The Heart of the Ecosystem
Everything begins with the local merchant. Our initiative is built to solve their daily challenges and unlock their true potential.
Ethiopian MSME Merchant
e.g., "Fatuma", a kiosk owner
Challenge: Cash dependency & theft risk.
Challenge: Fragmented digital payments.
Challenge: No access to formal credit.
Step 1: Digitizing the Business
Before payments or loans, we create a digital foundation. The Soukify Platform and Smart Calculator turn everyday sales into reliable, valuable data.
Customer Sale
A customer purchases goods from the merchant's shop.
Soukify Smart Calculator
Sale is recorded offline/online, inventory is updated instantly.
Clean Verifiable Data
Each transaction builds a trusted digital business history.
Layer 1: SOCME
The Payment & Liquidity Layer
SOCME ends payment chaos. It provides one unified wallet to accept payments from any source, while empowering the merchant to earn new revenue by offering cash-in/cash-out (CICO) services to their community.
All payment channels are unified into a single, interoperable merchant wallet.
Layer 2: SMSP
The Growth & Financing Layer
SMSP uses the clean data from the merchant's sales to build a financial identity from scratch. This unlocks access to ethical, data-driven credit to grow their business and digitize their supply chain.
Reliable sales data unlocks access to formal, Sharia-compliant financing.
The Core: A Radically Open API
This is not a closed system. The Soukify platform is built on an Open API, inviting all financial institutions to connect, compete, and innovate, creating a vibrant, competitive market that benefits merchants.
Other Banks
Can offer competing inventory loans and business accounts.
MFIs
Can design specialized micro-credit products for our network.
Soukify Open API
The Central Gateway
SOCME
SMSP
Fintechs
Can build value-added services like loyalty programs.
Insurers
Can offer micro-insurance products based on real business data.