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Pyypl (pronounced “people”) is a financial technology company on a mission to provide digital financial services to the millions of people in emerging markets who are excluded from traditional banking.

Their solution? A non-bank digital wallet that offers instant payments, virtual cards, and secure money transfers — safer, faster, and smarter than cash.

The Challenge

In many regions, especially across the Middle East, Africa, and Asia, a large portion of the population remains unbanked. These individuals:

• Rely solely on physical cash, which is insecure and hard to track

• Lack access to credit, debit cards, or online payment systems

• Face high fees and long delays in sending or receiving money

• Are excluded from modern financial tools that could support growth

For employers and governments, distributing wages or aid to unbanked individuals also presents logistical and security issues.

The Solution

Pyypl partnered with regional employers, delivery platforms, and NGOs to roll out its digital wallet to thousands of unbanked workers and individuals. With only a smartphone and a local SIM card, users could:

• Instantly receive funds (salary, aid, or remittance)

• Access a virtual Visa card to shop or subscribe online

• Send money securely to friends and family

• Track all transactions in real time — no need for a bank account

All of this was done through a compliant, KYC-enabled app that prioritizes security and usability.

The Results

With Pyypl, users transitioned from risky, delayed cash payments to instant, secure, and fully digital financial access. Employers and partners reported faster disbursements, reduced admin costs, and improved transparency. Unbanked individuals gained access to virtual cards, safe money transfers, and real-time transaction tracking — all without a traditional bank account.