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1. Clic Payments
This platform allows peer2peer transfers, merchant payments, Bulk payments and Collections. It puts the user in control of the entire payment cycle
2. Savings and Peer-to-Peer transaction platform
Allows the creation of community or group based micro saving accounts to form a social banking eco-system, directly integrated into existing bank’s core banking platform. Ideal for SACCO’s, savings clubs, farmer cooperatives etc.
It is provided with wallets that allow secure and cost effective p2p multi-currency transactions and payments both locally and cross border with forex facility and access to various international remittance platforms.
3. SME Merchant focused Business Hub (micro ERP)
Our Business Hub allows easy to use access for the MSME space to take part in the emerging digital economy with basic business management including B2B2C online trading, order fulfilment and inventory management, payroll, basic accounting and transport management.
4. Agri business platform with fully integrated farm management
5. Digital Identity Management
6. Third party integrations into the eco system
Users can access the platform through multiple channels - QR cards, feature phones, smart phones, and web portal
We provide a high level of data access to stakeholders. We collect data as the users interact with the different services. This data is available to GF to inform your decision making
We are making effective use of blockchain and AI/ML technologies to reduce cost and increase security and scalability
For a more detailed overview of the Clic.World value proposition see attached document.
Our goal is to start executing the various opportunities in our Social Banking pipeline for Kenya, Uganda, Tanzania and Somalia starting in Q4 of this year. The existing pipeline projects should be delivered over the next 24 months.
• Profesional UI/UX design for all apps, dashboards and the various marketplace websites ($50k)
• Implementation of a privacy side chain and smart contracts (we will engage Slingshot/ZkVM and Satoshi PENDULUM) ($100k) *Key issue for us with the banks going forward.
• Security audits and penn testing ($20k)
• General branding and company website re-development ($10k)
• XLM funding of around 100 000 wallets for various pilots to do PoC for farmer organizations ($50k) Once pilots go into production we have factored the XLM funding into the business case.
*the issue of the cost of XLM funding for wallets - specifically where we are working with financially excluded people - is a major problem for us and is something we hope will be addressed by Stellar soon!
With our integration with ABC Bank Kenya and Equity Bank Tanzania now complete and our integration with ABC Bank Uganda in progress we can finally start executing on the various opportunities in our pipeline over the next 2 years.
Tanzania - with our partner DMA we wil start rollout of the social banking platform under 650 000 farmers to enable them to start saving for their farm inputs (seeds, fertilizer etc), order these on our marketplace and get credit from the bank.
Kenya - we have signed up a large agriculture value chain where we will 1) provide digital bank accounts for around 1.2m unbank farm workers 2) provide farm management system to 500 000 farmers and enroll 35 000 retailers on the marketplace and to act as banking agents using our Stellar POS.
Uganda - We have a pipeline of 200 farm organisations and Saccos that are being digitised under ABC Bank Uganda, and our Clic2Go wallet/market/payment product will be officially launched in September, where we will target mainly SME traders and shops.
Somalia - we are setting up a P2P mobile wallet solution of 4 banks as well as a marketplace to facilitate trade between Uganda, Kenya and Somalia.
While these activities are mostly covered by the existing business case and agreements with our local partners case we need funding for the budget items mentioned above to be able to deliver effectively on these objectives.
Andre van Zyl - Co-Founder Strategy and Product Development
I am a visionary, innovator, thought leader and social entrepreneur who’s past experience includes owner of a start-up that developed the first commercial PC based, fully integrated, accounting system for the South African market in 1985, IT Director for President Insurance, a South Africa insurance company, and 10 years with the Burmah Castrol Group and later BP as Global Business Solutions Architect and International Program Manager for a number of large scale business transformation projects across 32 countries.
After leaving BP I started Oakridge Business Solutions, a business consulting and Knowledge Management company in the UK, before returning to Africa to open offices in Rwanda, DRC (where I developed a conflict mineral traceability solution) and Uganda, where I co-founded Clic.World Social Banking 6 years ago, responsible for the strategy, technical architecture and design of this Stellar blockchain based social financial eco-system.
