Digital banking for rural banks, cooperatives and microfinance institutions. Your brand, your members, your credit decisions. We run everything behind it.
Small institutions are losing members to wallets and big-bank apps one salary at a time. Not on price, and not on service — on convenience. This closes that gap without a technology budget.
Salaries land in a wallet and savings follow. When the balance and the loan payment live in your app, the relationship stays yours.
Balance enquiries, releases, collections and transfers stop consuming counter time. Your staff serve the members who actually need them.
Members transact at QR Ph merchants nationwide and at partner cash points as the network grows near you. Presence without capital expenditure.
Release is where lending institutions lose the most time, cost and goodwill. Checks printed and encashed. Borrowers travelling in twice. Cash sitting in a drawer or moving in a vehicle. All of it goes away.
Your loan officer approves where they always have. Nothing changes in your credit process, your committee or your documentation.
The release posts to the borrower's account instantly. They're notified wherever they are — no second trip, no check to encash, no cash to count.
Buy inputs by QR Ph at the agri supplier. Pay by transfer. Withdraw at a partner cash point — including in towns where you have no branch.
Works the same way for savings withdrawals, dividend and patronage payouts, center disbursements and payroll — any money you need to get to a member.
Your members download OpenFinancePH once. From the moment it opens, it carries your name, your mark, your colours and the words your sector uses. They will not see ours.
One app means one download to explain to a member, one install base building trust in the stores, and one place a member can hold accounts at more than one institution — which is the point of open finance and impossible across separate apps.
Members receive loan proceeds, check balances, repay, transfer, pay bills and scan QR Ph. Virtual cards follow for founding institutions.
A member may also save at a rural bank, receive salary through a wallet and repay a microfinance loan. With their permission, those can appear in one view. That view belongs to the member — not to you, and not to us.
Your institution does not get sight of another institution's records, and no one gets sight of yours. Every grant and withdrawal of permission is timestamped and inspectable.
Mutual, in writing, and surviving termination. You are the data controller. We are the processor.
Every institution is an ordinary tenant with no privileged access — including any bank Traxion owns.
Every data access is a consent-scoped event you can inspect at any time.
Sixty days' notice, no penalty, full export, and recorded deletion of our copies.
Most institutions your size have no website, or one nobody has touched in years. You get a page you can link from anywhere — from your Facebook page, a printed receipt, an SMS blast. It gets your existing members into the app, and it opens new accounts.
Set it up below. It is free, it takes about ten minutes, and you can show your board a working page carrying your own name this week.
Rates and terms are yours to set and yours to change.
No card, no contract term, no sales call. Nothing is charged until you switch on money movement.
This is the real page, not a picture of one. Change anything on the left and it updates here — then click through it the way a member would.
Small institutions are held to rules written with large ones in mind. You need fraud monitoring, transaction surveillance, credit data submission and examiner-ready records — with the staff and budget of a single branch. Running your channel through one platform is what makes that affordable.
Real-time transaction monitoring, mule and pass-through detection, device controls, and a verification workflow for disputed transfers. The obligation applies to you whatever your size. The system doesn't have to be yours alone.
Sanctions and watchlist screening at onboarding and on an ongoing basis, due diligence records, risk profiling, and covered and suspicious transaction reports prepared for your officer. You remain the reporting entity — we prepare and evidence, your officer reviews and files.
Basic credit data formatted and submitted on schedule, once your records are connected and your CIC registration is in place. Most small institutions are already required to submit and quietly aren't. Available as an add-on.
Every release, collection, transfer and fee timestamped, traceable and exportable. Daily reconciliation in a format your bookkeeper already reads, plus the schedules your external auditor asks for at year-end.
These are tools to help you meet obligations that remain yours. Nothing here transfers a legal duty from your institution to Traxion Pay, and nothing here replaces your compliance officer or your internal audit.
You shouldn't have to buy this before you know it works. Build your page, connect your records and enrol your members at no cost, for as long as you like.
Your members pay nothing to use the app, check a balance or receive a loan release, and nothing to move money inside the network. Transfers out to other banks and wallets carry the published rail fee — you choose whether to pass it on or absorb it.
The first ten institutions hold founding pricing for three years and help set the roadmap and the data rules. Leave any time on sixty days' notice, with your members and records.
No payment details required. Registration documents are uploaded later and reviewed while you build.
Next: brand your page, connect your records and switch on your products. Your address is reserved from this moment.