Revenue Model

Saleem earns from the ecosystem, not the user.

In the corridor from the UAE into Syria, the model earns five ways: conversion at cash-out, merchant acquiring, setup fees, an NGO disbursement rail, and corridor FX. No Saleem fee to sender or recipient; FX conversion applies where currencies convert.

Built and demo-ready, pre-launch.

Talk to the team

$0 user fee the flywheel's engine Free users create density adoption without a price barrier Density brings merchants and agents, who join for the flow Partners pay for access to the segment, not the user Access funds more surfaces USSD to KaiOS to app to POS More surfaces, more users the reach compounds The wheel turns again each pass deepens the moat

No Saleem fee to sender or recipient; FX conversion applies where currencies convert.

  • Conversion at cash-out
  • Merchant acquiring
  • Setup fees
  • NGO disbursement rail
  • Corridor FX

The customer's total cost at full cash-out is designed at 2.5% to 3.0% of value converted, all-in, with the sarraf's retail commission inside that total. Design target; pilot-verified rates to follow. Setup fees are one-time per registered SIM, tiered at $1.00 standard, $0.50 impact, and $0 humanitarian. Further streams, including government salary distribution, an operator-billed layer, bank deployments, and a white-label line, are defined with their payer named and deliberately carry zero until each is priced or signed.

Saleem takes no yield on customer balances. The ring-fenced Humanitarian SIM Allocation Fund receives a fixed share of commercial account setup fees plus 100% of any incidental yield, and funds provisioning and starting credit for humanitarian-priority SIMs. Shariah-aligned by design, with formal certification planned.

The full model is available in diligence under NDA.

Questions partners ask

What does the recipient actually pay? What happens if a corridor partner licence does not land? Why does Saleem hold custody rather than the user? What is live today, and what is designed but not built?

All ten questions