I am very passionate about economic development in Africa in general, and believe strongly in the potential of the the new emerging digital economy to unlock the potential of Africa and its people. Environmental issues, nature conservation and healthy, sustainable food production are my other passions and in my spare time I enjoy photography and exploring the African bush with my family.
The USD valuation of the budget request in XLM will be calculated using the CF Stellar Lumens-Dollar Settlement Price on December 5, 2022 as administered, maintained, and reported by the cryptocurrency index provider CF Benchmarks Ltd. (using the ticker “XLMUSD_RR”) (available at https://www.cfbenchmarks.com/indices/XLMUSD_RR). Learn more in the SCF Handbook.
*The USD valuation of the award in XLM is calculated using the CF Stellar Lumens-Dollar Settlement Price on July 5th as administered, maintained, and reported by the cryptocurrency index provider CF Benchmarks Ltd. (using the ticker “XLMUSD_RR”) (available at https://www.cfbenchmarks.com/indices/XLMUSD_RR)
**The USD valuation of the award in XLM is calculated using the CF Stellar Lumens-Dollar Settlement Price on December 16, 2021 as administered, maintained, and reported by the cryptocurrency index provider CF Benchmarks Ltd. (using the ticker “XLMUSD_RR”) (available at https://www.cfbenchmarks.com/indices/XLMUSD_RR)
*The USD valuation of the award in XLM is calculated using the CF Stellar Lumens-Dollar Settlement Price on September 27, 2021 as administered, maintained, and reported by the cryptocurrency index provider CF Benchmarks Ltd. (using the ticker “XLMUSD_RR”) (available at https://www.cfbenchmarks.com/indices/XLMUSD_RR)
* The USD valuation of the award in XLM is calculated using the CF Stellar Lumens-Dollar Settlement Price on the date of transfer as administered, maintained, and reported by the cryptocurrency index provider CF Benchmarks Ltd. (using the ticker “XLMUSD_RR”) (available at https://www.cfbenchmarks.com/indices/XLMUSD_RR)
*This budget request has not been fully awarded to the project. The USD valuation of the budget request in XLM will be calculated using the CF Stellar Lumens-Dollar Settlement Price on day of payment as administered, maintained, and reported by the cryptocurrency index provider CF Benchmarks Ltd. (using the ticker “XLMUSD_RR”) (available at https://www.cfbenchmarks.com/indices/XLMUSD_RR). Learn more in the SCF Handbook.
*This budget request has been awarded to the project in XLM. The USD valuation of the budget request in XLM will be calculated using the CF Stellar Lumens-Dollar Settlement Price on day of payment as administered, maintained, and reported by the cryptocurrency index provider CF Benchmarks Ltd. (using the ticker “XLMUSD_RR”) (available at https://www.cfbenchmarks.com/indices/XLMUSD_RR). Learn more in the SCF Handbook.
*This budget request has not been fully awarded to the project. The USD valuation of the budget request in XLM will be calculated using the CF Stellar Lumens-Dollar Settlement Price on day of payment as administered, maintained, and reported by the cryptocurrency index provider CF Benchmarks Ltd. (using the ticker “XLMUSD_RR”) (available at https://www.cfbenchmarks.com/indices/XLMUSD_RR). Learn more in the SCF Handbook.
*This budget request has not been fully awarded to the project. The USD valuation of the budget request in XLM will be calculated using the CF Stellar Lumens-Dollar Settlement Price on day of payment as administered, maintained, and reported by the cryptocurrency index provider CF Benchmarks Ltd. (using the ticker “XLMUSD_RR”) (available at https://www.cfbenchmarks.com/indices/XLMUSD_RR). Learn more in the SCF Handbook.
*This budget request has not been fully awarded to the project. The USD valuation of the budget request in XLM will be calculated using the CF Stellar Lumens-Dollar Settlement Price on day of payment as administered, maintained, and reported by the cryptocurrency index provider CF Benchmarks Ltd. (using the ticker “XLMUSD_RR”) (available at https://www.cfbenchmarks.com/indices/XLMUSD_RR). Learn more in the SCF Handbook.