JAC_GH
J
Wallet
◈Overview
↗Send KPC
↙Receive KPC
＋Top Up
Services
💳Pay Platforms
🌍Cross-Border
📈KPC Savings
📋History 37
Account
👤Profile & KYC
🔐Security
Good morning, JAC_GH
Sunday, March 15, 2026 · Your financial network is active
KPC Balance
247.50 KPC
≈ $247.50 USD
Today's Yield
+0.48
KPC earned today
Total earned
+12.30 KPC
Sent This Month
84.00
↓ 12% vs last month
Received
120.50
↑ 24% vs last month
Yield Earned
12.30
↑ Auto daily
Platforms Paid
6
This month
1,000 KC → 1 KPC → $1.00
You have 420 KC pending conversion · needs 580 more KC to convert
Recent Transactions
💳
Netflix Premium
Today, 09:14
-15.00 KPC
✓ Complete
📈
Daily Savings Yield
Today, 00:01
+0.48 KPC
✓ Auto
↙
Received from KWESI_GH
Mar 14, 18:30
+50.00 KPC
✓ Complete
💳
Spotify Premium
Mar 14, 10:00
-10.00 KPC
✓ Complete
＋
MoMo Top Up
Mar 13, 14:22
+100.00 KPC
✓ Complete
KPC Chart (7 days)
M
T
W
T
F
S
S
Credit Score
742
KobPay Credit Rating
● Excellent Standing
Send KPC
Transfer KPC to any phone number or wallet address globally
Send KPC
Your Balance: 247.50 KPC
≈ $247.50 available
Recent Recipients
K
KWESI_GH
+233 20 XXX XXXX
A
AKUA_NIG
+234 80 XXX XXXX
M
MAMADOU_SN
+221 77 XXX XXXX
Receive KPC
Share your wallet address or phone number
Your KPC Wallet QR
QR Code
Generated on
live platform
KPC: JAC_GH_0x8f4a2...
Receive via Phone
Anyone can send KPC directly to your registered phone number:
+233 20 197 7409
Incoming Requests
No pending requests
Top Up KPC Wallet
Fund your wallet with MoMo, card, or crypto
📱
MTN MoMo
Instant · No fees
💳
Debit Card
Visa · Mastercard
🪙
USDT / BTC
Crypto deposit
MoMo Top Up
GHS 14.50 ≈ 1 KPC
Exchange rate updated live
Recent Top Ups
＋
MoMo Top Up
Mar 13
+100.00 KPC
＋
MoMo Top Up
Mar 01
+50.00 KPC
Pay Platforms
100+ global platforms · Instant · No rejected cards
Popular Platforms
🎬
Netflix
15 KPC/mo
🎵
Spotify
10 KPC/mo
🤖
ChatGPT
20 KPC/mo
▶️
YouTube
14 KPC/mo
🎮
Google Play
Varies
🍎
App Store
Varies
☁️
iCloud
1 KPC/mo
📦
Amazon Prime
9 KPC/mo
Pay Any Platform
Recent Payments
🎬
Netflix
Today
-15 KPC
🎵
Spotify
Mar 14
-10 KPC
🤖
ChatGPT Plus
Mar 01
-20 KPC
Cross-Border Transfer
Send to any phone number globally · Under 60 seconds
Send Internationally
50 KPC → 75,000 NGN
Fee: 1% · Arrives in <60s
Why KobPay Cross-Border?
✓
1% fee vs 6.3% industry average
Save 84% on every transfer
✓
Under 60 seconds
vs 3-5 business days via banks
✓
Any phone number
No bank account needed by recipient
✓
English · French · Spanish
Trilingual platform
KPC Savings
Your idle KPC earns daily yield automatically
Savings Balance
247.50
↑ All wallet balance
Total Earned
12.30
↑ Since activation
Daily Rate
0.19%
≈ 1.5% monthly
Yield History
📈
Daily Yield
Today
+0.48 KPC
📈
Daily Yield
Mar 14
+0.47 KPC
📈
Daily Yield
Mar 13
+0.46 KPC
📈
Daily Yield
Mar 12
+0.44 KPC
How It Works
Every KPC in your wallet earns daily yield automatically. No lock-up. No minimum. No paperwork. Your balance grows while you sleep.
