What CICO PostPay Is Being Built For

CICO PostPay is a planned B2B payment infrastructure layer for institutions, account-servicing entities, merchant acceptance, agent access, and payment orchestration. It is currently in development.

What CICO PostPay is

CICO PostPay is planned institutional payment interoperability infrastructure for financial institutions and account-servicing entities. It is not a consumer wallet. CICO Cash is the consumer and merchant wallet experience; CICO PostPay is the planned institutional infrastructure layer that complements it.

The problem it addresses

Agents, merchants, institutions, and service channels often run on separate operational layers. As networks grow, that fragmentation adds operational complexity. Institutions need a way to coordinate agent and merchant access without rebuilding every integration from scratch.

The planned approach

CICO PostPay is designed as an interoperability layer that coordinates institutional participants across CICO rails. It is prepared as an infrastructure layer and currently in development.

Who it is being built for

• Financial institutions: banks and other institutions seeking payment interoperability.
• Account-servicing entities: entities that service accounts and need payment orchestration.
• Institutional partners: partners building on shared payment infrastructure.
• Large organizations: organizations that need payment orchestration at scale.
• Service networks: public or private networks that coordinate payments across many points.

Planned interoperability areas

Planned areas include agent interoperability, merchant interoperability, financial institution interoperability, ATM interoperability, CICO ecosystem connectivity, payment gateway with escrow, and account-servicing infrastructure. Each capability is planned and in development. Scope and availability may vary and are subject to partner and product approvals.

Availability

CICO PostPay is being prepared as a planned B2B infrastructure layer. Availability, participating partners, and product scope will be confirmed after approval.

Discuss partnership access

Are you a financial institution, account-servicing entity, or institutional partner interested in CICO PostPay? You can register your interest and the team will follow up as availability opens. Register Interest