Kulu Individual

Kulu is a Fintech App that enables multiple innovative transactions and is designed for various segments such as
individuals, agents, merchants, businesses, and many more.
Kulu provides high security standards to all segments and prevents scams, fraud, anti-money laundering and complies to
all AML & CFT standards.
The Application targets Individuals, Agents and Entrepreneurs (Informal merchants).

FOR INDIVIDUALS

Kulu allows you to deposit, withdraw, transfer money, pay bills, pay for goods and services safely and simply using your
mobile phone, wallet number or QR code.
The main transactions which can be performed by Individuals are:
- Cash-In: Deposit money into your Kulu wallet at any Kulu Agent which you can locate through Kulu Agents’ map.
- Money Transfers: Transfer money instantly to your loved ones. With Kulu, you can send money to any mobile
phone number registered or not.
- Merchant Payments: Buy goods and services with ease from the merchant of your choice. Scan any QR code and
make payments to moto-taxis, grocery stores, gas stations, restaurants, small shops, pharmacies, etc. You can
also pay your business partners, suppliers and online vendors in an instant click.
- Utility bill payments: Pay your TV and electricity bills without moving. You can also buy airtime and recharge
your prepaid line. Kulu also enables you to pay your school fees and taxes at your convenience.
- Cash Out: Withdraw money more easily through a wide network of Kulu Agents.

There are 2 main Profiles (Tariff Plans) for individuals:
Trial: This profile is granted after self-onboarding and allows transactions limited to GNF 50,000 with a limited number of
transactions over a certain period.
Basic: This profile is obtained after providing legal documents.
For now, Individuals need to submit the following legal documents to enjoy the Kulu App: National ID and Passport.

FOR AGENTS

Anyone who has successfully submitted their legal documents can become Kulu Agents.
Kulu Agents get commission while performing transactions below.
- Cash-In: Deposit money into Individuals’ Kulu Wallet
- Cash out: Withdraw Money for Individuals
These 2 transactions can be done by using their phone number, their wallet number or by scanning their QR code.
Kulu Agent can also get commissions by registering Individuals directly to Basic profile and by converting Individuals with
Trial profile to Basic profile.
Kulu Agents can be easily found through Kulu agents Map.

FOR ENTREPRENEUR (Informal Merchant)

An entrepreneur is an Individual who accepts payments via Kulu. An entrepreneur is a merchant or a business owner who
has a registration number.
If you are a moto taxi driver, a shop owner or you own a small restaurant, grocery store or a barbershop, you can apply to
be a Kulu Entrepreneur.