1.5% monthly yield
Powered by USDC money markets
Projected this month:
+3.71 KPC
Transaction History
All wallet activity · 37 transactions
All Transactions
DateDescriptionTypeAmountStatus
Mar 15Netflix PremiumPayment-15.00 KPCComplete
Mar 15Daily Savings YieldYield+0.48 KPCAuto
Mar 14Received from KWESI_GHReceive+50.00 KPCComplete
Mar 14Spotify PremiumPayment-10.00 KPCComplete
Mar 13MoMo Top UpTop Up+100.00 KPCComplete
Mar 12Sent to AKUA_NIGSend-25.00 KPCComplete
Mar 10ChatGPT PlusPayment-20.00 KPCComplete
Mar 08Cross-Border to LagosTransfer-35.00 KPCComplete
Profile & KYC
Identity verification and account settings
Account Details
KYC Verification
📱
Phone Verified
+233 20 197 7409
✓ Done
🪪
National ID
Ghana Card required
Pending
🤳
Selfie Verification
Powered by Smile Identity
Pending
Current Limit
Send up to 500 KPC/day · Complete KYC to unlock full access
Security Settings
Protect your KPC wallet
Security Options
🔐
2-Factor Authentication
SMS OTP enabled
Active
🔑
Transaction PIN
Required for all sends
Set
🛡️
Biometric Login
Fingerprint / Face ID
Enable
📍
Login Alerts
Notify on new device login
On
Self Custody
Export your KPC to a self-custody wallet. Your keys. Your KPC. Full ownership.
Operations
◈Overview
＋Cash-In
↗Cash-Out
🏧ATM QR Code
Float & Credit
💧Float Balance
⚡Request Advance
📊Credit Score
Earnings
💰Commissions
📋Transaction Log
Agent Portal — ACCRA_01
East Legon Zone · Agent ID: KBP-AG-2601 · Status: Active
Float Available
GHS 4,200
↑ Healthy
Today's Volume
GHS 8,640
↑ 22% vs yesterday
Today's Commission
GHS 86
1% of volume
Transactions Today
47
↑ 12 pending
Float Status
GHS 4,200
of GHS 10,000 limit
42% availableAdvance threshold: 30%
Recent Transactions
TimeTypeCustomerAmountCommission
11:42Cash-In+233 20 XXXGHS 500GHS 5.00
11:18Cash-Out+233 54 XXXGHS 200GHS 2.00
10:55ATM QR+233 24 XXXGHS 300GHS 2.00
10:30Cash-In+233 20 XXXGHS 1,000GHS 10.00
09:14Cash-Out+233 50 XXXGHS 150GHS 1.50
Agent Credit Score
891
KobPay Agent Rating
● Premium Agent Status
Float Limit: GHS 10,000
Default Rate: 0.00%
This Month
GHS 2,140
Total commissions earned
W1
W2
W3
W4
Process Cash-In
Customer deposits cash → credited to KPC wallet
New Cash-In
GHS 14.50 → 1 KPC
KPC credited instantly to customer
Today's Cash-In Summary
Transactions
28
Total Volume
GHS 5.4K
Commission earned: GHS 54.00
Process Cash-Out
Customer presents OTP or QR → receives physical cash
Verify Customer OTP
Float Warning
Available Float
GHS 4,200
Request advance when below GHS 3,000
ATM QR Cash-Out
Generate QR code for cardless ATM withdrawal
Generate ATM QR
QR expires in 5 minutes · Valid at NCR/Diebold terminals
QR Preview
Generated QR
appears here
Commission: GHS 2.00 per ATM transaction
Float Management
AI-powered liquidity system · Always operational
Available Float
GHS 4,200
↑ Healthy
Float Limit
GHS 10,000
Based on credit score
Outstanding
GHS 5,800
Advance repayment
Float History
DateTypeAmountBalance AfterStatus
Mar 15AI Advance+GHS 5,000GHS 9,200Active
Mar 14Cash-Out Volume-GHS 3,400GHS 4,200Processed
Mar 13Repayment-GHS 1,000GHS 7,600Paid
Request Float Advance
AI reviews your credit score · Instant decision
Float Advance Request
Rate: 5% APR · 0.75% default avg
AI decision in under 30 seconds
Your Eligibility
✓
Credit Score: 891
Premium agent tier
Eligible
✓
Transaction History
47 txns today · Consistent
Strong
✓
Default Rate
0.00% lifetime
Perfect
✓
Max Available
Based on current float
GHS 5,800
Commission Earnings
Your earnings from every KobPay transaction
Today
GHS 86
This Week
GHS 412
This Month
GHS 2,140
Total Earned
GHS 8,640
Commission Breakdown
Cash-In Commissions
1% per transaction
GHS 54.00
Cash-Out Commissions
1% per transaction
GHS 19.00
ATM QR Commissions
GHS 2 per ATM transaction
GHS 13.00
Agent Credit Score
Behavioral credit model · Determines float limit and advance eligibility
