Wallet and scheme infrastructure for cooperatives and operators.
Branded wallets, white-label payment apps, and scheme management built on the same rails STSL operates for banks.
OVERVIEW
Bank-grade rails, in your brand.
Cooperatives, association schemes, and ecosystem operators need the same infrastructure banks run, without standing up a bank. STSL provides the wallet, payment, and scheme tooling under your brand, with our compliance posture and our 24/7 operations behind it.
CAPABILITIES
What we operate for community operators.
Branded wallets
White-label wallets for cooperatives, associations, and ecosystem operators. Members fund, save, transact, and pay schemes from a single account in your colours.
Contributions and savings
Recurring contributions, target savings, and ajo-style schemes with reporting your treasurer can defend at the AGM.
Payouts and disbursements
Bulk and scheduled disbursements to members, vendors, and beneficiaries across every Nigerian bank and mobile money operator.
Loans and credit schemes
Member lending with origination, scoring, repayment, and collections suited to cooperative and association rules.
Member onboarding
BVN, NIN, and document capture flows that satisfy NDPR and the records cooperative regulators expect.
Admin and oversight
Dashboards for executives, treasurers, and auditors. Roles, approvals, and audit trails out of the box.
HOW IT WORKS
From scheme to live wallet.
- Step 01
Scoping
A working session with your executive and operations team to map scheme rules, contribution patterns, and payout flows.
- Step 02
Configuration
White-label setup, brand application, and scheme rules configured against your constitution and bylaws.
- Step 03
Member rollout
Onboarding flows, training material, and a phased member rollout that does not break existing routines.
- Step 04
Run
Day-to-day operations, member support, and reporting to your executive and regulatory bodies.
CASE STUDY
A branded wallet for a national cooperative.
Unicoop
Challenge
A national cooperative was running contributions, loans, and payouts across three vendors and a chain of bank statements no treasurer could reconcile cleanly. Final scope details anonymised at first publish per §11.
Approach
STSL stood up a single white-label wallet on Pouchii rails, mapped scheme rules from the cooperative's constitution into the platform, and replaced the disbursement spreadsheet with a controlled approval flow.
Outcome
Members fund, save, and receive payouts from one app. The treasurer closes the books in hours instead of weeks.
- Members onboarded
- 120k+
- Contributions processed in year one
- NGN 4.2B
- Scoping to live wallet
- 8 weeks
COMPLIANCE AND SECURITY
Built on regulated rails.
Community wallets ride on CBN-licensed financial institutions through STSL. Funds are held in regulated accounts, not in our own ledgers.
- CBN-licensed partnersMember balances held with CBN-licensed financial institutions.
- NDPRMember data handled under the Nigeria Data Protection Regulation.
- KYCBVN and NIN verification with audit trails for cooperative and regulatory review.
- Operations24/7 monitoring with named support contacts for executive committees.
FAQS