What to Expect

Deploy and operate Morocco's most extensive cash-in/cash-out network. ChariBaaS combines its own network of proximity agents (grocery stores, kiosks, neighborhood shops) with CICO points from partner institutions, delivering the widest coverage in the country. Agents are recruited, trained, and equipped to offer cash deposit and withdrawal operations, and serve as a distribution channel for all value-added services on the platform. The model works in two steps: digital payment account opening with KYC/KYB, followed by structured training on CICO operations, liquidity management, and service quality standards.

Key features:

Agent onboarding: Agents join the Chari network in two simple steps.

  • Agent account opening:Payment accounts created for each agent via a fully digital KYC/KYB process, with immediate access to regulated financial services and real-time balance management

  • Training and onboarding:Training program covering CICO operations, service quality standards, and regulatory compliance

  • Own network + partner networks : Beyond its own proximity agent network, Chari leverages CICO points from other licensed institutions, forming the most extensive cash-in/cash-out coverage in Morocco

  • Cash-in / Cash-out : Consumers can deposit and withdraw cash through cards, agent network, or bank transfers. Structured CICO operations with built-in liquidity management

  • Monitoring and incentives : Agent performance tracking and incentive mechanisms to ensure a sustainable, reliable network with consistent service quality

  • Distribution channel : The agent network serves as the distribution channel for all value-added services — transfers, top-ups, bill payments, insurance, vouchers, and more

Agent Network & CICO 1
Agent Network & CICO 2
Agent Network & CICO 3
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