← AivaCore portfolio Access layer · In reserve

Where can I actually use my money?

Digital finance in Tunisia is growing fast — wallets, TUNPAY, QR payments, new fintech services. Access to it is still scattered across apps that do not talk to each other. DABy Go is the layer that connects them: one place to find what works, right now, near you.

For Users, merchants, wallets & fintechs Status Validated and tested with SMT · paused Part of the AivaCore group
The problem

Digital finance is growing. Access is not

People hold a wallet but do not know where it is accepted. They walk to an ATM without knowing whether it has cash. Every service exists — none of them are visible together.

ATMs

Different banks, different networks, no reliable way to know which one is working before arriving.

Wallets

Multiple apps, no shared view of where each one can actually be used.

TUNPAY points

A national scheme expanding fast, with limited visibility on where it is accepted.

Merchants

Thousands accepting digital payments, scattered and hard to discover.

Cash in / cash out

Hard to locate, inconsistent information, wasted trips.

The result

People fall back on cash. Adoption stalls even though the infrastructure is there.

The solution

One smart access layer

DABy Go is not a bank app, a wallet or a payment provider. It sits above the ecosystem rather than inside a single silo — which is exactly why it can show all of it.

Smart ATM network

Live status of what a machine can actually do right now.

  • Operational status and cash availability
  • Withdrawals, deposits, wallet top-up
  • Hours, accessibility, distance

Wallet & TUNPAY map

Where each payment method is genuinely accepted.

  • Merchants accepting wallets
  • TUNPAY points
  • Pharmacies, cafés, fuel, supermarkets

Fintech discovery

The services people do not know exist yet.

  • Fintechs and startups
  • Microfinance and insurance
  • Transfers and top-up services

Community intelligence

Real users reporting what the systems do not.

  • Report outages and confirm availability
  • Rate experiences
  • Flag payment issues

Smart routing

Not the nearest option — the one that will work.

  • Best option for what you need
  • Avoid crowded or out-of-service points
  • Time, distance and availability combined

Ecosystem analytics

What the data says once it is finally in one place.

  • Usage and mobility patterns
  • ATM activity insights
  • Merchant visibility analytics
How it works

Search. Discover. Get there

SEARCH

Say what you need

Withdraw cash, pay with a wallet, top up, find a service — not a category, a need.

DISCOVER

See the real options

What is nearby, what is open, what is working, with fees and status visible.

NAVIGATE

Get there

Directions with live updates, so the information does not go stale on the way.

ACCESS

Use it with confidence

And tell the next person whether it worked. That feedback is what keeps the map true.

Business model

Visibility, intelligence and access

The users never pay. The value goes to the players who gain from being found and from understanding the ecosystem they operate in.

Merchant visibility

Subscriptions and premium placement for merchants who want to be found and reach more customers.

Campaigns

Wallets, fintechs and partners running targeted activations where the intent already is.

Analytics & API

Ecosystem insight for banks, fintechs and partners, and API access for integrations.

Where it stands

Proven, then paused

What was achieved

  • Technical access obtained from SMT, the national monetics operator
  • Integration built and tested against real ATM network data
  • Application developed and functional
  • The hardest part of the problem — the data — was solved

Why it is on hold

  • Launch requires bank agreement in a closed ecosystem
  • Displaying live ATM availability exposes uptime that some prefer not to publish
  • Version 2.0 is designed to depend far less on that agreement — wallets, TUNPAY, merchants and QR carry the value
  • It restarts when the ecosystem opens. Until then, it waits rather than burns capital
A product that reached national infrastructure and stopped at a market condition is not a failure — it is an asset waiting for its moment, and proof that this team can get through the door.
Let's talk

Interested in
the access layer?

If you operate a wallet, a merchant network or payment rails and want the ecosystem to be visible, this is the conversation to have.