Unlike traditional banking which treats all transfers as simple "A to B", Nodency enforces specific Business Logic based on the relationship between the sender and receiver. This ensures compliance, prevents fraud, and enables programmable money.
The foundation of the informal economy. Used for trade, remittances, and agent withdrawals.
Funds are locked in a contract until the Buyer biometrically confirms receipt of goods or cash.
Buying vegetables, sending money to family, withdrawing cash from a K-Node.
Used for contributing to collective pools like Chamas, SACCOs, Churches, or paying Taxes.
The protocol rejects any transfer that does not attach a Reference ID (e.g., Tax PIN or Member Number), ensuring automatic reconciliation.
Paying Monthly Chama Dues, Paying Market Cess, Tithes.
High-volume outgoing payments from an organization to many individuals.
Smart Contracts process hundreds of payments in a single transaction block, reducing network congestion and creating a clean audit trail.
Salary Payroll, Dividend Payouts, Social Relief Aid.
Programmable Money for Governments and NGOs. Ensures funds are spent exactly as intended.
Funds tagged with a category (e.g., "HEALTH") can ONLY be sent to wallets whitelisted for that category (e.g., Hospitals). Diversion is impossible.
National Budget Allocation, NGO Grant Management.
Supply chain and B2B settlements. Linking the flow of goods to the flow of money.
Every payment must reference a cryptographic hash of a specific Invoice or Purchase Order, creating an unbreakable audit trail.
Supermarket paying a Supplier, Distributor paying a Factory.
This is the regulated gateway for turning your digital $KASH into local cash or e-money (like M-Pesa). It is structured to maintain Nodency's non-licensed status by segmenting compliance work.
The Field Agent uses the app to capture and log the required regulatory data (KYC/AML) for this transaction. This data record is necessary for the Licensed Partner to legally execute the final fiat payout off-chain.
Cashing out digital funds, funding your digital wallet with physical cash, or performing a regulated remittance withdrawal.