make and receive payments through their innovative app called ZuraPay. With a focus on simplifying payments for both banked and unbanked individuals, Zurapay offers a unique offline payment solution that works similarly to cash.
One of the key benefits of ZuraPay is that it provides an easy way to make offline payments that is secure and reliable. Customers don't need to carry around cash or reveal sensitive financial information to make purchases. The app also allows easy transfer of funds as gifts or donations.

In terms of features, ZuraPay offers:

- Easy onboarding and account creation process for both banked and unbanked users

- Ability to transfer money to anyone via their ZuraPin

- USSD access for users without smartphones

- Merchant payment acceptance using ZuraPin

- Secure encrypted transactions

- No hidden fees or charges

- User-friendly mobile interface

- Gift or donate money to individuals or charities

- Cash withdrawal at select agent locations

- Transaction history and account statements

ZuraPay aims to drive financial inclusion by providing digital payment access to unbanked populations while also offering a smooth offline payment experience for banked users. It removes the friction from in-person cash transactions while maintaining the convenience, security and privacy of cash.