Core Value Set: We do not require a prospective user to be banked with any specific bank or even to have a bank account if they want to have a wallet with us. We do not require a prospective user to be subscribed to any specific operator; as long as the handset has connectivity to any mobile operator it will be functional on our platform. We have developed multiple access channels to our platform that will allow even the most basic handset to transact, the access channels include ; SMS, USSD, WAP, MOBI, APP and Internet.