Mariyangu · Live Demo
Imali Yami · with BancABC · powered by Flourish500
Simulation running
Pick a seat. See what the sender does, what the family experiences, and what BancABC sees on its console — all from the same single transfer. Nothing here requires anyone to change how they already send money.
Tariro in London sends £100 home every month through the transfer service she already uses. Today she notices one new option on the screen: BancABC Mariyangu. Same app, same fee she's always paid the operator, same two minutes.
She picks it — and that single choice is the only thing that changes anywhere in this story.
The operator settles to BancABC as normal. Now switch seats and watch what happens in Harare.
REF MY-2026-08-████ · £100 → BancABC Mariyangu
In Harare, Amai Tariro's phone buzzes twice. First the official notification — from BancABC, the bank that now holds the value safely. Then a warm WhatsApp welcome from Mariyangu, showing exactly what her money collects this week and where.
She redeems by phone — USSD or the app — at a shop she already knows. No new account needed to start; her phone number is enough, and the bank applies its normal checks if she ever takes cash.
BancABC doesn't answer "where are my three bags?" — Mariyangu's engagement layer handles the human conversations. What the Bank owns is the aggregate control layer: the designated account float, live demand by sector, the weekly allocation it approves, and settlement to a short list of vetted suppliers.
Settlement runs in arrears of confirmed demand — the Bank pre-purchases against value it already holds and demand it can already see, never against forecasts. Treasury caps the timing exposure by policy.
Everyone keeps doing what they already do. The only new things are one destination choice and one wholesale price.
Sender picks BancABC Mariyangu in their usual transfer app.
SenderValue lands in the ring-fenced account; the purse is loaded and the official SMS goes out.
BancABCOne webhook later, Mariyangu greets the family on WhatsApp with this week's value.
MariyanguGoods at wholesale via *227# or app — or cash at face value. Every time, their call.
FamilyWeekly batches to vetted suppliers, sized by confirmed demand on the console.
BancABCAll value sits with BancABC, a licensed bank, from arrival to redemption. Mariyangu and Flourish never hold or move money — the software only ever receives notifications.
Nobody is ever locked into goods. The full cash value is available at any time through the Bank's normal channels. Goods are simply worth more — that's the whole offer.
The extra bags come from advance purchase at agreed wholesale prices — the same prices bulk buyers already get. No lending, no investment, no return promised, no new licence needed.
Two minutes on WhatsApp to join as a member. Banks and suppliers: the console you just saw is the aggregate view we build with you.