KobPay Credit Rating
891
● Excellent — Premium Agent
300850+
Score Factors
Transaction Volume
High and consistent
+180
Repayment History
All advances repaid on time
+200
Float Utilisation
Optimal range 40-70%
+160
Account Age
3 months active
+120
Default Rate
0.00% lifetime
+231
Transaction Log
Complete record of all agent transactions
TimeTypeCustomerAmount (GHS)CommissionFloat AfterStatus
11:42Cash-In+233 20 XXX5005.004,200Done
11:18Cash-Out+233 54 XXX2002.003,900Done
10:55ATM QR+233 24 XXX3002.004,100Done
10:30Cash-In+233 20 XXX1,00010.004,400Done
09:14Cash-Out+233 50 XXX1501.503,400Done
Overview
◈Command Center
💰Revenue
🪙KPC Ledger
Network
👥Users 37
🏪Agents
🪪KYC Queue 12
System
💚System Health
⚡API Monitor
Command Center
KobPay Operations · Sunday, March 15, 2026 · All systems operational
Total Users
37
↑ 3 new today
Active Agents
8
↑ East Legon zone
KPC in Circulation
4,820
↑ +142 today
Today's Volume
$1.2K
↑ 18% vs yesterday
Today's Revenue
$24.80
All 7 pillars
Transactions Today
184
↑ Growing
KYC Pending
12
Needs review
System Health
99.9%
All systems green
Revenue by Pillar — Today
Payment Processing
1-2% per transaction
$8.40
Agent Float Interest
5-8% APR
$5.80
ATM Cash-Out Fees
GHS 1-2 per tx
$3.20
Cross-Border Transfers
1-2% per transfer
$4.10
Savings Yield Spread
1-2% spread
$2.30
Open API Fees
1.5% per API transaction
$1.00
Agent Network Map
Ghana · Active Zones
● Active agent   ○ Recruiting zone
System Status
●
kobpay.app
Live
●
Firebase DB
Online
●
MoMo API
Connected
●
ATM Network
Dev Mode
●
KPC Exchange
Pending
●
EmailOctopus
Active
Quick Actions
Revenue Dashboard
7-pillar revenue architecture · Real-time tracking
Today
$24.80
This Week
$148
This Month
$620
Projected Year 1
$548K
Monthly Revenue Trend
Jan
Feb
Mar
Growing month-on-month · Testing phase
KPC Ledger
KobPay Coin · Total circulation · Mint & burn tracking
Total KPC Minted
5,200
All time
In Circulation
4,820
↑ Active
Burned / Spent
380
Platform payments
KPC Price
$1.00
Launch peg
KPC Mint History
DateEventAmountTotal SupplyType
Mar 15MoMo Top-Ups+142 KPC5,200Mint
Mar 15Platform Payments-45 KPC5,058Burn
Mar 14Savings Yield Distribution+18 KPC5,103Yield
Mar 14MoMo Top-Ups+200 KPC5,085Mint
User Management
37 registered users · Growing waitlist
Total Registered
37
KYC Verified
25
↑ 67%
Waitlist
2,400+
EmailOctopus
Recent Users
UserPhoneBalanceKYCJoinedStatus
JAC_GH+233 20 XXX247.50 KPCVerifiedMar 11Active
KWESI_GH+233 24 XXX180.00 KPCVerifiedMar 11Active
AKUA_NIG+234 80 XXX95.20 KPCPendingMar 12Active
MAMADOU_SN+221 77 XXX50.00 KPCPendingMar 13Active
Agent Network
AI-powered agent liquidity system · Self-scaling
Active Agents
8
Total Float Out
GHS 42K
Avg Credit Score
847
↑ Excellent
Default Rate
0.00%
AgentZoneFloatScoreVol TodayStatus
ACCRA_01East LegonGHS 4,200891GHS 8,640Premium
ACCRA_02OsuGHS 6,100856GHS 12,200Premium
ACCRA_03LapazGHS 2,800742GHS 4,100Standard
TEMA_01Tema Comm 1GHS 5,500880GHS 9,800Premium
KYC Review Queue
12 pending verifications · Powered by Smile Identity
UserDocumentSubmittedRiskAction
AKUA_NIGNational IDMar 14Low
MAMADOU_SNPassportMar 13Low
CARLOS_MXINE CardMar 13Medium
FATOU_CINational IDMar 12Low
System Health
Real-time infrastructure monitoring
Uptime
99.9%
API Response
142ms
Error Rate
0.01%
Active Sessions
23
Service Status
kobpay.app — Netlify CDN
Response: 84ms
Operational
Firebase Database
Response: 142ms
Operational
EmailOctopus Automation
Active · 37 contacts
Operational
MTN MoMo API
Sandbox mode · Awaiting production
Dev Mode
KPC Exchange Listing
Pending BoG licence
Pending
API Monitor
Open API platform · Developer integrations
API Calls Today
1,842
Success Rate
99.8%
Active Keys
3
API Revenue
$1.00
Today
Top Endpoints
EndpointCallsAvg ResponseStatus
POST /api/wallet/topup842142msOK
POST /api/payment/send620168msOK
GET /api/wallet/balance38084msOK