IN A NUTSHELL
Trust. Collateral.
Last-mile banking.
Pledge
collateral.
Pledgers abroad divert a portion of remittances into collateral.
Access
credit.
Borrowers at home receive loans backed by the pledge - instantly.
Build
resilience.
The daily driver for lasting impact in one app: pay, save, repay - repeat.
OFF-SHORE COLLATERALIZED CREDIT
One pledge.
Inifinite impact.
Step by step: Alice backs Bob's credit line with her peldge.
1
Bob lives in his hometown and urgently needs a loan - he asks Alice, his cousin, for support through Topos
2
Alice lives abroad and regularly sends money to Bob - she pledges a portion of her next remittance into a secure Topos escrow.
3
Once linked, Bob istantly becomes eligible for a credit line backed by Alice’s pledge.
4
The loan is disbursed locally and repaid over time — digitally or through partner agents.
5
All activity builds credit history and formal financial access for Bob — while Alice sees her pledge do more than cash ever could.
6
Alice’s pledge is only drawn down if Bob defaults, otherwise it's recycled into future credit eligibility.
TOPOS CORE BANKING
Modular. Mobile. Ready for any market.
A full banking system built for low-connectivity, last-mile environments.
Accessible even in the most remote parts of the world and without internet via USSD and agent-based access.
Ready for scale with built-in agent comission management, float tracking, and local integrations.
Rocking a full set of must-have banking features, including wallets, payments, transfers, CICO operations, and more.
.svg)
.svg)
