Open by default
We build on digital public goods and open standards, so the country owns the stack and can change suppliers without starting over.
Digital Public Infrastructure
The shared rails a digital economy runs on.
Digital public infrastructure (DPI) is the small set of systems that every other digital service depends on: a way to prove who you are, a way to pay anyone, and a way to share data safely. Built once, openly, it lets governments, banks and fintechs serve a whole population instead of a lucky few.
Three pillars
Identity, payments, data exchange.
Each pillar is useful alone. Together they compound: an ID that can open an account, an account that can receive a payment instantly, and a consented record that proves eligibility without a queue. We go deepest on payments, and design identity and data exchange so they connect to it cleanly.
Pillar 01
Payments
Inclusive instant payment systems: interoperable rails every bank, wallet and agent can reach.
Explore →Pillar 02Digital identity
Foundational ID that lets people prove who they are, and lets services onboard them remotely.
Explore →Pillar 03Data exchange
Secure, consented exchange between registries and services, so citizens stop being the courier.
Explore →How the layers fit
One stack, five layers.
DPI works as a stack. Open standards at the bottom keep it replaceable; services at the top are where people feel it. Our work sits in the middle: we build payment rails and the tools that keep them running, and we integrate identity and data exchange so the layers work as one.
- 01
Open standards and digital public goods
ISO 20022, open APIs, and open-source platforms such as Mojaloop, MOSIP and X-Road. The layer that keeps a country free to change vendors. - 02
Digital identity
A foundational ID that anyone can use to prove who they are, and that services can verify remotely. - 03
Payment rails
An instant, interoperable payment system that every bank, wallet and agent can join on fair terms. - 04
Data exchange
Consented, secure flows between registries and services, so data moves instead of people. - 05
Services
What citizens actually see: social transfers, merchant payments, account opening, public services.
Principles
How we build it.
Interoperable from day one
Every participant connects through the same published interfaces. No bilateral integrations, no closed loops.
Inclusive by design
Feature phones, agents and low-connectivity areas are the design target, not an afterthought added after launch.
Governed by its users
Scheme rules, participation tiers and oversight are designed alongside the technology, with the institutions that will run it.
Secure and sovereign
On-premise or in-country cloud, an operating ISMS, and data that stays where the law says it must.
We don't build systems for partners. We build them with partners.
Planning a DPI programme?
Whether you are at the strategy stage, writing terms of reference, or mid-implementation, we can help you structure the next step.