Part 2: The Proposed Solution

Tankyu Practice Chart

Issue to be Solved
Revenue leakage + Operational blindness + Checkout friction

Merchants lose 3–5% of revenue to cash handling while suffering from zero real-time visibility. Customers endure slow, fragmented checkout experiences via manual USSD or unreliable internet-dependent POS systems that fail when offline.

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Hypothesis Solution
Unified, offline-first NFC payment ecosystem (GPaye)

Decouples the funding source (Mobile Money/PI-SPI) from the physical transaction. Encrypted hardware cards support auto-topups and instant (<2s) taps, eliminating checkout friction for the user and providing 100% accurate, real-time reconciliation for the merchant.

|| ENABLERS — What makes this possible ||
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Business

  • B2B2C strategy targeting high-frequency captive environments
  • Transparent 1% commission — cheaper than cash leakage
  • Built-in loyalty programs to incentivize rapid adoption
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Technology

  • Custom low-cost ESP32-S3 NFC terminals with offline encrypted storage
  • Robust cloud architecture with unified Mobile Money + PI-SPI APIs
  • Real-time merchant dashboards for instant operational visibility
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Human Resources

  • In-house technical expertise driving hardware & software innovation
  • Local operations teams for hardware deployment, maintenance & merchant training
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