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Next-Gen Infrastructure

KOSMORelay Cash

Next-generation SIM wallet payments. Secure, versatile, offline-ready transactions built on advanced SIM technology — bridging conventional banking with next-gen digital payments.

Isometric illustration of a SIM card transforming into a digital payment wallet
Key features

Payments that work anywhere.

SIM wallet technology

Secure digital wallet embedded directly into SIM/eSIM, supporting contactless payments, crypto, and banking rails with 256-bit encryption.

Works offline

Compatible with virtually any mobile device, including legacy hardware — peer-to-peer NFC transfers with zero connectivity.

Bank-grade security

Hardware-level encryption and multi-factor biometric authentication — PCI-DSS, GDPR, and AML/KYC compliant.

Multiple revenue streams

2.5% transaction fees, $5/month premium subscriptions, and 1.8% issuing fees for financial institution partners.

Market opportunity

A $15T global payment ecosystem — still mostly untapped by SIM.

Cash still dominates globally, but digital payment methods are growing fast. SIM-based solutions sit at just $0.2T today — the smallest slice of a massive market, and exactly where KOSMORelay Cash is built to grow.

Global payment market by segment (USD trillion)
Cash Transactions
$6.0T
Digital Payments
$4.5T
Other Fintech
$2.8T
Mobile Wallets
$1.5T
SIM-based Solutions Our focus
$0.2T
Use cases

From retail to public infrastructure.

Retail & daily transactions

Secure offline payments without network connectivity, enabling commerce even in remote locations.

Public transport

Gate-less ticketing technology dramatically improves passenger flow while maintaining full security.

eGovernment services

Secure access to government services and document management with patented digital ID.

For telecom operators

Become a fintech leader, not just a carrier.

1

Position as a fintech pioneer

Leverage existing infrastructure to deliver offline payment solutions that bridge digital divides in emerging markets.

2

Create new revenue streams

Transaction fees, premium features, merchant partnerships, and data analytics services.

3

Enhance customer loyalty

Superior payment experiences reduce churn by up to 25% and boost customer lifetime value.

Turning connectivity into fintech reach.

Schedule a demo of KOSMORelay Cash for your network.