The questions we are asked

A corridor opens only when licensed partners, permissions, banking access and operating controls are in place at both ends. If one proposed partner does not progress, launch in that corridor pauses while another qualified partner is diligenced and integrated; it is not an automatic substitution.

Last reviewed: 21 September 2026

Broad US sanctions on Syria changed materially in 2025 and 2026, but designated persons, entities and other US, UK, EU and local restrictions remain relevant. Every corridor and counterparty requires current legal and compliance review. The dated position is on the compliance page.

Last reviewed: 21 September 2026

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. The phone holds nothing: the balance is shown on it under the person's number, or the payment goes into the wallet they already have, through a licensed partner.

Keys never touch a device; every party is screened; every transaction is recorded; the account is the phone number, protected by a PIN, so a replacement SIM on the same number restores access after identity re-verification, and on a shared phone the balance stays invisible and immovable without the PIN. When the network is down, nothing is executed offline: a payment request is held as a pending payment, and the recipient approves it from the USSD menu when the signal returns.

Mobile money already reaches the basic phone, one operator and one currency at a time; Saleem connects to it, brings value from any treasury into those wallets, and gives the payer a console and a file.

Where the operator already runs a wallet, nothing on the handset: Saleem pays into that wallet through a connection between the two systems, and the operator's own menus do the rest. Where it does not, the operator routes a short code to Saleem.

At the counter by phone number push or QR; a customer who is not at the counter can be charged by push to their number; refunds in the same flow; settlement to the merchant's wallet. Charging by a link you send, and settlement to a bank account, are designed, pre-launch.

Yes. A payment can be held until a date or a condition is met; an invoice can be held until both parties sign; a supplier can be paid on an instalment schedule. Every rule leaves its own record. Instalment finance is designed and pre-launch, provided by a licensed partner; Saleem extends no credit and charges no interest, riba-free by design. Where the local law allows it, a verified business holds the digital money and pays onward; where it does not, the business is paid in local currency through the licensed partner. Saleem never faces an individual holding the token.

Institutions pay: a fee for each payment delivered, a fee on money moved between licensed institutions (including business payments and supplier instalments), software licences, and a fee where a merchant is paid on Saleem. The exchange rate is the licensed partner's. No income from holding balances; riba-free by design. Saleem charges no fee to sender or recipient; FX conversion applies where currencies convert, at the licensed partner's rate. Institutions pay Saleem. At cash-out a licensed partner or agent pays out, and the transaction is screened and recorded like any other.

Six client surfaces are built and demonstrable against mocked services. The production backend, licensed-partner connections and independent security testing remain pre-launch work. No customer funds move on the platform today. Every disbursement has two-person approval and an exportable trail; camt.053 and 054, MT940 and BAI2.

Last reviewed: 21 September 2026

No one yet; the first pilots, with licensed partners on both ends, are the milestone this round funds. Each pilot reports cost-transfer ratio (the cost of delivering each dollar), time to recipient, execution success, traceability, leakage and coverage by handset, with the denominators printed.

Three kinds exist: platforms that move funds from headquarters to local partners; wallets that pay households, including one already used by UN agencies in the region; and each agency's own closed system. Saleem sits between them: one screen for the payer, money moved between licensed institutions, delivery into whichever wallet or account the recipient holds, and one report in the measures you use.