Micro Payment Rails
for Developing Countries

Secure Interoperability

Developing Countries are currently building out their Financial Infrastructure.

Few people, even in the industry, understand how easy it is to falter, and how incredibly destructive the consequences.

However, our founder Nick Brown is almost uniquely qualified to assist.

Secure Micro Payment Rails

Clear Purchase is building a Micro Payment Switch with unprecedented security, specifically designed for Developing Countries.

Payment Security Breaches would be Disastrous for Developing Countries.

Breaking the Poverty Trap

Physical Cash is one of the barriers trapping people in poverty.

Clear Purchase has been specifically designed to remove this barrier. Micro Payments allow even the poorest people to do everything electronically.

Remote purchasing will be safe and easy, as will starting and growing a small home business.

With Financial History of income, people will qualify for cheaper and cheaper credit.

In time, many will become Middle Class:

The Engine that will Empower Developing Countries into the Future.

Big Tech Power Grab

There is much talk of Big Tech owning our Private Information, and their ability to restrict News and Free Speech.

However, there is a far more worrying story that no-one is talking about:

Big Tech is in the process of grabbing control of all Payment Processing, Globally.

Imagine what they will do with that kind of power.

We must stop them gaining complete dominance of this industry before it is too late.

"What can we do? Facebook is bigger than Kenya." - Kenya Rep.

California

There are around 3 million Undocumented in California, most of whom have jobs, families, cars, cell phones, etc..

However, due to federal regulations, they are not able to safely open a bank account or a credit/debit card.

They are excluded from the financial services that we take for granted every day.

They have to do everything with physical cash, as do the Poor & Homeless.

They have to take their pay checks to expensive cash checking companies, and sending money home to their families in Latin America is costly and inconvenient.

California Showcase: San Francisco
Tribal Nations Showcase: pending

Caribbean

Banking is inconvenient in most Caribbean countries, and many in The Americas, with regular people having to wait for an hour or more just to get into a branch.

Most people do almost everything with physical cash.

Considerable innovation has been happening in recent years, with new local Mobile Wallets, and also a new Sand Dollar CBDC. However, all these systems and technologies will be of limited value until they start connecting and working together, and connecting to the major banks - Interoperability.

Caribbean Showcase: The Bahamas ✔
Latin America Showcase: Brazil

Africa & Asia

While many Developing Countries have extremely high poverty rates, they have also been making phenomenal strides in changing their future, with innovations like M-Pesa Mobile Money.

The biggest problem with offering financial services to people earning $2 per day is tiny transaction sizes. It is not viable to use a Credit/Debit Card for 10¢ purchases, when there is a 20-35¢ minimum fee.

In addition, offering $100 Micro-Loans are extremely expensive when collecting the loan repayments in cash, which has to be passed on to the borrower.

Africa Showcase: Ghana & Kenya
SE Asia Showcase: Philippenes