Platform Architecture

One Wallet Ladder. Seven Compliance Providers. Three Wallet-Infrastructure Partners.

Bulk payouts, second-person approval, merchant acceptance, and a full audit trail: three consumer tiers, two operator surfaces, and one interoperability layer, all on one wallet core.

Talk to the team

Bulk disbursement

Bulk disbursement of stablecoins to many recipients

Saleem desktop console: bulk disbursement file validation
Every payment file validated, row by row

Payroll

Domestic workers and construction workers paid via Saleem wallet

Saleem Corporate console: disbursements, invoices, and treasury dashboard
Corporate · disbursements, invoices, treasury

Merchant acceptance

Any KaiOS or Android phone becomes the POS, no dedicated hardware

Saleem Merchant POS: any phone becomes a terminal
Merchant POS · on any phone

Merchants: your customers hold feature phones, and so can your till. Any KaiOS or Android phone becomes the POS, no dedicated hardware. Request a POS demo.

Treasury export

Wallet and disbursement activity from the desktop console into their own finance systems

Saleem desktop console: Treasury Export format list with camt.053, camt.054, MT940, BAI2, and CSV
Treasury statements and Disbursement reconciliation

Reconciliation

Disbursement reconciliation, per recipient

Saleem desktop console: disbursement batch history with completed and failed counts
Every batch, every failure, accounted for

Audit trail

Every bulk disbursement row runs through six sequential compliance stages

Saleem desktop console: disbursement reports with export and batch history
Every payment, approval and spend, auditable line by line

Screening

On-chain sanctions screening and risk scoring

Feature-phone wallets

A lightweight feature-phone wallet for KaiOS devices

Saleem KaiOS feature-phone wallet home screen with balance card
KaiOS · feature phone
THE CONSUMER LADDER Tier 0 · USSD / STK / SMS Any handset with a SIM · no app, no data Receive, cash out, check balance Tier 1 · KaiOS Smart feature phone from ~$25 Adds bill pay and merchant QR Tier 2 · Android / iOS Full wallet, savings, self-service The number, the balance, and the compliance record carry across every step unchanged. OPERATOR SURFACES Merchant Acquiring POS phone app + payment terminal Desktop Operator Console Bulk payouts, approvals, treasury, compliance External Wallet Connectivity Interoperability with self-managed wallets ONE WALLET CORE · MSISDN as the account · one balance, one history, one audit trail SIX SETTLEMENT NETWORKS · Chainlink CCIP cross-chain bridging

One wallet that grows with the customer, from a $12 handset to a smartphone.

All surfaces

Saleem KaiOS feature-phone wallet home screen
Consumer ladder · KaiOS Vue.js app, 6-file build, runs on $25 smart feature phones.
Saleem Android / iOS wallet home screen
Consumer ladder · Android / iOS React Native, 18 screens, bank on-ramp.
Saleem desktop operator console home screen
Operator surface · Desktop Console Tauri v2, ~10MB installer, 21 role-gated operator pages.

Indicative retail prices, August 2026; varies by market.

Saleem Merchant console: sales, terminals, and settlement dashboard
Merchant · sales, terminals, settlement
Saleem Sarraf console: real-time commissions dashboard
Sarraf · real-time commissions
Saleem Corporate console: disbursements, invoices, and treasury dashboard
Corporate · disbursements, invoices, treasury
Saleem Government console: bulk disbursement upload flow
Government · bulk disbursement

Questions partners ask

What is live today, and what is designed but not built? What does a telecom operator have to build? How does a bank connect its treasury? What happens when the network is down?

All ten questions