Agency OneBranch reach at agent-network cost.
Every outlet you appoint becomes a bank counter: cash in and out, account opening and KYC, far beyond where a branch could ever stand, with agent float and exposure in view the whole time.
What this network runs first.
An appointed outlet runs the core teller journeys the moment it is certified. Each is a catalog journey with validation and limits enforced from the contract.
Cash deposit
To any account on a partner bank
Cash withdrawal
Verified, with dual control on the limits
Account opening and KYC
Captured against the national identity (Omang)
Balance and mini-statement
A verified enquiry at the counter
Float, commission and reconciliation.
Agency banking lives or dies on float visibility and clean settlement. Both are built into the platform and checked every day.
Agent float and exposure, live
Every outlet position shows cash and float with liquidity health, so a drying agent is flagged before it turns a customer away.
Commission per transaction
Each deposit and withdrawal earns commission at the agreed rate, recorded twice, to the thebe, as the receipt prints.
Settlement reconciled three ways
Outlet takings, the bank settlement and the ledger are matched daily, so a mismatch surfaces as an exception with a deadline, while it is still small.
Ninety days, month by month.
What the first ninety days of a forty-outlet agency network look like on the platform. An illustration, with the figures a network of that size would see, not a client's.
Month 1
Twelve outlets, three services.
Discovery locks the scope. Twelve appointed outlets are certified and open on a declared float of P 20,000.00 each, running cash deposit, cash withdrawal and balance enquiry. Every till closes to P 0.00 from the first evening.
- Outlets live
- 12
- Services
- 3
- Float per outlet
- P 20,000.00
- Variance at close
- P 0.00
Month 2
Account opening joins, by configuration.
Account opening and KYC against the Omang are published to every outlet in one afternoon, with a second approver. Twenty-five outlets are live and three super-agents hold float for their clusters, rebalancing under dual control.
- Outlets live
- 25
- Services
- 4
- Super-agents
- 3
- Exceptions open at close
- 0
Month 3
Forty outlets, the match every morning.
Loan repayment and mini-statement join the counter. Forty outlets are live, the three-way match runs at 06:30 against the settlement bank, and each outlet gets a commission statement to the thebe.
- Outlets live
- 40
- Services
- 6
- Daily match
- 06:30
- Commission statements
- Per outlet
Your people, the platform roles.
Your agent network maps straight onto platform roles, including the cluster holder who fronts float for several outlets.
Runs the teller journeys, captures KYC and cashes up the outlet position at close.
Holds and rebalances float across a cluster of outlets, requesting moves that a supervisor approves.
Approves rebalances and reversals with dual control and watches outlet positions across the network.
Works the daily reconciliation, the failed-transaction queue and the KYC exceptions against the compliance record.
What the network gets.
- Branch-level reach at agent-network cost
- Customer verification and dual control built into the counter
- Agent float and cash exposure visible live, per outlet
- Settlement reconciled three ways before it becomes a dispute
- KYC captured against the national identity at the point of sale
- A stranded-float agent flagged before customers are turned away
For the people who sign it off, their questions answered with their screens.
Extend the branch without building one.
Schedule a demo and walk the outlet counter and the positions your supervisors would watch.