Live · Nokia NaC · Gemini 3.1 · Polygon Amoy · Yellow Card

The Network
Is The Bank

Ubuntu Pay turns every African SIM card into a bank account. No app. No ID. No seed phrase. Dial *384# and send money across Africa in 11 seconds for less than 1%.

📱 Watch Nokia USSD Demo ⚙ Dev Console Pitch Deck Whitepaper
11s
Settlement
<1%
Total Fees
600M
Addressable Users
6
Nokia CAMARA APIs
$6M
B2B Revenue Y2
How it works

Three steps.
Zero friction.

Joseph is a house painter in Nairobi. He has never had a bank account. Here is how he sends money to John in Lagos.

Step 01
🏪
Joseph visits the Agent
Hands over KES 5,000 cash to the Ubuntu Pay agent. Dials *384# on his basic Nokia. No smartphone. No internet required.
Nokia CAMARA silently reads MSISDN, IMSI and IMEI from the network. Argon2id(MSISDN + IMSI + IMEI + PIN) → Polygon wallet. No seed phrase. No app. No ID document.
Step 02
📡
6 Nokia CAMARA APIs fire
Device Swap · SIM Swap · Number Verify · KYC Match · Location Proximity · Roaming Status — all in parallel. Gemini 3.1 scores the result 0–100 in under 3 seconds.
device_changed: false · roaming: false · country: KE · sim_swapped: false · kyc_score: 0.85 · near_agent: true → Score: 94/100 → ALLOW
Step 03
📲
John receives NGN in Lagos
KES → USDC via Yellow Card. USDC settles on Polygon Amoy via TrustGate.sol. Yellow Card converts USDC → NGN to John's MTN MoMo. John dials *384*2# to confirm his balance.
KES 5,000 → 38.37 USDC → ₦59,780 NGN · Fee: KES 15 (0.3%) · Western Union equivalent: KES 840 (16.8%) · Joseph saved: KES 825
Nokia Network as Code

6 CAMARA APIs.
Zero spoofing.

We use Nokia's cellular network as a cryptographic trust oracle. 6 APIs fire in parallel for every transaction. The network sees what no attacker can fake.

📱 Device Swap Nokia NaC
Detects if the SIM was moved to a different physical device within 72 hours. 94% of wallet drains follow a device swap.
verify_device_swap(max_age=72)
→ device_changed: bool
🔍 SIM Swap Nokia NaC
Checks if the physical SIM card was replaced recently. The primary signal for account takeover attacks in African markets.
verify_sim_swap(max_age=72)
→ sim_swapped: bool
📡 Roaming Status Nokia NaC
Checks if the device is physically in an unexpected country. Joseph in Nairobi — device in Budapest → instant BLOCK. Unspoofable from the network layer.
get_roaming()
→ roaming: bool, country_code: str
🪪 KYC Match Nokia NaC
Matches identity against operator SIM registration data in real time. Score below 0.5 means the SIM holder has changed — fraud signal.
check_kyc(name, national_id)
→ score: float 0.0–1.0
📍 Location Proximity Nokia NaC
Verifies the device is physically near the agent location. Confirms real-world cash-in. Cannot be faked by remote attackers.
verify_location_proximity(lat, lng)
→ near_agent: bool, delta_m: int
✅ Number Verify Nokia NaC
Silently confirms the device owns this number via cellular data. No OTP sent — cannot be intercepted by SIM swap attackers.
verify_number(access_token="")
→ number_verified: bool
Why Ubuntu Pay

We don't compete
with banks.

We build the infrastructure for the 600 million Africans banks decided were not worth serving.

Feature Western Union M-Pesa Global Ubuntu Pay
Onboarding time3–5 days1–2 days60 seconds
Settlement time3–5 daysMinutes11 seconds
Total fees7–16%~7%<1%
Requires smartphoneYesYesNo — USSD *384#
Security modelPIN / PasswordPIN + SMS OTP6 Nokia CAMARA APIs
Fraud detectionReactiveBasic rulesNokia + Gemini 3.1 AI
Lost device recoveryVisit branchCall centreAgent + Nokia verify
Technology

The stack.

