Mautinoa Technologies | Redefining Bankable

THE PROBLEM

In conditions of poor infrastructure existing digital payment platforms fail. When the network is intermittent, people are denied access to all digital means of payment when they need it most. This negates all the advantages of digital finance, because money that is inaccessible is useless. In conditions following a disaster like a storm, even the wealthiest are reduced to the cash in their pockets until the infrastructure is restored.

NOW

As of 2019, no digital payment solution can securely handle conditions of intermittent network availability without incurring significant liability for financial institutions, or limitations to the user. Blockchain based solutions offer security and transparency but don't work when the network is down. Conventional credit and debit cards offer limited use for a limited number of uses but financial institutions need to cover significant risks from offline transactions. Mobile Money simply doesn't work at all when the mobile phone network isn't functioning or is heavily congested.

HOW

Our founders experience in disaster management and our team members experiences of living and working in developing world and middle income countries has informed much of the usability and workflow design of the Mautinoa Patronus platform. Our combined experience of over a century in computer security, secure design, cryptography, language theoretic security and cyber warfare has informed the underlying technical design and implementation of the platform. We blend the most useful ideas from the worlds of blockchain and secure design to produce a hybrid platform able to deliver cryptographically secure payments and ledgers that also can transact offline with minimal infrastructure requirements (smart cards and a NFC enabled smartphone with some battery in airplane mode) in the field.

Our Business Model

Mautinoa Technologies has a very simple business model aimed at ensuring local partners can build sustainable and rapidly scalable businesses. For those operating in truly frontier markets, we offer competitive licence fees based on network throughput, with low up front implementation cost enabling low costs for entrants to high risk markets. For more mature markets, a simple per end user licence fee ensures incumbents can easily integrate our technology and its unique capabilities with their existing platform portfolio with easy to comprehend cost implications.

Mautinoa Technologies provides an end to end, disaster resilient, secure, last mile digital payments solution.

"THE WORLD PREFERS CASHLESS PAYMENTS OVER PHYSICAL CURRENCY. THE DEVELOPING WORLD AND THOSE COUNTRIES FREQUENTLY AFFECTED BY CRISES, DISASTERS AND EMERGENCIES ARE CUT OUT OF THE ADVANTAGES OF GOING CASHLESS BECAUSE OF UNRELIABLE INFRASTRUCTURE. EVEN IN DEVELOPED COUNTRIES, PAYMENT INFRASTRUCTURE FAILURE CAN RESULT IN SEVERE DISRUPTION TO COMMERCE. MAUTINOA TECHNOLOGIES HAS DEVELOPED A SUITE OF TECHNOLOGIES DESIGNED TO MAKE RESILIENT DIGITAL FINANCE A REALITY, OPENING UP LAST MILE DELIVERY OF DIGITAL PAYMENTS AND FINANCIAL SERVICES TO THE ROUGHLY 3 BILLION PEOPLE ON EARTH WHO ARE FORCED TO DEAL IN AND HORDE CASH BECAUSE OF VULNERABILITY TO NATURAL DISASTER, POOR INFRASTRUCTURE AND OUTDATED PREDATORY BANKING PRACTICES. TOGETHER WITH OUR PARTNERS WE AIM NOT TO JUST BRING THE ADVANTAGES OF DIGITAL FINANCE TO COMMUNITIES BUT TO MAKE THEM GROW FASTER VIA EASING THE MOVEMENT OF MICRO-CAPITAL AND MORE RESILIENT IN THE FACE OF NATURAL DISASTERS VIA FEATURES THAT ALLOW GOVERNMENT AND NGOS TO RESPOND TO EMERGENCIES IN MUCH FASTER AND MORE COST EFFECTIVELY THAN EVER BEFORE WHILE PRESERVING THE DIGNITY AND ECONOMIES OF PEOPLE AFFECTED BY EVER MORE FREQUENT CRISIS"

- Emerson Tan, CEO of Mautinoa Technologies.