HomeFor mobile network operators
For mobile network operators
Turn registered wallets into daily, paid use.
Under your brand: people earn through your wallet, every day.
The problem
Dormant wallets, the cost of signing up merchants, and agent networks paid per sign-up rather than use. Growth now depends on active use, merchant payments and agents who earn.
- 2.3 billionregistered mobile money accounts in 2025GSMA
- Over US$2 trillionmoved through mobile money in 2025GSMA
What you get
- Dormant wallets become active, earning wallets.
- More merchant payments and daily transactions.
- Agents paid for real use, not sign-ups.
- A brand known for creating income.
What you report
- Active, earning wallet users each month.
- Transactions and value through your wallet.
- Merchants and agents active.
- Results by region, gender and age.
How you buy
What the demo opens on
An operator view for a fictional network, with fictional wallets, merchants and payments.
Questions mobile networks ask
What results can we see today?
CivicGrid 1.0 is built to production standard and ready to license. Each licensee's results are measured from its own payment records and published only once measured. The research on our Evidence page is published research, not a CivicGrid result.
Who holds the money?
Only licensed payment providers, under the licensee's own accounts. Neither Sceamdo nor the platform ever holds anyone's money.
Who owns the data?
The licensee, as data controller. Sceamdo is a processor only when it hosts the licensee's copy.
Is there any capital cost?
No. You license the system. Nothing needs to be bought or built: no vehicles, buildings or equipment.
Can it run in our own cloud?
Yes. CivicGrid Sovereign runs in your own cloud, so personal data stays in your country.
What does it cost?
A setup fee and an annual licence, plus hosting paid in advance if Sceamdo hosts it. Some licences add optional revenue share or results fees. Prices are shared with verified institutions after the demo.
See CivicGrid working
The demo is open only to verified institutions. Apply with your work email and your institution's documents. A person at Sceamdo checks every application.