Kobopay is a digital bank that provides users with multi-currency accounts and access to global payments. They aggregate financial services under one platform, breaking it down to a micro-level and leveraging different distribution channels to offer their services to their users irrespective of their social status. Users can access services through a web and mobile application (for the tech-savvy) and also via agent locations (Offline). Kobopay works with retail stores, e.g., convenience stores, gas stations, pharmacies, etc. to provide financial services to people in their community thereby reaching the last mile.