business model
We only earn when you win
No monthly fees, no fixed charges and no fine print. If you don't use Optipagos, you pay nothing.
What's free
Creating your wallet
It costs nothing and there's no subscription.
Sending and receiving
Moving digital dollars over WhatsApp has no fee.
The only thing we charge today
Putting money in and taking it out
A fee between 0.5% and 1% (never more than 1.5%) when you move from your bank account to digital dollars and back. These are the planned rates during the demo.
What's coming
These ideas aren't available yet. We mention them to be transparent about where we're headed:
- Soon
Savings that earn
Putting your dollars to work. Optipagos would keep only a small share of what you earn, and the rest would be yours.
- Soon
Digital pasanaku
Automated savings circles among friends and family, with a very small fee for the service.
- Soon
Payments for shops
Processing your business's payments with a very small fee, and the option to give part back to your customer.
- Soon
A record to access credit
We're exploring ways for people without access to banking to show their payment history and get small loans. It's an idea under study.