data never leaves your country or your perimeter.
Who owns the brand and the customers?
You do. The model is white label: your apps carry your brand, the customers are yours, the licence is yours. Konnect provides the engine, the back-offices and the support.
How does regulator reporting work?
The expected reports are generated from production data: limits, filings and statistics come out of the system. The platform is designed for the Central Bank of Tunisia's circulars and adapts to other regulators' requirements.
Which connectors are already available?
Western Union, MoneyGram, TapTapSend and MyEasy Transfer for international remittances; billers and utilities; banks; microfinance institutions; local and international cards; WooCommerce and PrestaShop e-commerce plugins. They are built, certified and operated in production.
How is the cost structured?
You don't fund a platform's R&D: it is shared and its connectors are already built. You pay for the launch and the operation of your service. After an initial scoping, we come back with a costed launch plan.
Can we audit the platform before committing?
Yes. Demonstrations on real flows, technical and security due diligence, and direct access to the engineering team that builds the platform and runs it for its own payment facilitator business. Skills transfer is part of the model: the platform is yours to run, not a black box.
Rolling start
Take pole position on your market
Tell us about your market, your licence and your constraints. We'll come back with a costed launch plan, and a lap time.
- hello@konnect.network
- Tunis · Paris · New York