Whitepaper

Value

See how valuable the Tulupay ecosystem will grow within a decades

Our Value Proposition

For Consumers

Instant, low-cost P2P & cross-border payments

One wallet for all financial services (bank, mobile money, crypto)

Instant, low-cost P2P & cross-border payments

For Businesses

Reduced transaction fees & settlement times

Access to embedded finance (lending, escrow)

Reduced transaction fees & settlement times

For Governments & Banks

Secure, interoperable CBDC infrastructure

Fraud-resistant digital identity & KYC

Secure, interoperable CBDC infrastructure

Why Tulupay?

  1. 1. Not just a payment app – A full-stack Financial OS that others can build on.
  2. 2. Africa-first design – Built for local regulatory, infrastructural, and user needs.
  3. 3. Open but compliant – Balances decentralization with AML/CFT safeguards.

Competitors' Analysis

COMPETITORSSTRENGTHSWEAKNESSESOUR OPPORTUNITIES
M-Pesa
  • •Dominant in East Africa
  • •Strong agent network
  • •Closed ecosystem
  • •Limited cross-border interoperability
  • •Open, interoperable with banks & blockchain
M-Pesa
  • •Pan-African payments
  • •Global card integrations
  • •Relies on legacy banking rails
  • •High forex costs
  • •Native blockchain reduces fees & settlement times
M-Pesa
  • •AFCFTA-backed cross-border system
  • •Slow adoption
  • •Limited DeFi/CBDC integration
  • •Hybrid (traditional + blockchain) for wider use cases
M-Pesa
  • •Fast cross-border crypto payments
  • •Not Africa-optimized
  • •Minimal mobile money integration
  • •Built for Africa (mobile-first, regulatory alignment)

Tulupay's Edge

More than payments – A full ecosystem (unlike Flutterwave/PAPSS).

More open than M-Pesa – No vendor lock-in.

More localized than Stellar/Ripple – Designed with African regulators and users in mind.

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