Mobile banking for institutions that were never going to build it. Connect your core system, invite your members, and disburse loans, pay out savings and collect repayments without a check, a queue, or a sack of cash.
Free page and online account opening · Money movement priced by your size · Your brand, your members, your licence
Traxion Pay Inc. — BSP-licensed EMI · Operator of a Payment System · InstaPay, PESONet & QR Ph participant
Loan release is where lending institutions lose the most time, cost and goodwill. Checks get printed and encashed. Borrowers travel to the branch twice. Cash sits in a drawer or moves in a vehicle. All of that disappears.
Your loan officer approves in the core or LOS you already use. Nothing changes in your credit process, your committee, or your documentation.
The release posts to the borrower's account in your app instantly. They get a notification wherever they are — no second trip to the branch, no check to encash, no cash to count.
Buy inputs by QR Ph at the agri supplier. Pay a supplier by transfer. Spend on the virtual card. Or withdraw cash at any partner agent or cash machine in the network — including in towns where you have no branch.
Works the same way for savings withdrawals, dividend and patronage refund payouts, center disbursements, and payroll — any money you need to get to a member.
Three apps, one engine — chosen by sector so your members recognise it as theirs. Inside, everything carries your institution's name, mark and colours. Try it below.
Issued to every member for online use, funded from their account with you. Available once card issuing goes live — founding institutions first.
With their consent, members can see accounts held at other institutions on the network — you never see another institution's data.
Most members of a rural bank also belong to a cooperative. Most cooperative members also borrow somewhere else. Today they hold that picture in their head and a folder of passbooks. With their permission, they can hold it in one place — and the place they choose is whichever institution gave them the best app.
These switches control what I see. No institution sees another's balances or transactions — not even the one whose app I'm using. Switch it off and access stops immediately.
A member whose whole financial life is visible in your app stops treating you as one of several places money sits. You become where it's managed — and that is where the next deposit and the next loan application go.
Someone verified at any institution on the network opens with you using their existing identity attestation. No documents, no selfie, no second queue — and your cost per new account falls every time the network grows.
A borrower can choose to present a signed record that they repaid on time elsewhere. Not their balances, not where they bank — just proof of the behaviour you actually care about. Today that record is invisible to you.
A member repays their coop loan from their savings with you in one tap, at no cost, instantly. The transfer never leaves the network — so no rail fee, for them or for you.
Your members can choose to show their account with you inside another institution's app. Balance and loan status only — never their transactions, and never without their explicit, revocable permission.
The same from every other institution on the network, plus reusable identity verification, portable repayment records, free internal transfers, and shared cash-in and cash-out points.
Aggregation is off by default and switched on institution by institution. It becomes useful once several institutions in your area are live — which is why founding institutions get their pricing fixed while the network is still being built.
Most institutions our size have no website, or one that hasn't been touched in years. You get a page at your own address, carrying your name and products, that you can link or embed from anywhere — and it does one job well: it opens accounts.
Name, contact, address, product, valid ID and a liveness check. On any phone, at any hour, without travelling to your branch.
Duplicates flagged against your existing member list, sanctions and watchlist screening run, documents checked for legibility. Incomplete applications never reach your desk.
A structured file — or a queue in your back office — with everything your account opening officer needs. You approve in your own core, on your own terms. We never open an account; only you can.
Once you approve, they're invited straight into your branded space in the app. No second onboarding, no second queue.
The page, your products, and enquiry capture are free and stay free — there's no cost to us in running them. Full ID and liveness capture switches on once your institution is verified, because we can't hold identity documents on behalf of an unverified entity.
Your members already bank on a phone — just not with you. Salaries land in a wallet and savings follow. This is how the relationship stays yours.
Balance enquiries, releases, collections and transfers stop consuming counter time. Your staff serve the members who actually need them.
Your members transact at QR Ph merchants nationwide, and at partner agents and cash machines as the network grows in your area. Presence without capital expenditure.
Every release, collection and transfer traceable and timestamped. Credit data submission to CIC available as an add-on once your core is connected.
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 pattern detection, device and account controls, and a coordinated verification workflow for disputed transfers — including temporary holds and the record of why one was placed. 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, customer due diligence records, risk profiling, and automated flagging of covered and suspicious transactions with reports pre-filled and ready for your compliance 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 core is connected and your CIC registration is in place. Most small institutions are already required to submit and quietly aren't — this closes that without adding headcount.
Available as an add-on. Credit scoring is a separate service performed by accredited entities, not by us.
Every release, collection, transfer and fee timestamped, traceable and exportable. Daily reconciliation files in a format your bookkeeper already reads, plus the transaction records and schedules your external auditor asks for at year-end.
We produce the records that feed your financial statements and regulatory reports — we don't prepare the statements themselves.
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, your internal audit, or the judgement of either.
You don't wait for us to start. Everything except money movement is available the moment you sign up — so you can show your board a working app carrying your own name before you commit to anything.
Verification is usually a matter of days. It means your CDA or SEC registration, board resolution, authorised signatories and beneficial ownership — required of us as a licensed electronic money issuer. Documents are uploaded during sign-up and reviewed while you build.
Institution details, your logo and colours, and the words your institution uses. About ten minutes.
Answer three questions and we'll tell you which route you're on — including the route for institutions with no core system at all.
Savings, share capital, loans, time deposits, transfers, bills, cards, cash in and out. Everything off until you turn it on.
Your proposal is generated from what you configured. Sign online. Book an electronic notary session for documents that need one — no trip to the city.
Once verified, send a link by SMS, Viber or printed on a receipt. Members enrol in about ninety seconds, verified against the mobile number already in your records.
Most vendors promise universal integration and then stall for a year. There are three routes in, and you'll know which one you're on during sign-up — before you commit to anything.
Direct connection. Nothing installed on your side. Balances and transfers in real time.
A sealed connector on your network reads a replica. Your core is never written to directly.
We carry the digital channel and reconcile to your books by file. Spreadsheets and legacy systems welcome. Most cooperatives start here.
Your members may choose to see accounts they hold at other institutions inside your app. That is their right and their view — not yours and not ours.
No institution on this network can see another institution's balances or transactions. Not the one whose app is being used, and not Traxion. Every grant and withdrawal of consent is written to an independent ledger which we cannot alter or delete, and which participating institutions will validate as the network grows — so you don't have to take our word for any of this. You can audit it, and so can your regulator.
Mutual, and surviving termination. You are the data controller; we are the processor.
Every institution — including any bank owned by Traxion — is an ordinary tenant with no privileged access.
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.
You shouldn't have to buy this before you know it works. Connect your core, enrol your members and watch them use it 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.
No sales call, no demo booking, no cost. Configure everything today and show your board this week.
The first ten institutions hold founding pricing for three years and sit in the founding advisory group that sets the roadmap and the data rules.
Sixty days' notice, no penalty, and your members and records go with you.
Next: brand your app, connect your core, and switch on your products — all available right now. Upload your registration documents when you reach step 4 so verification can run while you build.
By continuing you agree to the participation terms. No payment details required. Nothing is charged until you switch on money movement.