Phase one
Local wallets first: Sham Cash, MTN Cash, and Syriatel Cash with merchant management and compliance files.
This foundational build focuses on the core: merchant onboarding, KYC, planned local and global payment methods, API, invoices, hosted checkout, webhooks, and legal/technical go-live readiness.

Local wallets first: Sham Cash, MTN Cash, and Syriatel Cash with merchant management and compliance files.
Card rails via sponsor bank/acquirer: Visa and Mastercard through unified integration interfaces.
Future optional global connectors such as PayPal and Stripe if the legal and operational path becomes viable.