At SmartPesa, we are driven by Financial Inclusion. Our SmartPay and Agency Banking solution was developed for EM countries by the co-founders who were born in and grew up in Africa. Still considered a FinTech startup, we are in our 5th year of operations and complete tens of thousands of transactions daily across over 8,000 merchants in 5 countries. We have completed formal certifications with international organizations such as EMV, Visa, Amex and Mastercard; National Financial switches such as Bancnet, NIBSS and MEPS; PCI compliances; and successfully undergone numerous API integrations with 3rd parties. We support all local and international cards, Apple Pay, Samsung Pay and Google Pay as well as leading wallet providers like Alipay and WeChat Pay. Our platform has been entirely developed in-house by our experienced FinTech engineers who allow us to respond quickly to changes in a fragmenting payment infrastructure marketplace. Our current capabilities extend beyond card payments at our POS, both horizontally (new payment types such as fiat wallets and cryptocurrency) and vertically (new transaction types including cash withdrawals, bill payments, airtime loading, remittances and transfers). We entered the blockchain space in 2017 and have added cryptocurrency payment acceptance through our SmartPesa CryptoPay product and the buying and selling of cryptocurrencies through SmartPesa CryptoATM. Our focus is to reduce the complexity of an increasingly fragmenting payments system into a seamless, consistent merchant experience. Merchants want a simple tool for accepting electronic payments across multiple different modes – cards, mobile, QR codes and crypto. We provide a unified Mobile App and POS terminal for easy payment acceptance, consolidated transaction history, and automatic reconciliation.