ALL Your Finances in One Place

We are building next-generation, one-stop platform to provide Social Trading & Exchange, P2P Financial Service, Payment Getaway, Tech Incubators/Tech starter club that enhances
overall financial inclusion for sustainable development.

Financial products for Unbanked and underbanked

MeroKhata’s digital and transparent services are not only attractive for the banked population, but they can also deliver financial inclusion solutions for unbanked and underbanked globally, thereby creating a unique cross-border platform which can serve the entire population.

Facilitating low-cost Currency Exchanges

Enabling to send money across borders quickly, for a fraction of the current costs. Our platform will be powered by our members who are working overseas and wants to remit money back home, thus by providing best foreign exchange (FX) rates every time members utilize MeroKhata.

Investments for sustainable development

Referring products that enables members to directly participate in sustainable development of their country’s economy. We will facilitate the transfer of funds across borders and directly invest in sustainable development project giving them higher yields for their investment.

Open API for our community of developer

Opening developer to create the next generation App for solving their country’s biggest financial and economical challenges. Our developer SDK and Open API with integrated biometric
and artificial intelligence services will accelerate the growth of the digital innovation.

PROJECT "LANIAKEA"

Word Laniakea is Hawaiian and it means "immeasurable heaven"; lani for heaven + akea for immeasurable or spacious. Merokhata platform will be built out of a series of software modules, each module having a key function in delivering the services. You will be able to track your income & expenses, exchange & transfer funds no matter where you are.

Mero ID

A key aspect of MeroKhata is how it handles the identity and data of individuals, how it evolves over time for an individual, and how an increased degree of certainty allows for additional services to be used and restrictions reduced.

The account and know your customer module contains the customer and account data. This includes the data, process and workflows for identity verification services including; identity documents, proof of address, validation records and proof of funds data.

The module will also interact with multiple internal and external data sets to process various risk, fraud and AML checks. All accountholder information will be encrypted and suitability test carried out where applicable.

A unique digital ID is created and stored on the distributed environment, in
representation of an identity. The user is issued a keypair, with the private key stored on their device. The user can associate additional devices, for which separate keypairs will be generated.

Identity data and identity verifications are stored in decentralised environment, associated with the ID. This data is encrypted and accessible solely to the owner of the identity, as identified by one their private keys. Users can also choose to selectively grant access to specific elements, essentially  creating a permissioned access to their identity data and accounts.

The primary approach to assert a Digital ID is the capture and processing of biometric data, primarily facial recognition with liveness detection and multivariate voice analysis. These allow us to provision a new account to any individual, so they can start using basic services without requiring a long winded registration process.
Given current technology, face and voice recognition are not enough to guarantee a 100% unique match. They are then complemented via fuzzy matching of additional signals and other forms of identity validation.

Within MeroKhata, users help validate the identity of other users. Every user who has gone through the whole identity validation process can vouch for other users in the platform, thus helping validate their identity. Whenever available and authorised by users, additional validation is also performed by analsing social graph information.
In addition to biometrics and peer validation, to gain access to more services and remove restrictions, users will be required to offer multiple methods of proving their identity, such as by providing additional documentation or, where available, Electronic ID Verification mechanisms. Some participants in the MeroKhata platform also have means of verifying the identity of the people they bring aboard, which can be used to enhance MeroKhata’s level of trust in any given identity. All of these solutions together work to form the MeroID of the account holders, and ensure they are legitimate.

Mero wallet

MeroWallet, main consumer offering is a multi-currency wallet that provides instant, easy access to the MeroKhata payments network and supports a variety of consumer payments use cases.
MeroKhata users will be able to make instant, secure transfers to their peers who hold MeroWallet. Transfers will be instant and low-to-zero fee (depending on the users’ Trust Scores and currency selections).
MeroKhata users will be able to pay for the goods and services sold by MeroKhata-powered merchants, and will receive discounts from such merchants (subject to having high Trust Scores).
MeroKhata users will be able to use their MeroWallets as de facto bank accounts for the purpose of holding funds in both digital and fiat currencies. In the first instance funds can be deposited into MeroWallets using card, bank wire, Paypal etc
MeroKhata users will be able to use their wallets to move funds from one currency to another by posting market or limit orders to MeroKhata’s exchange.

Mero Exchange

MeroExchange module will enable the movement of funds between multiple currencies and calculate and manage foreign exchange rates. This module will also interact with the MeroBudget module to process movement of funds to external bank and card network accounts, including the calculation or any relevant fees.

Powerful data gathering from social media, reliable news websites and gossip website.

Multi approach data analysis – simple rule basis, human-sense basis and AI-basis.

All-in-One Dashboard

Mero Budget

MeroBudget allows you to track your personal expenses on the go and is very simple to use. It will give you a better picture of what you are spending your money on.

You can use mobile photos and geo-location to input cash transactions like coffee or a beer, or add additional details like photo receipts, bills and invoices to help you track your transactions. You can also set up budgets for each category, see your balances and view your transactions. The app ensures all your bills are automatically detected and in the one place. Plus, you get notified when bill payments are coming up and if you have enough money to cover them.

You can also separate your spending into categories like “needs” and “wants” to identify areas where you can rein in your spending and start saving.
With MeroBudget you can receive reminders by e-mail and notifications in-app about your bills on due.
Stay on top of everything you’ve spent in the month, the remaining balance available and the outstanding payments.
Set goals for your expenses, according to how you pretend to save or even plan new expenses.
Know where you are spending more than the ideal, set new goals to spend less and save more.
Categorizing your expenses is crucial for understanding which points are being critical to your budget.
Know your bills, how the frequency of them and how you can plan it in the best way.
Countries
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What Clients Say

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PROJECT "LANIAKEA"

Word Laniakea is Hawaiian and it means “immeasurable heaven”; lani for heaven + akea for immeasurable or spacious. Merokhata platform will be built out of a series of software modules, each module having a key function in delivering the services. You will be able to track your income & expenses, exchange & transfer funds no matter where you are.
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