Corporate

Payroll and suppliers, across borders

Run payroll and supplier payments across borders from one approved file, with every payment returned to your ledger.

Where it stops today

Unbanked staff are paid in cash that has to be counted, carried and trusted.
A supplier across the border waits on correspondent hours or a cash courier, and the invoice lands short of the amount sent.
Every run is reconciled twice, in the bank and in the ledger, and the trade settles with no record either side can audit.

What changes

Value, measured your way: execution success rate, time to payee, settlement time, amount landed versus amount sent, reconciliation time, and cost per run against the correspondent or courier baseline.

Pay every worker

In the wallet or account they already hold, or on a basic phone where they hold neither.

KPI: execution success rate; time to payee.

Settle every supplier

Between verified businesses, targeted for same-day settlement, subject to the licensed partners, network and corridor, kept as digital money or paid out through the licensed partner at its rate.

KPI: settlement time; amount landed versus amount sent.

Run finance normally

Bulk upload, two-person approval, the settled run back per payee and per invoice in camt.053, camt.054, MT940, BAI2 and CSV.

KPI: reconciliation time.

How a payment run works

Five steps, from the payroll file or the invoice run to the payee.

Payroll file or invoice runLeaves your finance system and is validated row by row.
ApprovalTwo people approve the run before anything moves
SaleemEach payment is screened, routed and recorded
Worker's wallet or supplier's accountThe payee holds the value where they already bank, or on the phone in hand.
Spend, settle onward, or cash outAt a merchant, to a supplier, or through the licensed partner.

Who keeps what

The structure, not a projection.

The employer and the buyer keep the relationship, the contract and the obligation.
Business counterparties are verified as businesses.
The financier is a licensed partner; Saleem writes the schedule into the rail and records every release. Saleem extends no credit and charges no interest.

Saleem charges no fee to sender or recipient; FX conversion applies where currencies convert, at the licensed partner's rate. Institutions pay Saleem.

What finance keeps

Who does what, and who answers for it.

Approval rights

Two people approve every run. The approval sits with your people, in your sequence, and is recorded with the payment.

Employment obligations

Wage and employment obligations stay with you. Saleem executes the run you approve and does not become the employer of record.

Regulated activity

Licensed partners perform regulated money movement, custody, conversion and payout as required in each jurisdiction. Saleem provides instruction validation, screening orchestration, routing, records and reconciliation under the agreed operating model.

Custody

Recipient balances are to be held by a licensed custodian and accessed through Saleem's interfaces; keys do not sit on the handset. This is the target operating model at launch.

Reconciliation

The settled run returns per payee in your own formats: camt.053 and camt.054, MT940, BAI2 and CSV.

What exists today

Six client surfaces are built and demonstrable against mocked services. The production backend, licensed-partner connections and independent security testing remain pre-launch work.

Saleem corporate console dashboard: treasury, invoice GMV, managed payees and payout channels, demo data — Corporate console: treasury, payouts and managed payees

Saleem desktop console: treasury export format list with camt.053, camt.054, MT940, BAI2 and CSV — Treasury export in bank formats

Six client surfaces are built and demonstrable against mocked services. The production backend, licensed-partner connections and independent security testing remain pre-launch work.

Bring us a payment run, a trade lane or a supplier programme

Tell us who you pay, where they are and what your ledger needs back, and we will walk the run end to end.

Talk to the team

Designed next

Finance the supply chain

An invoice settled now by a licensed financier and repaid by the buyer in instalments, each release and each repayment executed by the contract and written to the record.

Designed, pre-launch. KPI: days payable extended; days sales outstanding reduced; instalments executed on schedule.

Questions partners ask

What is live today, what is designed but not built, and can we audit it and export to our bank? How does Saleem make money, and what does the recipient pay? Is it secure, and what happens when a handset is lost, shared or taken, or when the network is down? Can payments be programmed, and can a business hold the digital money?

All twelve questions