Commerce
Consumer marketplaces, retail, social selling
Transaction take-rate · 2.5% / 1.8% / 1.2%
Every edition is the same sovereign platform, typed for a purpose — it boots only the layers it needs. This is the Commerce story, layer by layer.
Settlement & wallets Enabled
ZMW wallets, escrow and real-time settlement on the sovereign USN ledger — money that moves and clears in one place.
Citizen portal Public app
Identity, wallet, payments and discovery for every individual — a sovereign front door, no passwords transmitted.
Merchant portal Public app
Stock, scan, processing, network and finance for businesses, over a real per-merchant asset engine.
Commerce & storefront Public app
A national marketplace — reserve certified stock, hold it in escrow, deliver it, and settle, end to end.
Media engine Operator tool
Live streaming and a Showcase magazine over LiveKit and object storage, with an Art Director that bills its own runs.
Logistics engine Enabled
Routing, consignment, carrier dispatch, live tracking and commissioned payout — from warehouse to a carrier on the road.
Smart invoicing Enabled
ZRA-compliant e-invoices with automatic VAT/WHT and WhatsApp delivery.
Integration gateway Enabled
One signed settlement API and webhooks across every payment rail — integrate once, reach everyone.
Mobile-money bridge Enabled
Native bridges to Airtel, MTN and Zamtel money — provider abstraction beneath the gateway.
AI agents Operator tool
Veiled, metered expert agents — every identity masked through the Identity Veil, every action gated by rules, every kwacha recorded.
Tax authority Enabled
Real-time VAT/WHT collection and ZRA Smart Invoice submissions, native to settlement.
Regulator Enabled
Licensing, sanctions screening and a hash-chained audit trail on every move.
Maps oracle Enabled
Valhalla routing and Nominatim geocoding — the physical-movement brain beneath logistics.
Run on the Commerce edition.
Deploy it on the sovereign network, or license it for your own infrastructure.