SNIVAI.NET · F-T-I · S-N-I V-A-I · REGULATORY SITTING

Engineered for the grassroots.
A feature phone is enough.

SNI-VAI — spoken S-N-I V-A-I — is Financial and Telecommunication Inclusion. The villager speaks an ordinary SMS. The licensed kitchen knows its customer, checks its PIN on its rail, and moves its naira. After that book has posted, we stamp a short ticket and empty the glass. We hold no naira. We never see a PIN. We keep no village file.

You can sit this without us in the room. Two last-fours. One amount. Then you are the kitchen.

How you sit it

  1. First hand. Type the last four digits of the originating phone — or the whole number; we keep only the last four.
  2. Second hand. Last four of the other phone. That last-four is what the SMS would name. Not a debit.
  3. Amount. Naira only. Example 2500. The Nokia writes SNIVAI 2500 5050.
  4. You are the kitchen. Imagine the bank has already posted. Press the gold. Path A stamps in milliseconds. Dialect cost is 0.000 ms. No aggregator is called.
  5. Watch the wipe. One hundred and twenty seconds. Then empty glass. Residual may be a tip hash. Warehouse 0.

EMPTY GLASS · READY
tip hash will sit here
Path A waiting · no SMSC on this door
warehouse 0 · 120 s after the stamp
NOKIA
NEW SMS
To the mouth
SNIVAI …
speech · not debit
MENU
NAMES
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Majority hand · 2G · F-T-I
1 · Speech

Nokia writes

SNIVAI, amount, last-four. Intent only.

2 · Land

Their kitchen

Their customer. Their PIN. Their rail. We never see it.

3 · Air

Path A ticket

Four fields. Stamp. Empty.

4 · Courtesy

Path B later

A beep may never arrive. It is not the payment.

What this door is not

This is not the house watch. It does not listen to a shared short code, and it does not wait on an aggregator warehouse. A live SMS to 34461 is a different ear, for another sitting. Here the Director proves the law with two last-fours and a stamp: overlay, not a pot; speech, not a debit; ticket after their post; 0-DRRU.