Your subscribers already trust you with their connectivity — fintech startups are the ones capturing their payments instead. KOSMORelay Cash puts a secure digital wallet directly into the SIM you already control, so transactions keep working even offline, and the relationship stays yours.
Fig. 1 — Transaction flow. SIM secure element to settlement — the same path whether the connection is NFC, QR, or fully offline.
Fig. 2 — Payment ecosystem. One wallet, connected to banking rails, retail terminals, and transit systems.
Secure digital wallet embedded directly into SIM/eSIM, supporting contactless payments, crypto, and banking rails with 256-bit encryption.
Compatible with virtually any mobile device, including legacy hardware — peer-to-peer NFC transfers with zero connectivity.
Hardware-level encryption and multi-factor biometric authentication — PCI-DSS, GDPR, and AML/KYC compliant.
2.5% transaction fees, $5/month premium subscriptions, and 1.8% issuing fees for financial institution partners.
The same four steps whether the subscriber has full signal or none at all — that's the point of building the wallet into the SIM.
The wallet lives on the SIM/eSIM itself, not in an app that needs a live connection.
NFC tap, QR scan, or an online payment — the subscriber's device decides which is available.
Biometric check plus hardware encryption runs on-device — no network round-trip required to authorize.
Instant if online; queued and synced automatically the moment connectivity returns.
The digital cash system itself — multi-currency support, offline transactions secured by distributed ledger technology.
Standardized REST APIs and SDKs that connect to your existing systems — NFC, QR, and legacy banking rails supported out of the box.
Biometric onboarding on a modular, low-code platform, so you can plug in third-party services without a rebuild.
The entire path from getting the SIM to completing a transaction is designed to remove friction, not add a form.
Customer obtains a KOSMORelay-enabled SIM/eSIM through retail partners, online platforms, or digital marketplaces.
Seamless digital install via the SuperApp or embedded SIM toolkit — the subscriber keeps their existing number and carrier relationship.
KYC with 256-bit encryption for data stored in the SIM's secure element — multi-factor identity verification in under 3 minutes.
Immediate cross-platform use via NFC, QR, and offline payments — integrated with financial service providers worldwide.
Cash still dominates globally, but digital payment methods are growing fast. SIM-based solutions sit at just $0.2T today — the smallest slice of a massive market, and exactly where KOSMORelay Cash is built to grow.
Secure offline payments without network connectivity, enabling commerce even in remote locations.
Gate-less ticketing technology dramatically improves passenger flow while maintaining full security.
Secure access to government services and document management with patented digital ID.
Leverage existing infrastructure to deliver offline payment solutions that bridge digital divides in emerging markets.
Transaction fees, premium features, merchant partnerships, and data analytics services.
Superior payment experiences reduce churn by up to 25% and boost customer lifetime value.
Schedule a demo of KOSMORelay Cash for your network.