How one project delivers against so many of our objectives — from the AI/FinTech pivot to the people we set out to reach.
Not a plan — a live wallet. Real people in a Cape Town township are sending money, buying from local merchants, and inviting their neighbours in.
“We are building something people really need. Onboarding the first leaders and merchants… if a business is based on good values, we build something truly unique in these turbulent times.”
Kiota lands squarely against two sets of objectives at once — the FY2025 strategy and who we say we are.
From the strategy: “Proactively pilot high-margin new capability – AI/FinTech” and stand up a “FinTech Practice: custom application build for Fintechs and FS companies.”
A working wallet — P2P payments, merchant purchases, KYC — in production.
An LLM chat/triage agent runs onboarding and servicing over WhatsApp.
The multi-tenant white-label platform shipped this window — Mzansi Connect runs on it as its own brand. Repeatable, not a one-off.
Kiota isn’t just ‘on strategy’ in spirit — it directly advances specific FY2025 line items.
“Our people are at the heart of what we do.” Kiota turns that value outward — and the community is spreading it themselves.
A wallet for the unbanked — ‘the poorest of the poor’, in the townships.
KYC over WhatsApp — no branch, no app-store barrier, no paperwork.
98% of members were invited by a neighbour — the community owns the growth.
“It’s almost an open-source business — margins are clear for all to see. Every product pricing build is visible to all!”
This is our Brand Voice made real: honest, simple, transparent. A values-led business model, not values on a poster.
Beyond the objectives, Kiota is evidence of Personal Excellence in delivery.
Wallet, P2P payments, merchant tools, AI servicing and a white-label platform — integrated and shipped.
KYC, compliance and low-connectivity users — solved, not simplified away.
98% referral growth to 1,000+ users says people actually want it.
The clients said it better than any strategy doc could:
“On behalf of the Delft community, thank you for believing in a life-changing solution for the poorest of the poor across South Africa… our prayer is that this becomes the start of a movement — where the world will one day hear our story and see what we built from the townships.”
“Thanks everyone involved for the contribution — past, present and future. Surely if a business is based on good values, we build something truly unique. Wowzer!!!! Thanks Saratoga in particular!!”
Note: this is Delft in Cape Town (Voorbrug township), not the Netherlands — so it counts toward SA-growth and offering objectives, not international expansion. Pilot metrics are prod data as of 28 Jul 2026.