Last-Mile Financial Distribution

Turn Every Approved Agent into a Controlled Financial Access Point.

Build and govern agent networks that extend banking and payment services beyond branches while maintaining liquidity, security and operational oversight.

What the platform enables

UNIPHI Agency Banking combines agent lifecycle management, assisted financial services, float/liquidity, commissions, device controls and centralized monitoring.

Core capabilities

Agent lifecycle

Onboarding, due diligence, approval, activation, hierarchy, device binding and status management.

Assisted services

Cash deposit/withdrawal, transfers, bill payments, onboarding, repayments and other configured services.

Liquidity & float

Agent float visibility, rebalancing, thresholds, alerts and regional liquidity monitoring.

Commission engine

Configurable agent/distributor commissions, incentives, reversals and settlement.

Network hierarchy

Master agents, distributors, branches, field managers and individual agents with delegated controls.

Supervision

Geo/device controls, transaction monitoring, cash position, performance, exception and compliance dashboards.

Architecture & operating model

Typical use cases

Bank branchless expansion

Mobile-money cash network

MFI field services

Government cash-out points

Merchant-agent convergence

Expand financial access without expanding branch cost.

Build an agent network with the controls required to scale sustainably.

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