Solutions

One network, a different door for everyone.

Citizens, merchants, enterprises, banks and the regulator all transact on the same sovereign rails — each with the surface, limits and oversight that suit them. And the whole platform ships as deployable editions that boot only the apps you need.

Who runs on Unityzm

Built for every actor in the economy.

From a citizen's first wallet to a regulator's audit trail — the same ledger, seen from five sides.

Citizens & individuals

Identity, wallets, payments and shopping in one place.

  • Register a verified digital identity
  • Hold multi-currency wallets and send money by national ID
  • Shop the national marketplace with escrow protection
  • Pay business invoices with one tap

Merchants & SMEs

Accept payments, invoice, and stay tax-compliant automatically.

  • Run multiple storefronts with independent settings
  • Accept mobile money, bank and card through one surface
  • Issue ZRA-compliant e-invoices with WhatsApp delivery
  • Automatic tax calculation, remittance and receivables tracking

Large enterprises

Multi-channel collections with ZRA-compliant invoicing.

  • Multi-channel collections across every provider
  • ZRA-compliant invoicing at batch scale
  • Treasury integration and settlement forensics
  • Tiered platform fees with enterprise rates

Banks & mobile money operators

Standardised settlement participation on one shared network.

  • Standardised settlement across one shared network
  • Provider abstraction — integrate once, reach everyone
  • Real-time clearing with reversal support

Government & regulators

Real-time tax collection and monetary oversight.

  • ZRA: real-time VAT/WHT collection and Smart Invoice submissions
  • Bank of Zambia: exchange rates and monetary oversight
  • Regulators: licensing, sanctions screening and audit trails
Deployable editions

Ship only the platform you need.

Each edition is a declarative catalogue — selective node startup means an edition boots only its apps, with its own compliance posture. Open the editions library →

Sovereign

The full national stack — identity, money, commerce, logistics and the regulator's oversight.

identity · compliance · settlement

Commerce

Merchant portals, the buyer storefront, escrow orders and the logistics engine.

storefront · escrow · logistics

Operations

Focus mode, the intelligent importer and an after-sales pack for run-the-business teams.

focus · import · after-sales

Financial

Wallets, the settlement gateway and AML/sanctions forensics for financial institutions.

wallets · settlement · forensics

Entertainment

The Showcase magazine, media engine and the ads/campaign billing spine.

showcase · media · ads

Web

The public surface — directory, landing and roadmap — for a lightweight deployment.

public · directory · landing

Find the edition that fits.

Tell us your territory and scope — we'll map you to an edition and a Schedule A.