Peace MFB × XtrapayProposal

Partnership Proposal · Confidential

The future of digital banking
starts here.

Digital banking infrastructure visualization

Traditional microfinance is under pressure from digital first institutions. Moniepoint, OPay, PalmPay, Kuda. Peace MFB holds the regulatory licensing these fintechs cannot easily acquire. Xtrapay and Xtractech bring the technology, payment infrastructure and digital banking capabilities to match.

Together, a digital financial institution built to compete nationally, and to scale across Africa.

The Vision

One licence. One platform. One Africa.

Transform Peace Microfinance Bank into a technology driven digital financial institution capable of competing with Moniepoint, OPay, PalmPay, Kuda, FairMoney, Carbon, Branch and Paga, and positioned as a regional African financial services platform.

African metropolitan skyline
Moniepoint
OPay
PalmPay
Kuda

Figure 01

A connected ecosystem orbiting one licensed core.

MobileAgentsMerchantsCardsAPIBillsPeace MFBLicensed Core

Partnership Foundation

Why this partnership makes sense.

What Peace MFB brings

Regulation & Reach

  • 01Microfinance Banking License
  • 02Existing Customer Base
  • 03Regulatory Compliance Structure
  • 04Financial Services Authorization
  • 05Established Market Presence

What Xtrapay & Xtractech bring

Technology & Infrastructure

  • 01Core Banking & Payment Gateway
  • 02Merchant & Agency Banking Platform
  • 03Bill Payment Ecosystem
  • 04Virtual Accounts & Wallet Infrastructure
  • 05API Banking Services
  • 06Settlement, Reconciliation & Monitoring
  • 07Mobile & Merchant Banking
  • 08Loan Management & Digital Financial Services

“The license is not merely a permit to operate; it is a strategic growth asset capable of powering multiple digital financial products and services.”

Six Opportunities

A diversified roadmap for revenue and reach.

Each opportunity stands on its own, and together they form an integrated digital banking ecosystem.
Customer using a mobile banking app
Mobile first customer
POS terminal and card for merchant collections
Merchant & agent network

01

Opportunity

5

Channels live at launch

Digital Banking Expansion

Launch

  • Mobile Banking Platform
  • Internet Banking
  • Merchant Banking Solutions
  • Digital Wallet Services
  • Business Banking Products

Result

  • Increased customer acquisition.
  • Improved transaction volumes.
  • Enhanced customer retention.

02

Opportunity

24/7

Collections uptime

Merchant Acquiring & Collections

Deploy

  • Merchant Collections Platform
  • Virtual Account Collections
  • Payment Gateway Services
  • Invoice Payment Systems
  • QR Code Payments

Result

  • Recurring transaction revenue.
  • Merchant ecosystem growth.
  • New fee based income streams.

03

Opportunity

1M+

Billable touchpoints / yr

Bill Payments & Digital Services

Connect

  • Airtime & Data
  • Electricity & Cable TV
  • Utility Collections
  • Education & Government Payments
  • Broader utility payment collections

Result

  • Daily transaction volume.
  • Higher customer engagement.
  • New commission income.

04

Opportunity

36

States in coverage plan

Agency Banking Expansion

Scale

  • Cash In / Cash Out
  • Transfers & Bill Payments
  • Physical cash access nationwide
  • Everyday community financial services
  • Account opening across communities

Result

  • National footprint.
  • Deposit mobilization.
  • Deeper community penetration.

05

Opportunity

4

Card programs in roadmap

Card Business Expansion

Build

  • Debit Card Programs
  • Corporate Cards
  • Prepaid Cards
  • International Payment Cards
  • Visa & Mastercard integration

Result

  • Transaction revenue.
  • Brand visibility.
  • Customer acquisition.

06

Opportunity

∞

Partner integrations

API Banking as a Service

Power

  • APIs for Fintech Startups
  • Cooperatives & Savings Platforms
  • Loan & Payment Companies
  • Virtual Accounts & Transfers
  • Identity, Collections & Wallets

Result

  • New technology revenue.
  • Platform based growth.
  • Ecosystem leverage.

Figure 02

Projected revenue mix across the six lines.

6 of 6 selected
  • Digital Banking Expansion22%
  • Merchant Acquiring & Collections20%
  • Bill Payments & Digital Services12%
  • Agency Banking Expansion18%
  • Card Business Expansion13%
  • API Banking as a Service15%

Strategic Impact

A scalable, technology driven financial institution.

Diversified revenue, a growing digital customer base, and a foundation ready for regional expansion across Africa.

6

Revenue Lines Unlocked

Digital products powered by one licence

10×

Distribution Reach

Agents, merchants & digital channels

24/7

Always on Banking

Mobile, web, USSD & API

1

Continent in View

Built to scale across Africa

Figure 03

A five year growth trajectory.

Y1Y2Y3Y4Y5

Indicative · hover to inspect · toggle series & scenarios above

/ 01

Revenue Growth

Transaction fees, merchant services, API income, card business and digital banking.

/ 02

Customer Expansion

Individuals, SMEs, merchants, agents and fintech partners.

/ 03

Technology Infrastructure

Core banking, payment systems, digital channels and an API ecosystem.

/ 04

Regional Growth

Positioning for African expansion and long term sustainability.

Figure 04

A staged roadmap to market leadership.

1

Phase 01

Months 0 to 3

Foundations

Integration, compliance alignment, brand & product framing.

2

Phase 02

Months 3 to 9

Launch

Digital banking, merchant acquiring & bill payments live.

3

Phase 03

Months 9 to 18

Scale

Agency network, card programs & API banking onboarded.

4

Phase 04

Year 2+

Expand

Regional rollout across selected African markets.

Next Steps

Peace MFB has the license. Xtrapay and Xtractech have the technology. Together, the foundation for a leading African digital financial institution.

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