📡
Nokia NaC · 6 APIs
Device Swap · SIM Swap · Roaming · KYC · Location · Number Verify. The trust layer.
✦
Gemini 3.1 Flash-Lite
AI fraud scoring. Reads 6 Nokia signals. Returns 0–100 score + plain English reasoning.
⛓
Polygon Amoy
TrustGate.sol deployed. USDC settlement. 15-second escrow with reversal window.
💛
Yellow Card
KES → USDC on-ramp. USDC → NGN/GHS/ZAR off-ramp. 15 African countries.
🔐
Argon2id Wallets
MSISDN + IMSI + IMEI + PIN → private key. No seed phrase. Nokia is the key store.
📱
USSD *384#
Works on any Nokia or feature phone. No internet. No app. Safaricom and MTN ready.
🐍
FastAPI + WebSocket
Python. Uvicorn. Loguru. Real-time log streaming. SQLite audit trail.
🌍
Caddy + Ubuntu Pay
Live at ubuntupay.africa. Auto HTTPS. Caddy reverse proxy to Trust Oracle.
Testnet · Polygon Amoy
Fund the agent wallet with test USDC
TrustGate.sol is live on Polygon Amoy. The agent wallet needs test USDC to run the demo end-to-end. Use Circle's faucet — free, instant.
Get test USDC ↗
Roadmap to 600M users

Path to $1 billion Annual
Recurring Revenue.

Annual Recurring Revenue — the annualised value of subscription and usage income. Each phase unlocks a new stream on the same Nokia + Polygon infrastructure.

Phase 1 · Now
The Corridor
Kenya → Nigeria → Ghana → South Africa. Perfect the Trust Oracle. Launch agent network. 50k users.
$2M
Annual Recurring Revenue
Phase 2 · Year 2
The Oracle API
Open Nokia + Gemini Trust Score to banks, lenders, insurers. Trust-as-a-Service. Standard Bank, Old Mutual, Equity Bank.
$28M
Annual Recurring Revenue
Phase 3 · Year 3
The Super App
Ubuntu Save (Aave yield 4%). Ubuntu Insurance. Micro-credit referral. ERC-4337 account abstraction. ZK-proof KYC.
$180M
Annual Recurring Revenue
Phase 4 · Year 5
Pan-Africa
20M users. 15 countries. The financial OS for the people banks forgot.
$1B+
Annual Recurring Revenue
Next Steps

What comes
after USSD.

USSD is the foundation — it works on every phone in Africa today. These are the channels we layer on top as we scale.

Channel 2
💬 WhatsApp Banking
Same Nokia trust oracle, same Polygon settlement — delivered through a WhatsApp conversation. 500M WhatsApp users in Africa already active.
✓
Nokia APIs work identically — MSISDN is the key
✓
WhatsApp Business API + Twilio or Africa's Talking
✓
Richer UI — images, buttons, balance cards
→
No new backend needed — same Oracle endpoints
Channel 3
🤖 AI Voice Agent
Speak to Ubuntu Pay in Swahili, Yoruba, Zulu, Amharic. Voice call triggers the same Nokia verification and Polygon settlement.
✓
Gemini Voice API for multilingual understanding
✓
Caller ID = MSISDN = wallet — same derivation
✓
Reaches users with no data, no literacy required
→
Prototype with Twilio + Gemini Live API
Infrastructure
⚡ ERC-4337 Wallets
Account abstraction removes all blockchain complexity. Gasless transactions, social recovery, session keys. Nokia becomes the guardian.
✓
Nokia SIM swap auto-triggers Restricted Mode
✓
Polygon ID for ZK-proof KYC — no ID upload
✓
Aave integration for Ubuntu Save yield product
→
Replace current Argon2id with ERC-4337 smart wallets
Downloads

Decks & docs.

Everything you need to understand, present, and evaluate Ubuntu Pay.

📊
Pitch Deck
Problem · solution · Nokia APIs · revenue · roadmap. 8 slides for the 5-minute slot.
HTML · Interactive
→
⚙️
Technical Architecture
System diagram · 6 Nokia APIs · Argon2id wallet derivation · TrustGate.sol · B2B API reference card.
PowerPoint · 8 slides
↓
📱
User Story & Business Flow
Joseph → Nokia oracle → Polygon → John. The complete story in 10 slides. No jargon.
PowerPoint · 10 slides
↓
📄
Technical Whitepaper
Full architecture · Argon2id proof · Nokia SDK integration · smart contract spec · security model.
HTML · Full depth
→
⚡
Developer Console
Live Swagger-style API explorer. Fire Nokia APIs, query Polygon wallets, test B2B endpoints in real time.
Interactive · Live Oracle
→
📡
Nokia USSD Demo
Nokia 3310 on screen. Press keys. Watch 6 Nokia APIs fire. John receives NGN in Lagos. Live end-to-end.
Interactive · Live Oracle
→

We are not moving money.
We are moving trust.

Ubuntu Pay is the financial operating system for 600 million Africans that legacy banks decided were not worth serving. The infrastructure is live. The Nokia APIs are firing. The network is ready.

📱 Nokia USSD Demo ⚙ Dev Console Pitch Deck