CICO PostPay
Institutional payment interoperability infrastructure.
A planned B2B payment infrastructure layer for institutions, account-servicing entities, merchant acceptance, agent access, and payment orchestration.
Institutional partnersAgent interoperabilityMerchant interoperabilityEscrow and account-servicing infrastructure
CICO PRODUCTS
The CICO product family.
CICO Cash serves people, merchants, and agents. CICO PostPay is the planned institutional infrastructure layer.
Consumer + merchant wallet
CICO Cash
Consumer wallet, merchant payments, and agent cash access for individuals, merchants, and agents.
Institutional infrastructure
CICO PostPay
Institutional payment interoperability infrastructure for financial institutions and account-servicing entities. Not a consumer wallet.
THE PROBLEM
Institutional payments are fragmented.
Agents, merchants, institutions, and service channels often run on separate operational layers. As networks grow, that fragmentation adds operational complexity.
1
Institutional challenge
Payment operations are fragmented
Agents, merchants, institutions, and service channels often sit in separate operational layers.
2
Institutional challenge
Institutions need coordinated access
Institutions need a way to coordinate agent and merchant access without rebuilding every integration from scratch.
3
Institutional challenge
Cash, account servicing, and digital payments need one operating layer
Cash access, account servicing, escrow flows, and digital payments require controlled infrastructure and clear operational rules.
THE APPROACH
An interoperability layer that connects the pieces.
Designed to coordinate institutional participants across CICO rails. Prepared as an infrastructure layer and currently in development.
01
Institution / account-servicing entity
The participant that defines the payment use case.
02
CICO PostPay interoperability layer
Designed to coordinate participants and flows.
03
Agent network
Intended to support agent cash access points.
04
Merchant acceptance
Intended to support merchant payment acceptance.
05
ATM / cash access
Planned coordination with ATM and cash access.
06
CICO ecosystem rails
Prepared to connect with the wider CICO ecosystem.
FOR INSTITUTIONS
For institutions and account-servicing entities.
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.
Public / private service networks
Service networks that coordinate payments across many points.
MERCHANTS
Merchant interoperability for institutional payment programs.
Planned merchant interoperability designed to support institutional payment programs, subject to partner and product approvals.
Merchant acceptance
Payment confirmation
Digital receipts / reporting
Merchant onboarding workflows
AGENTS
Agent interoperability for cash access and service points.
Planned agent interoperability designed to extend cash access and service coverage, subject to partner and product approvals.
Agent cash-in support
Agent cash-out support
Local service coverage
Agent operations
PLANNED COVERAGE
Planned interoperability coverage.
Each capability below is planned and in development. Scope and availability may vary and are subject to partner and product approvals.
Agent interoperability
Designed to connect agent networks across participating systems.
Merchant interoperability
Intended to let merchant acceptance work across connected providers.
Financial institution interoperability
Planned connectivity between participating financial institutions.
ATM interoperability
Designed to extend interoperability to ATM access points.
CICO interoperability
Intended to bridge CICO Cash flows with institutional participants.
Payment gateway / escrow
Planned payment gateway with escrow and account-servicing infrastructure.
Account-servicing infrastructure
Designed to support account-servicing for institutional partners.
PARTNERSHIP
A partnership model.
The planned partnership brings together:
CICO Cash
La Poste de Djibouti
PLANNED CHANNELS
Planned access channels.
Planned ways institutions and participants are intended to access CICO PostPay.
Mobile apps
Planned access through mobile applications.
USSD
Planned access through USSD for low-bandwidth reach.
Call center
Planned support and access via call center.
Website
Planned access through the web.
CONTROLS
Designed with controls at the center.
Planned access and review controls intended to support institutional operations.
Access controls
Planned access controls for participants and operators.
Participant verification workflows
Planned verification workflows for participants.
Transaction review practices
Planned transaction review practices.
Data protection practices
Planned data protection practices.
Operational audit trail
An operational audit trail is planned.
HOW IT WORKS
How CICO PostPay is planned to work.
A planned implementation outline. Each step is subject to partner and product approvals.
STEP 1
Define the use case
An institution defines the payment use case.
STEP 2
Review requirements
Partner and participant requirements are reviewed.
STEP 3
Configure flows
Agent, merchant, and account-servicing flows are configured.
STEP 4
Connect channels
Channels are connected.
STEP 5
Monitor flows
Transactions and servicing flows are monitored.
FAQ
Frequently asked questions.
What is CICO PostPay?
A planned B2B payment interoperability platform for institutions and account-servicing entities.
Is CICO PostPay a consumer wallet?
No. CICO Cash is the consumer and merchant wallet experience; CICO PostPay is planned institutional infrastructure.
Who is CICO PostPay built for?
Financial institutions, account-servicing entities, institutional partners, and large organizations.
What interoperability areas are planned?
Agent, merchant, financial institution, ATM, CICO ecosystem, escrow / payment gateway, and account-servicing infrastructure.
Does CICO PostPay support merchants?
Merchant interoperability is planned.
Does CICO PostPay support agents?
Agent interoperability is planned.
Is CICO PostPay available now?
No. CICO PostPay is being prepared as a planned B2B infrastructure layer. Availability, participating partners, corridors, and product scope will be confirmed after approval.
How can an institution discuss access?
Use the partnership inquiry section below. The form is not active yet, so no information is submitted until it is enabled.
PARTNERSHIP ACCESS
Request partnership access.
Are you a financial institution, account-servicing entity, or institutional partner interested in CICO PostPay? Register your interest and the team will follow up as availability opens.
Request partnership access
Request Partnership AccessInstitutional inquiries are collected through the CICO interest form. No data is sent from this page.
CICO PostPay
Ready to discuss institutional payment interoperability?
Explore CICO PostPay as a planned B2B infrastructure layer for institutional partners, agent networks, merchant acceptance, and account-servicing workflows.