CICO revolutionizes how you manage your finances by combining AI automation with comprehensive financial services. Experience the future of banking where artificial intelligence handles complex USSD processes, making your transactions faster and smarter than ever before.
Key Features:

AI-Powered USSD Automation: Advanced artificial intelligence handles all USSD interactions, making transactions smoother and more reliable
Smart Transaction Processing: AI learns from your transaction patterns to provide personalized shortcuts and recommendations
Offline Smart Mode: Continue transactions without internet for up to 14 days
Multi-Service Integration: Handle all your financial needs in one place:

Send money instantly
Purchase airtime and data bundles
Manage multiple account balances
Pay utility bills (water, internet, etc.)
Transfer between accounts
Generate payment links shareable via WhatsApp, Social Media, or SMS



Why Choose CICO?

Free Download: No hidden costs or extra fees
Lightweight: Less than 20MB app size
Enhanced Security:

Biometric authentication
Balance hiding feature
Two-factor authentication
Zero PIN storage policy
Encrypted transactions


Smart USSD Library: AI-powered searchable database of all USSD codes for banks and mobile money operators across Africa
Offline Capability: Transact without internet for up to 14 days
No Signup Required: Start using immediately

How It Works
Our AI technology automates USSD processes in the background, revolutionizing traditional mobile banking. The intelligent system handles complex USSD flows automatically, making your financial transactions faster and more efficient than ever before.
Getting Started:

Download CICO
Grant overlay and accessibility permissions for AI-powered USSD automation
Connect your preferred financial accounts
Start enjoying smarter, faster transactions

Coverage

Currently active in Ethiopia
Coming soon to Somalia and Somaliland
Expanding across Africa

Security First

Fingerprint/passcode authentication
Balance hiding feature for public viewing
Built-in two-factor authentication
Zero PIN storage policy
Device-level PIN encryption using Android Key Store
Immediate post-transaction PIN deletion

About Us
CICO is developed by Commerce 360 LLC, a U.S.-based company with team members across Africa. Our mission is to build an inclusive Internet, starting with AI-powered mobile payments that put your convenience at the center of everything.
Accessibility Services
CICO utilizes Accessibility Services as an AI-powered assistant for USSD-based services. This enables:

Automated reading and parsing of USSD sessions
Smart auto-fill responses
Enhanced accessibility for users with motor impairments
Voice command integration for visually impaired users

Watch how it works: https://youtu.be/LCcoaynNMUM