Architected for Extreme Scale & Zero Failure

Explore our battle-tested proprietary systems: the automated cooperative banking engine powering tier-1 SACCOs and the hardware-to-cloud IoT telemetry nexus.

FLAGSHIP 01 • FINTECH OS

Pearl SACCO Core™ Cooperative Operating System

A complete cloud-native core banking system engineered specifically for Ugandan savings and credit cooperatives, micro-financiers, and community banks. Automates member onboarding, loan scoring, MTN MoMo & Airtel disbursements, dividends, and regulatory returns.

Engineered for Financial Autonomy

Most SACCOs are held back by fragmented legacy software that requires manual reconciliations and hours of clerical overhead. Pearl SACCO Core automates every touchpoint from mobile loan application to UMRA regulatory reporting.

Instant MTN MoMo & Airtel Money Integration: Members apply via USSD/Mobile App, and funds disburse automatically via Mobile Money open APIs once algorithmic scoring passes.

Dynamic Multi-Tier Savings: Support for Shares, Ordinary Deposits, Holiday Accounts, Fixed Deposits, and Youth Savings with customizable interest formulas.

Automated Guarantor Pledging: Digital guarantor requests via SMS with real-time liability locking and automatic debt transfer on default.

100% UMRA Compliance: One-click generation of capital adequacy, liquidity, risk classification (PAR), and annual regulatory filings under the Tier 4 Microfinance Act.

Book Pearl SACCO Demo

INTERACTIVE SIMULATION

Simulate SACCO Loan Terms

Test Pearl SACCO's algorithmic interest calculator with reducing balance or flat rate calculations.

Loan Principal Amount UGX 10,000,000

UGX 500,000 UGX 50,000,000

Repayment Period (Months) 24 Months

3 Months 60 Months

Annual Interest Rate 12% p.a.

5% p.a. 24% p.a.

Reducing Balance (EMI) Flat Rate Method

ESTIMATED INSTALLMENT

UGX 470,735

per month

Principal Borrowed: UGX 10,000,000

Total Interest Payable: UGX 1,297,634

Total Payment: UGX 11,297,634

Deploy Pearl SACCO for Your SACCO

FLAGSHIP 02 • INDUSTRIAL IOT

Pearl IoT Nexus™ Hardware Telemetry Engine

A hardware-to-cloud ecosystem connecting remote edge sensors, automotive CAN-buses, and agricultural probes directly to high-throughput cloud dashboards with sub-25ms latency.

From Bare Silicon to Live Cloud Analytics

Connecting physical devices is notoriously prone to telemetry dropouts, hostile environmental conditions, and firmware lockups. Pearl IoT Nexus provides a battle-hardened hardware stack built on custom ESP32/STM32 modules with automated failover and encryption.

Ultra-Low Power Firmware: Consuming under 15µA in sleep mode, enabling solar-powered agricultural and cold-chain nodes to run for 5+ years continuously.

Industrial CAN-bus OBD-II Integration: Direct hardware frame decoding for heavy logistics trucks, tracking fuel consumption, RPM spikes, and driver behavior in real time.

Fail-Safe Dual-Partition OTA: Zero risk of bricked devices in the field. Firmware updates are cryptographically verified before boot and roll back automatically if watchdog timers fail.

Request IoT Architecture SOW

CUSTOM ARCHITECTURE

Need a Bespoke Solution Tailored to Your Stack?

Our software architects and hardware engineers can modify, extend, or design proprietary platforms specific to your organization's exact workflows.

Schedule Technical Consultation