Recover eligible transactions
Turn selected insufficient-funds moments into completed essential purchases instead of lost checkout events.
For Financial Partners
Add a checkout rescue layer without rebuilding the bank.
MEM Cash is designed to provide the AI orchestration, checkout integration and responsible-finance logic. Licensed financial partners retain control of capital, regulatory obligations, credit policy and risk.
BaaS partnership modelFixed micro-feeOpen Banking optionalEssentials-only guardrails
Pre-seed · Functional technical prototype · Pilot pathway in Europe
Why partner
A new micro-credit moment inside existing payment rails.
The opportunity is not to replace a bank's lending infrastructure. It is to add an intelligent, narrowly scoped rescue layer at the moment a small shortfall would otherwise stop an essential purchase.
Reach underserved customers
Alternative signals and lightweight digital access can support customers who are thin-file, underbanked or poorly served by conventional products.
Keep institutional control
The partner keeps the regulated lending relationship, capital, final credit policy, KYC/AML framework and risk ownership.
BaaS partnership model
Clear separation of responsibilities.
MEM Cash is the technology and orchestration layer. The financial institution remains the regulated financial actor.
MEM Cash provides
Technology designed to make the checkout rescue fast, narrow and explainable.
PWA / NFC / QR checkout layerAgentic AI orchestrationTransaction categorization and contextAlternative scoring supportFraud / anomaly checksEssentials-only and debt-trap guardrailsIntegration APIs and partner tooling
Financial partner provides
The regulated foundation that determines whether and how credit is actually extended.
Capital and funding policyApplicable lending licence / regulatory permissionsKYC / AML and sanctions frameworkFinal credit policy and approval authorityCredit-risk ownershipCustomer disclosures and consumer protectionsRepayment / collections framework where applicable
Unit economics
One fixed micro-fee. Not a percentage of the loan.
The service fee is localized by market and remains fixed for the transaction rather than increasing with the size of the shortfall. This keeps the commercial incentive aligned with solving the payment problem — not with pushing a larger debt amount.
The ≈95% figure describes transaction-level technical economics before funding cost, credit losses, partner economics, customer acquisition, broader operating expenses, taxes and other market-specific costs.
Open Banking
Useful enrichment. Not a core dependency.
MEM Cash is designed so that the core checkout rescue trigger can originate through the payment-processing layer. Open Banking can strengthen the system where available, but the product should not depend on European Open Banking infrastructure in order to exist.
Core payment layerProcessor / acquirer / issuer integration provides the eligible transaction event and payment context. Exact data available depends on the partner integration.
Optional enrichment layerOpen Banking can add account history, behavioral signals, account verification and repayment workflows.
Global deployment logicThis separation is important for markets where card or wallet rails are mature but PSD-style Open Banking is absent or incomplete.
Architecture snapshot
From checkout shortfall to regulated funding.
The public architecture deliberately shows the partnership boundary without exposing proprietary orchestration, fraud or repayment logic.
Pilot pathway
A practical route from technical fit to measured deployment.
Each partner environment will require its own legal, risk, processor and product configuration. The pathway below is therefore a framework, not a promise of automatic deployment.
Interested in testing the model inside your institution?
We are looking for banks, MFIs, payment providers and regulated financial partners willing to explore a tightly scoped pilot for essential checkout shortfalls.