The ecosystem
One company. Seven products.
Each product solves a different problem. Underneath, they are designed to share four layers: identity, payments, records and AI. What one product learns, the next can use.
Shared layers
Four layers. Built once.
Identity, payments, records and AI are built once and designed for every product to use. This is the shared design the products are built toward. Today each product runs on its own.
- Identity
- One verified identity for a person, household or business. From SihaPlus.
- Payments
- Settlement on the mobile money rails people already use. From SihaPlus.
- Records
- Activity captured as structured, verifiable records. From SHAM.
- AI
- A reasoning layer that reads across the records. From OPTLA.
| Product | Identity | Payments | Records | AI | In practice |
|---|---|---|---|---|---|
| SHAM | SHAM: uses the Identity layer | SHAM: uses the Payments layer | SHAM: originates the Records layer | SHAM: uses the AI layer | The verified producer record that finance can rely on. |
  Mauzo | Mauzo: does not use the Identity layer | Mauzo: uses the Payments layer | Mauzo: uses the Records layer | Mauzo: uses the AI layer | Every sale, with M-Pesa or cash, on one record. |
  DILI | DILI: uses the Identity layer | DILI: uses the Payments layer | DILI: uses the Records layer | DILI: uses the AI layer | Verified transporters, tracked loads, reconciled payment. |
  SihaPlus | SihaPlus: originates the Identity layer | SihaPlus: originates the Payments layer | SihaPlus: uses the Records layer | SihaPlus: uses the AI layer | One identity, one wallet, one rail for the household. |
  Fyundi | Fyundi: uses the Identity layer | Fyundi: uses the Payments layer | Fyundi: uses the Records layer | Fyundi: uses the AI layer | Verified technicians, paid jobs, two sided ratings. |
  OPTLA | OPTLA: does not use the Identity layer | OPTLA: does not use the Payments layer | OPTLA: uses the Records layer | OPTLA: originates the AI layer | One live data model and the AI layer over it. |
| MOYO | MOYO: uses the Identity layer | MOYO: does not use the Payments layer | MOYO: uses the Records layer | MOYO: uses the AI layer | A companion that remembers, with memory kept as personal data. |
How the family connects
Separate products. One shared design.
How a record made in one product becomes useful in another. These flows are the design the products are built toward, not live integrations.
- MauzoSHAMSale recordA Mauzo sale becomes a trade record in SHAM.
- DILISHAMMauzoLogistics legA DILI delivery is the logistics leg of a SHAM or Mauzo trade.
- FyundiMobile money railMobile moneyA Fyundi job is paid on mobile money.
- OPTLAevery productAI layerOPTLA's AI layer reads across every record.
- SihaPlusIdentity + wallet railIdentity + walletSihaPlus uses the same identity and wallet rail.
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Build on the family.
Partners, institutions and investors can work with one product or with the shared layers underneath them.
Start a conversation Dar es Salaam, Tanzania