Agent Network

A managed cash-in / cash-out network you can run from one dashboard.

Most Djiboutians transact in cash. MerasPay's agent network operationalises that reality — convenience stores, telecom shops, and money exchangers become endpoints where customers turn cash into wallet credit and back again. We handle float, commissions, KYC, geo-fencing, and risk. You sign up agents and earn on every transaction.

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The network at a glance

Liquidity models: Prepay · Postpay
Payout rails: 6
Cashout-code SLA: p95 < 60s
Recon cadence: Daily T+0

Four pillars under one platform

Steps 18 through 21 of the MerasPay build plan landed the agent network as a single coherent product surface — onboarding, liquidity, collection, distribution — with a single ledger and a single audit trail.

Onboarding & KYC

Self-service signup from the agent app, ID + address proof capture, admin 4-eyes approval, and instant readiness for the first transaction.

Liquidity model — prepay or postpay

Prepay deposits credit the agent's float instantly. Postpay credit lines extend a configurable limit with daily settlement. Mix both per-agent.

Collection (cash-in)

Agent collects cash from a customer, scans or types the recipient identifier, and the platform credits the destination wallet via the right rail.

Distribution (cash-out)

Recipient gets a one-time cashout code by SMS, walks into any agent, and redeems. Agent pays out cash and is reimbursed from float.

A collection (cash-in) transaction

The most common transaction on the network. Cash on the counter becomes a credit in the recipient's wallet in under sixty seconds.

1
Customer walks in with cash
The agent opens the app, taps Collect, and scans or keys in the recipient's phone number / wallet handle.
2
Quote
The app shows the amount the recipient will receive, the agent commission, and any FX. The customer confirms verbally.
3
Payout
The platform debits the agent's float and credits the recipient wallet via the right rail (Waafipay / D-Money / SabaPay / CAC / EAB / SantimPay).
4
Receipt
The agent issues a printed or SMS receipt with the reference id. The customer sees the credit on their wallet in under a minute.

A distribution (cash-out) transaction

The other direction — wallet credit becomes paper money the recipient can carry.

1
Originator creates a cashout code
A merchant, partner, or family-support sender targets a destination phone number with an amount and currency. The platform reserves the funds.
2
Recipient receives a one-time code
SMS contains a 6-digit code, the redeemable amount, and a list of nearby agents. The code expires in 24 hours and can be reissued.
3
Recipient redeems at any agent
The agent enters the code in the agent app; identity is verified against the destination phone number plus an ID document.
4
Agent pays out cash, gets reimbursed
Float is credited to the agent net of commission. Daily settlement covers the bank-side replenishment per the agent's liquidity model.

Built for real Djiboutian field operations

The hard problems of running a physical network — fraud, float, geography, training — are first-class concerns, not afterthoughts.

Geo-fenced operating zones

Each agent has a permitted operating geography. Out-of-zone transactions raise an alert and require an override — useful for spotting account takeover.

Tiered commission schedule

Per-product, per-amount, per-corridor commissions. Schedules update centrally; agents see their accrued earnings live in the agent app.

Float reconciliation

Daily T+0 close per agent: opening float, transactions, commissions, replenishments, closing float. Anomalies flagged for the field-ops team.

Risk controls

Per-agent daily limits, velocity rules, customer concentration alerts, mandatory selfie + ID re-capture on suspicious patterns.

Dedicated agent app

A Next.js Android-friendly PWA covers signup, customer onboarding, collection, distribution, history, earnings, and incident reporting — works on entry-level Android.

Field operations dashboard

Network managers see live agent status (online, low-float, suspended), territory heat-maps, weekly comparatives, and one-click suspension.

In code

Two calls — one admin, one agent — that cover the full happy path from approval to a completed cash-in.

bash

# Network manager approves a new agent and initialises their float account.
$ curl -X POST https://api.meraspay.io/v1/admin/agents/agt_01HZ.../approve \
  -u sk_admin_xxx: \
  -d currency=DJF \
  -d credit_limit=500000           # 5,000 DJF postpay credit line

{
  "id": "agt_01HZ...",
  "status": "live",
  "float": { "balance": 0, "currency": "DJF" },
  "credit_line": { "limit": 500000, "available": 500000, "currency": "DJF" }
}

# Agent then opens the app, collects cash from a customer, and credits a recipient.
$ curl -X POST https://api.meraspay.io/v1/agent/collections \
  -u sk_agent_xxx: \
  -H "Idempotency-Key: col-2026-05-24-9981" \
  -d amount=10000 -d currency=DJF \
  -d "destination[provider]=waafi" \
  -d "destination[msisdn]=+25377101010"

{
  "id": "col_01HZ...",
  "object": "agent_collection",
  "status": "succeeded",
  "agent_commission": 50,            # 0.5 DJF (5 minor units? See pricing.)
  "destination_credited_at": "2026-05-24T15:51:00Z"
}

Frequently asked

Who can become a MerasPay agent?▾

Any registered Djiboutian business with a fixed premise — convenience stores, telecom shops, money exchangers, fuel stations, pharmacies. Mobile agents and roving units are supported via geo-fence settings.

What hardware does an agent need?▾

A low-end Android phone. The agent app is a PWA — works on entry-level hardware and is fine over 3G. Receipt printing is optional via Bluetooth thermal printers for premium agents.

How much does an agent earn?▾

Per-transaction commission set by the network operator, with tiered overrides per corridor and product. Earnings accrue in the agent's float account and settle to their bank account on the chosen cadence.

What happens if an agent runs out of float?▾

Prepay agents top up by depositing at a partner bank branch. Postpay agents draw against their credit line until daily settlement clears. Network managers see low-float alerts in the dashboard and can pre-emptively replenish.

How is fraud handled?▾

Velocity rules + customer concentration alerts + mandatory selfie on suspicious patterns + AML screening of every cashout code redemption. Suspect transactions auto-hold and ping the field-ops team.

Can agents serve remittance recipients?▾

Yes. The remittance termination flow routes payouts through agent cash if the recipient picks agent_cash as their payout method — same code, same reconciliation, partner gets a single status webhook.

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