Where strategy meets technology.

Fintech & Payments

IoT-Integrated Payment
Ecosystem for
Financial Inclusion

Designing and implementing a hybrid centralized-decentralized payment platform integrating IoT devices, blockchain tokenization, and traditional banking infrastructure to address cash shortage and financial inclusion challenges across Sub-Saharan Africa.

Client

PayAll - Sub-Saharan Africa Infrastructure Operator

Region

Sub-Saharan Africa

Industry

Financial Services / Telecom

Key Metrics

10,000+

Transactions Per Second

<5s

Transaction Finality

15km

Rural Coverage Range

60%+

Unbanked Population Served

The Challenge

A Complex Multi-Stakeholder Problem

Our client, a major infrastructure operator in Sub-Saharan Africa, faced challenges requiring both technical innovation and deep understanding of emerging market dynamics.

Regulatory Mandate

Central banking authorities issued directives to address chronic small-denomination coin shortages disrupting retail commerce and creating economic inefficiencies.

Infrastructure Limitations

Traditional mobile money solutions relied on consistent cellular connectivity—a significant limitation in rural areas where network coverage is unreliable or non-existent.

Financial Inclusion Gap

Over 60% of the population remained unbanked or underbanked, with limited access to formal financial services, smartphones, or reliable internet access.

Multi-Stakeholder Complexity

The ecosystem required seamless integration across consumers, merchants, banks, payment processors, and regulatory bodies—each with different technical capabilities.

The Client Required a Platform That Could:

Enable secure micro-transactions in areas with poor connectivity

Support hardware devices for users without smartphones

Integrate with existing banking and payment infrastructure

Provide regulatory compliance and audit trails

Scale to support millions of transactions daily

Monetize existing telecommunications assets

Support future expansion to other IoT services

Why Builderson Group

The Right Partner

IoT & Emerging Technology Expertise

Deep experience in LoRaWAN networks, IoT device integration, and blockchain/DLT technologies for financial services

Payment Systems & Financial Infrastructure

Proven track record delivering payment platforms, banking integrations, and regulatory compliance solutions

Emerging Market Technology Deployment

Understanding of unique challenges in deploying technology solutions in regions with infrastructure limitations

Hybrid Architecture Design

Expertise in designing systems that combine centralized and decentralized components for optimal performance

Our Solution

PayAll: Hybrid Payment Ecosystem

Builderson Group architected a hybrid centralized-decentralized payment ecosystem combining IoT device networks, blockchain tokenization, and traditional payment infrastructure.

LoRaWAN Connectivity Layer

Low power consumption—devices operate for months without recharging
10-15km range in rural areas, penetrating buildings and terrain
P2P resilience allows devices to relay through each other
Infrastructure monetization through client-owned gateways

Specialized Payment Hardware

Ultra-low power LoRaWAN transceivers
Secure element for cryptographic operations
Simple UI optimized for low-literacy users
Offline transaction capability with later sync

Centralized Components

Core Transaction Engine: 10,000+ TPS throughput
Regulatory Compliance Hub: Real-time KYC/AML monitoring
Banking System Integration: Real-time settlement
AI/ML Fraud Detection: Transaction pattern analysis

Decentralized Components

Distributed Ledger: Immutable transaction records
Smart Contracts: Automated validation and tokenization
Tokenization Engine: Blockchain-based value tokens
Self-sovereign identity for privacy-preserving auth

Transaction Flow

Architecture Flow

STEP 1

LoRaWAN Transmission

Payment device transmits via LoRaWAN to nearest gateway

STEP 2

API Gateway Routing

API Gateway routes to Core Transaction Engine for validation

STEP 3

Real-Time Validation

Real-time checks: balance, fraud detection, authentication

STEP 4

Smart Contract Execution

Smart Contract executed in Decentralized Layer

STEP 5

Distributed Ledger Recording

Transaction recorded on Distributed Ledger

STEP 6

Blockchain Tokenization

Tokenization generates blockchain-based proof

STEP 7

Banking Settlement

Settlement processed with traditional banking systems

STEP 8

Transaction Confirmation

Both parties receive confirmation via devices

Platform Expansion

Multi-Use Platform Foundation

The architecture was designed to support expansion beyond payments, enabling multiple revenue streams.

Agricultural Monitoring

IoT sensors for crop monitoring, soil analysis, and yield optimization

Environmental Sensing

Air quality, water monitoring, and climate data collection

Energy Management

Smart metering and prepaid utility access

Supply Chain Tracking

Asset tracking and logistics optimization

Technical Implementation

Technology Stack

IoT Connectivity

LoRaWAN Protocol

Custom Gateway Firmware

Cloud Infrastructure

Multi-region Deployment

Microservices Architecture

Blockchain

Quorum (Enterprise Ethereum)

Solidity Smart Contracts

Integration

ISO 20022 Messaging

RESTful APIs

OAuth 2.0

Security

HSM Integration

End-to-end Encryption

Secure Elements

AI/ML

Real-time Fraud Detection

Pattern Analysis

Security & Compliance Architecture

Device Level

Secure elements, tamper detection, encrypted storage, secure boot

Network Level

Encrypted LoRaWAN, mutual TLS for API calls

Application Level

Multi-factor auth, RBAC, transaction signing

Data Level

Encryption at rest/transit, data sovereignty, GDPR compliance

Regulatory

Real-time AML/CFT monitoring, audit trails, reporting APIs

Results & Impact

Transformational Outcomes

Financial Inclusion

Extended formal financial services to unbanked populations
Enabled micro-transactions without smartphones or bank accounts
Gateway to broader services: savings, credit, insurance

Economic Efficiency

Eliminated need for physical coin minting and distribution
Reduced transaction costs for small-value payments
Improved commerce velocity in underserved markets

Infrastructure Monetization

New revenue from payment transaction processing
Gateway infrastructure as a service for IoT applications
Platform fees from third-party integrations

Regulatory Compliance

Met all central bank requirements
Complete audit trails for all transactions
Seamless national payment system integration

Technologies & Expertise

Capabilities Demonstrated

LoRaWAN Network Architecture & DeploymentIoT Device Integration & ManagementBlockchain/DLT (Quorum/Ethereum)Smart Contract Development (Solidity)Payment Systems Integration (ISO 20022)Banking & Financial Services InfrastructureRegulatory Compliance (AML/CFT/KYC)AI/ML for Fraud DetectionCloud Architecture & MicroservicesSecurity Architecture & CryptographyEmerging Market Technology Deployment

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Whether integrating emerging technologies with legacy systems, deploying in challenging environments, or building platforms that scale—Builderson Group delivers mission-critical solutions.

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