Inclusion by design
Start on USSD or SIM Toolkit, move to a feature phone or smartphone later, and keep the same verified account and transaction history, including payments received from abroad.
In her own name, opened by a payment she was owed, still working when the programme ends.
Three steps, one account, one number.
For many recipients the wallet that receives a first humanitarian payment or government stipend is the first account held in their own name. Where a wallet exists, Saleem connects to it; where none does, the first payment opens one. 12 million Pakistani households are now paid to SIM wallets (Press Information Department, June 2026).
Press Information Department, Government of Pakistan, June 2026, for the households paid; the transition to SIM-linked wallets as reported; Saleem is not a party to it.
Basic phone to feature phone to smartphone, same wallet, same number, nothing to open again; remittances, merchants, and value held in a stable currency where the local framework permits.
Every payment in and out is screened and recorded against the same number, so the record compounds. A person who started with one programme payment can show a history of her own: the thing that opens the next account, the loan, or the merchant relationship.
ONE ACCOUNT · ONE NUMBER · ONE RECORD, COMPOUNDING
The enabling mechanism, subordinate to the journey.
The humanitarian rail recovers cost rather than generating revenue. The ring-fenced Humanitarian SIM Allocation Fund receives a fixed share of commercial account setup fees plus 100% of any incidental yield, and funds provisioning and starting credit for humanitarian-priority SIMs. Saleem takes no yield on customer balances. Riba-free by design.
A Saleem programme design. No figure is claimed for it, and nothing is live.
In Syria, 51 cents of every aid dollar spent in 2020 was diverted through the distorted exchange rate, at least $100 million across 2019 and 2020 in UN procurement alone, under the previous regime. Delivering cash assistance digitally, auditable on-chain, with no Saleem fee to sender or recipient and FX conversion applying where currencies convert, is the clearest single statement of what this platform is for.
CSIS, How the Assad Regime Systematically Diverts Tens of Millions in Aid, October 2021.
More recipients reached without a second programme rail.