The Songhai Exchange Platform (“SHE”)  is the technology platform of CSL Pay in which clients of CSL Pay interact directly with the Firm. Remittance services are facilitated via API integration with Banks, leveraging operational support, including payment processing, KYC, screening, ongoing monitoring and record keeping. SHE is a Pan-African payment network that facilitates bank transfer, cash pick-up, mobile money and bill payments across Africa. By disintermediation ofpayments into and within Africa, SHE reduces costs, shortens transaction times, and removes the need for a ‘middleman’. SHE facilitates money remittances across distinct service lines:

1. Airtime – Faster, more cost-effective payments by connecting customers to local mobile network operators for payout.
2. Bills Payment – A single access point that allows customers to virtually pay bills from abroad directly to providers.
3. Mobile Money – A channel for paying into beneficiary accounts across countries in Africa.
4. Cash pickup at numerous collection points in partnership with local providers and operators of Songhai Exchanges network.
5. BankTransfer – Traditional directly connectivity to local banks for beneficiary payment at affordable transfer rates without the need for a ‘middleman’; and
6. Disbursement for Aid agencies – Manage, track and disburse funds to chosen NGO Aid organisations across Africa.