Agent banking at scale.
Onboard, manage and reconcile commissions for hierarchical agent networks — from a single super-agent down to the last-mile outlet — with pre-funded liquidity, digital KYC, and BoT-aligned reporting.
Five steps from onboarding to payout.
Digital KYC in under 10 minutes
Agents complete digital KYC — ID capture, liveness check and BoT approval workflow — in under 10 minutes.
Pre-funded liquidity, distributed live
Super-agents allocate pre-funded liquidity to downstream agents in real time. Low-balance alerts trigger automatic top-up requests.
USSD or smartphone — any network
Agents process cash-in and cash-out, bill payments, and remittances from a USSD or smartphone app.
Daily commission payout
Per-transaction commissions are calculated and credited to agent wallets at end of business each day.
Network-wide reporting
Network operators view agent performance, liquidity positions, and BoT NPS reports from a central dashboard.
Everything a network operator needs.
Tiered hierarchy
Configure super-agents, agents and sub-agents with distinct limits and commission tiers.
Real-time liquidity
Live wallet balances, automatic top-up triggers and inter-agent transfers keep the network liquid.
Digital KYC
Biometric ID verification and liveness checks meet BoT onboarding standards without paper forms.
Commission engine
Flexible rules per product, tier and volume band. Payouts automated and auditable.
USSD & app
Lightweight USSD for feature phones; full-featured Android app for smartphone agents.
Compliance toolkit
AML screening, suspicious-activity flagging, and quarterly BoT reports reduce regulatory overhead.
Every transaction type your agents will handle.
Graduated limits, graduated commissions.
- Requirements
Basic KYC, training - Benefits
Standard commission schedule
- Requirements
Six months history, enhanced KYC - Benefits
Higher commission, priority support
- Requirements
Twelve months, full KYC, certification - Benefits
Highest commission, dedicated manager
Operators with distribution — not infrastructure.
MNOs & telcos
Expand financial access across rural regions using your existing agent distribution network.
Microfinance institutions
Disburse loans and collect repayments through a compliant agent network without branch expansion.
FMCG distributors
Convert your distributor network into cash-in/cash-out points — unlock new revenue from agent fees.
Retail chains
Add payment services to existing outlets using the Ōgi Agent app and POS integration.