Know exactly where your cash and float stand.
Finnotes is the mobile-first management platform for mobile money businesses. Record transactions, track physical cash and electronic float separately, reconcile your day, and understand your real revenue — from your phone.
Finnotes at a glance
as of todaySSP 2.4B+
Processed through Finnotes
50K+
Transactions recorded
300+
Agent businesses onboarded
< 10s
Average time to record a sale
Trusted across South Sudan
Recording daily on the networks agents already run —
MTN Mobile Money
Recorded out of the box
Zain Money
Recorded out of the box
Any other operator
Via the generic provider
Live agent tape · who is recording tonight
Finnotes live
One screen, every balance, all caught up
Cash and float stay separate, expected meets actual, and every entry lands in a ledger you can actually read — on the phone you already carry.
Finnotes · Branch dashboard
Live
The problem
The notebook worked. Until it didn’t.
A mobile money point is cash in, cash out and float — moving fast. This is one agent’s real end-of-day close, told in the numbers it produced.
End-of-day close report
Till 03 · Saturday 21:47
| Check | Expected | Found | Δ |
|---|---|---|---|
| Cash on hand | 650,000 | 585,000 | −65,000 |
| Customer deposits | 27 | 24 | −3 |
| Closing runtime | 15 min | 62 min | +47 min |
| Shortfall detected | day 2 | day 13 | +11 days |
| Shift handovers | 6 | 0 | −6 |
| Proven revenue | 45,000 | ? | n/a |
On paper, everything balanced
report cannot close
What the numbers don’t say
6 losses- 01
Cash and float get mixed
The float you bought sits in the same drawer as your cash, so the report shows cash short wherever the float over-covers it.
- 02
The notebook has no memory
Three deposits never made it into the book today. One lost page later, and that count is gone for good.
- 03
Closing takes an hour a day
Counting and re-adding the same figures every evening, from memory — an hour stolen from every single day.
- 04
Losses surface weeks later
The shortage existed on day 2. Nobody could see it until day 13, when no one could retrace whose shift it was.
- 05
No per-agent accountability
Six people shared the till across the week and none signed it over. “Who handled that phone?” has no answer.
- 06
Revenue is a guess
Commissions, fees and expenses never land in one place, so the real bottom line is a blank cell at close.
Finnotes was built to make each of these the exception, not the daily routine.
Notebook vs Finnotes
Same business. Different evening.
Five things every agent does — and what each one costs you on paper compared to the platform.
Task ledger
On paper
With Finnotes
Task ledger · paper vs platform
Prove what happened at 4 p.m.
On paper
Flip through pages and trust the scribble.
With Finnotes
Immutable entry, tied to the agent and the shift.
Close the day
On paper
An hour of re-adding the same figures.
With Finnotes
A two-minute expected-vs-actual check.
Catch a 50,000 SSP shortage
On paper
Discovered eleven days later, if at all.
With Finnotes
Flagged the moment you close the shift.
Keep cash and float apart
On paper
One drawer, one number, two meanings.
With Finnotes
Two balances, per currency, never mixed.
Know what each branch earns
On paper
Add it up yourself — once a month, maybe.
With Finnotes
Daily, weekly and monthly reports, per branch and agent.
Same till, same day, same agents
notebook → platform
Who Finnotes is for
One phone, one point — or a whole network
Finnotes fits a single agent running their own drawer, and it scales from there without changing how entries are recorded.
01
The single point
One agent, one phone, one drawer. Finnotes turns your evening closing check into a two-minute routine and your history into something you can actually look back on.
02
The growing network
Two, three, five points with different agents. Each branch keeps its own balances and history, while everything rolls up into one business-wide overview.
03
The agency
You oversee the money but never touch it. Read every branch, see which one earns and which branch moves the volume — without recording a single entry.
Fine print
Explore Finnotes
Every piece of your business, explained
Browse each part of the platform — or jump straight in and open a branch.
Platform
- 01Record transactions in secondsDeposits, withdrawals and float purchases in a few taps.Open
- 02Reconcile dailyClosing checks that catch the discrepancy before it becomes a loss.Open
- 03Know your revenueCommissions, fees and expenses — daily, weekly and monthly.Open
- 04Run multiple branchesOne overview for many points — with per-person accountability.Open
- 05Security & auditFinancial data that is protected and accountable.Open
Daily rhythm
Shift in, transact, cash up, reconcile.
Every agent starts a shift with the cash and float they actually hold. During the day they record transactions as they happen. At closing they enter what is really in the drawer — and Finnotes instantly shows whether it matches. No more guessing who lost the 50,000 SSP.
- Per-agent shift accountability
- Expected vs actual cash and float
- Instant discrepancy flags
- Immutable, audit-ready history
Expected
OpeningActual
ClosingCash shortage found
Difference of 50,000 SSP detected
What changes
Your first week on Finnotes, in four numbers
The point of the platform is not a fuller notebook. It is a quieter evening, a cleaner drawer and a business you can actually see.
01
Transactions in seconds
A deposit, withdrawal or float purchase is recorded in under ten seconds, and every balance updates instantly.
02
Closings in minutes
Expected vs actual is computed for you. A discrepancy is flagged the moment you close — not discovered months later.
03
Losses caught early
The 50,000 SSP shortage shows up tonight, while the shift is still traceable and the money might still be recoverable.
04
Books you can trust
Immutable history, reversals instead of deletions, and an audit log you can review. Goodbye, scraps of paper.
Trusted by agents
Agents who stopped guessing
Every quote is filed like the entries they record — dated, stamped and signed.
Receipt · 01
Juba · verified entry“I used to trust my notebook. Now I know exactly what my cash and float should be at any moment — and what went wrong when they are not.”
Adut A.
Mobile money agent · Juba
0
Unexplained shortages
Receipt · 02
Wau · verified entry“Reconciliation used to take me an hour at the end of every day. With Finnotes it is a two-minute check at closing, every single evening.”
Kostana M.
Branch · Wau
−58 min
Time spent closing
Receipt · 03
Juba · verified entry“I run three points and I can finally see which branch earns, which agent moves the most volume, and where my money actually is.”
Bonifacio O.
Agency · Juba
3 / 3
Branches visible
Built so the books stay trustworthy
Four guarantees
History cannot be rewritten
Completed transactions are immutable. No edit, no silent delete.
Corrections, not deletions
Mistakes become documented reversals with compensating entries.
Roles enforced server-side
The agency reads everything; each branch runs only its own books.
Every action in an audit log
Sign-ins and money movements, written down and reviewable.
Pricing
Ten dollars a branch. That's the whole model.
No monthly tiers. No per-user fees. No setup costs. An extra branch just adds another $10.
Every branch, one flat price
$10/branch/mo
Pricing slip · per branch
Flat rateTotal
one flat price, every branch
FAQ
Questions, answered
01Is Finnotes a mobile money wallet?
No. Finnotes records and reconciles the mobile money business you already operate. It never executes transactions with telecom providers — it is the management, accounting and reporting layer that sits alongside your operations.
02Which providers does it support?
MTN Mobile Money and Zain Money out of the box, plus a generic provider. The platform is built around a provider abstraction, so adding a new mobile money operator in any country in future is a configuration change, not a rewrite.
03What happens if my internet connection drops mid-transaction?
The app is designed for unreliable connectivity. Transactions use idempotency keys, so retrying a request never creates a duplicate entry. PWA support, local caching and a clear network indicator are built into the product vision.