Agents are the bridge between cash and digital in the Kulpay ecosystem. They handle liquidity by performing Cash-In and Cash-Out (CICO) operations for customers, making them the ecosystem gatekeepers. Because of this critical role, agents require the most rigorous onboarding process.
Role of Agents
| Function | Description |
|---|
| Cash-In | Accept physical cash from customers and credit their Kulpay wallet |
| Cash-Out | Dispense physical cash to customers from their Kulpay wallet |
| Tier 2 Upgrades | Capture customer fingerprints for KYC Tier 2 verification |
| Customer Support | Assist customers with basic account questions and QR code scanning |
| Trust Anchors | GPS-tagged locations provide a "Trust Map" for nearby customers |
Participants
| Participant | Role |
|---|
| Agent | Registers via the Master Agent app |
| Kulpay API | Processes registration, validates identity, captures location |
| LiveAIEngine | Biometric liveness detection and face matching |
| NUIB API | National identity verification |
| Back Office Reviewer | Performs rigorous vetting and approves/rejects agents |
Process Flow
Step-by-Step
Phase 1: Identity Verification
- Agent downloads the Master Agent app
- Registers using their personal ID (BI)
- OCR auto-captures name, DOB, and ID number from the document
- Selfie liveness check and face match verify the agent's identity
- Fingerprint is captured — this is mandatory upfront for agents (unlike customers, who get fingerprinted later)
Phase 2: Tax & Location Verification
- Agent enters their NUIT (tax identification number)
- System validates the NUIT
- Mandatory GPS tagging of the agent's point of sale is captured
- This builds the Kulpay "Trust Map" — a geolocated directory of verified agents that customers can discover
- Agent uploads supporting documents (business license if applicable, proof of address)
Phase 3: Back Office Review
- Agent submits application for review
- Back office reviewer evaluates:
- Identity documents and NUIB verification against government records
- GPS location validity and physical address confirmation
- Regulatory list checks (sanctions, PEP)
- Background check and liquidity assessment (can the agent handle cash float?)
- Based on review: agent is activated or rejected with a reason
- If approved, the agent's location is added to the Trust Map
- Agent is notified of the outcome via SMS
Phase 4: Operational (CICO Transactions)
- Once activated, the agent can perform Cash-In and Cash-Out transactions
- For every CICO transaction:
- Customer presents their QR code
- Agent scans the QR code to identify the customer
- Agent authorizes the transaction with their fingerprint
- Transaction is processed
Biometric Requirements
Agents have the strictest biometric requirements in the ecosystem because they handle physical cash and customer funds.
| Biometric | When Captured | Purpose |
|---|
| Selfie (facial recognition) | During signup | Identity verification and liveness check |
| Fingerprint | During signup (mandatory) | Ongoing CICO transaction authorization |
Every Cash-In/Cash-Out transaction is authorized by the agent's fingerprint to prevent fraud and account sharing between agents.
Trust Map
The Trust Map is a geolocated directory of all verified agent locations, built from mandatory GPS captures during onboarding.
| Feature | Description |
|---|
| Customer Discovery | Customers can find nearby agents for CICO services |
| Location Verification | GPS coordinates are cross-referenced with the agent's registered address |
| Operational Monitoring | Kulpay can track agent coverage and identify underserved areas |
| Fraud Prevention | Transactions from unexpected locations can be flagged |
| Endpoint | Purpose |
|---|
POST /v1/customers/initiate | Start agent registration |
POST /v1/customers | Verify phone with OTP |
PUT /v1/customers/{id} | Update agent details |
POST /v1/customers/{id}/upload-document | Upload ID document |
POST /v1/customers/{id}/upload-selfie | Upload selfie for verification |
GET /v1/customers/{id}/kyc | List KYC verifications |
PUT /v1/customers/{id}/kyc/{kyc_id}/reviews | Review agent KYC |
Business Rules
- Agents must complete full biometric capture (selfie + fingerprint) during onboarding — no progressive disclosure
- GPS capture of the point of sale is mandatory — agents cannot be activated without a verified location
- Every CICO transaction must be authorized by the agent's fingerprint
- Agents are subject to more rigorous back-office review than individual customers or merchants
- Liquidity assessment is part of the approval process
- Agent locations are published to the Trust Map upon activation
- Agents who fail to maintain adequate cash float may be suspended
- Agent accounts that show transactions from locations inconsistent with their registered GPS coordinates may be flagged for review