HOW IT WORKS

Remittances.
Rewired.

Topos is the infrastructure layer to turn remittances into regulated collateral — unlocking credit, wallets, and full financial services in underserved markets.

IN A NUTSHELL

Trust. Collateral.
Last-mile banking.

Pledge
collateral.

Pledgers abroad divert a portion of remittances into collateral.

Access
credit.

Borrowers at home receive loans backed by the pledge - instantly.

Build
resilience.

The daily driver for lasting impact in one app: pay, save, repay - repeat.

OFF-SHORE COLLATERALIZED CREDIT

One pledge.
Inifinite impact.

Step by step: Alice backs Bob's credit line with her peldge.

1

Bob needs credit at home

Bob lives in his hometown and urgently needs a loan - he asks Alice, his cousin, for support through Topos

2

Alice can help from abroad

Alice lives abroad and regularly sends money to Bob - she pledges a portion of her next remittance into a secure Topos escrow.

3

Bob gets access to fair credit

Once linked, Bob istantly becomes eligible for a credit line backed by Alice’s pledge.

4

Bob uses & repays his credit

The loan is disbursed locally and repaid over time — digitally or through partner agents.

5

Bob's benefits are lasting

All activity builds credit history and formal financial access for Bob — while Alice sees her pledge do more than cash ever could.

6

Alice's support is lasting

Alice’s pledge is only drawn down if Bob defaults, otherwise it's recycled into future credit eligibility.

For Alice

and other
pledgers

For Bob

and other
borrowers

TOPOS CORE BANKING

Modular. Mobile. Ready for any market.

A full banking system built for low-connectivity, last-mile environments.

Works anywhere

Accessible even in the most remote parts of the world and without internet via USSD and agent-based access.

Agency-banking ready

Ready for scale with built-in agent comission management, float tracking, and local integrations.

Fully-fledged feature suite

Rocking a full set of must-have banking features, including wallets, payments, transfers, CICO operations, and more.

WHY START USING TOPOS?

total
pledger
expenses

UP TO

2x

LESS

assuming channelling 50% of regular $250 remittances through Topos

costs
per $
issued

UP TO

40%

LOWER

compared to conventional remittances at 10% fees, when using Topos for 12 months

borrower
received
funds

UP TO

3x

MORE

assuming channelling 50% of regular $250 remittances through Topos for 12 months

MORE REASONS TO USE TOPOS

For pledgers:

Turn remittances into productive financial asset

Boost long-term value of every remitted dollar

Save on remittance fees

Pledgers

For borrowers:

Access fair credit, scalable & with improving terms

Build financial resilience through credit history

Save on remittance fees

Borrowers