SoshoPay enables financial institutions, retailers, and energy companies to offer income-generating assets on flexible pay-as-you-go (PAYG) terms. From solar kits and smartphones to irrigation pumps and productive-use appliances, our platform manages the full financing lifecycle—allowing last-mile customers to access essential tools with minimal upfront cost, while enabling partners to scale credit offerings without adding operational burden.

We provide an AI-powered digital credit engine built for underserved markets, with API integrations for KYC, mobile money disbursements, alternative credit scoring, and automated repayments. SoshoPay’s infrastructure helps banks, MFIs, and last-mile distributors underwrite risk more accurately and reach clients without formal financial histories, turning previously invisible income streams into viable credit profiles.

At the core of SoshoPay’s risk management is our IoT-enabled access control technology, which allows remote activation or deactivation of financed assets based on payment status. Whether it's a solar fridge, sewing machine, mobile phone, or irrigation kit, we ensure usage is directly linked to repayment, reducing defaults and giving lenders greater security without relying on physical repossession.

SoshoPay bridges global families through DiasporaPay—an infrastructure that lets Africans abroad sponsor PAYG assets for loved ones back home. With automated payments, SMS confirmations, and smart usage monitoring, funders gain visibility, while beneficiaries receive life-changing equipment on fair terms. It’s transparent, secure, and impact-driven—enabling the diaspora to support growth sustainably.