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USSD financial services platform

Bring digital finance to every mobile phone.

Bamboodt USSD Solution enables banks, mobile wallets, payment institutions, telecom operators, and inclusive finance providers to serve customers, agents, and merchants without requiring smartphones, app downloads, or mobile data.

Talk to Our Team Explore Capabilities
3 Customer, agent, and merchant entry points
2,400 TPS reference capacity for planning and testing
Multi language, shortcode, market, and business plugin support
Low barrier No App
USSD Session 00:42
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Welcome to Bamboodt Wallet

  1. Transfer Money
  2. Buy Airtime & Data
  3. Pay Bills
  4. Cash Out
  5. Agent & Merchant Services
Reply with option number
Access channel Any phone
Market challenges

Designed for markets where mobile finance must work beyond apps.

In Africa, the Middle East, Central Asia, and Southeast Asia, digital finance often needs to serve feature phones, low-end smartphones, cash-heavy agent networks, and complex local integrations.

01

Limited app and data access

Many users still rely on feature phones or unstable data coverage, making app-only channels insufficient for financial inclusion.

02

Operational menus change fast

Financial institutions need to localize language, role-based journeys, regulatory steps, and campaign menus without slow release cycles.

03

Integration and risk are complex

Wallet cores, banks, operators, billers, KYC, risk, and notification providers must be connected with reliable latency and auditability.

Business scenarios

One configurable USSD entry for customers, agents, and merchants.

The platform supports role-aware menus, language preference, PIN authentication, permissions, transaction limits, and localized business rules.

C

Customer self-service

Give wallet users a lightweight channel for account and transaction services.

  • Balance enquiry, mini statement, PIN change and reset
  • Wallet transfer, bank transfer, merchant payment and cash services
  • Airtime, data, bill payment, savings, referral and support menus
A

Agent network services

Enable field agents to support assisted transactions without extra devices.

  • Cash-in, cash-out, customer activation and account opening assistance
  • Float management, commission enquiry and commission transfer
  • Bill payment, airtime sales, BVN binding and account controls
M

Merchant acceptance

Provide small businesses with a simple payment and account management tool.

  • Pay merchant, receive payment, small change and recent transaction enquiry
  • Merchant ID, balance enquiry, transfers and mini statement
  • Till management, customer referral, cash-in and commission transfer
Product capabilities

From menu configuration to transaction orchestration.

Bamboodt combines configurable USSD menu management, runtime session handling, business integration, security control, monitoring, and multi-market delivery into one reusable product framework.

Launch and adjust USSD journeys without hard-coding every flow.

Operations teams can manage menu hierarchy, language copy, role entries, input rules, error pages, third-party service menus, shortcode routing, and campaign-specific journeys through a controlled portal.

Menu templates Role-based routing Localization Error page configuration

Maintain continuity in short-lived USSD interactions.

The runtime manages inbound sessions, push sessions, timeout control, state retention, context handling, validation, data loading, callback processing, and final menu rendering.

Session manager Context store View resolver Timeout control

Connect USSD to wallet, bank, biller, operator, and 3PP ecosystems.

The integration layer supports wallet core services, account and balance enquiry, transfers, bill payment, airtime and data services, KYC, notification, risk, and operator gateway connectivity.

USSD Gateway Wallet Platform Bank channels Billers & 3PPs

Operate financial-grade USSD channels with visibility and control.

Dashboards, operation logs, access control, audit traces, Prometheus-compatible metrics, service status, and exception monitoring help teams manage SLA and continuous optimization.

Dashboard RBAC Audit log Prometheus metrics
Solution architecture

Modular architecture for integration, scale, and multi-country rollout.

USSD Menu Portal, Backend Service, Runtime Engine, integration adapters, and observability components work together as a reusable service platform.

USSD Menu Portal Menu configuration, service provider setup, RBAC, operation logs, dashboard, and plugin management.
Portal Backend Configuration APIs, metadata consistency, permission control, audit events, and operations data.
Business Plugins Reusable modules for market-specific wallet, agent, merchant, biller, and campaign services.
USSD Runtime Menu router, session manager, auth, validator, data loader, third-party caller, push service, and view resolver.
USSD Gateway Inbound dial sessions and USSD push sessions through operator networks.
Wallet & Payment Core Account, balance, transfer, bill payment, merchant payment, cash services, and transaction result APIs.
Monitoring Platform Session volume, response time, 3PP latency, failures, business events, and operational alerts.
Core flow

A financial transaction journey built for speed, security, and traceability.

Every session follows a controlled path from shortcode entry through authentication, routing, transaction execution, response rendering, and audit capture.

Dial shortcode User dials a customer, agent, or merchant USSD code.
Parse request Gateway forwards MSISDN, session ID, shortcode, and input.
Authenticate System checks user, role, PIN requirement, and access rights.
Route menu Router selects the next menu using context and business rules.
Execute action Validators and adapters call wallet, bank, biller, or 3PP APIs.
Render result Localized menu response, notification, metrics, and audit log are generated.
Non-functional strength

Built for high-volume financial channels, not just basic menu display.

The solution is designed for low latency, high availability, secure authentication, auditability, role-level control, disaster recovery, and multi-market deployment.

✓
High availability and disaster recovery Support for multi-site deployment, public cloud, private cloud, or hybrid environments with health checks and horizontal scaling.
✓
Security, compliance, and audit trails PIN verification, menu access control, role permissions, operation logs, transaction audit, and security monitoring.
✓
Multi-language and multi-market reuse Independent configuration for countries, operators, shortcodes, language packs, business lists, and regulatory adaptations.
FAQ

Frequently asked questions

Who is the USSD solution built for?

It is designed for banks, mobile wallet providers, payment institutions, telecom operators, microfinance organizations, and inclusive finance service providers that need a reliable non-app channel.

Can the menus be localized for different markets?

Yes. The platform supports language preference, localized menu copy, shortcode routing, country-specific business lists, role-specific entries, and market-specific plugin extensions.

Does it support both inbound USSD and USSD Push?

Yes. The runtime can process user-initiated dial sessions and business-initiated USSD Push sessions for transaction confirmation, marketing, important notices, and additional authentication.

How does it integrate with existing wallet or banking systems?

The backend uses integration adapters to connect USSD Gateway, wallet core, payment core, bank channels, billers, risk, KYC, and notification services through customer-approved APIs and protocols.

Make USSD a strategic access channel for your digital finance ecosystem.

Use one short code to connect customers, agents, merchants, wallet services, payment services, billers, and local market operations.

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