We have built E-payment platforms currently being used to collect Payments offline via short codes. Platforms for lending and the collection of loan payments. We have also developed for some of our Pan African clients a payment platform that serves as a layby platform providing guaranteed custody of funds forwarded for payments by customers using such E-commerce platforms, this payment platform also provides Insurance as well as an option for arbitration when there are unresolved issues between the purchasers (customers) and the seller (suppliers) of the product who would wish that An Arbitration be entered into to resolve any issues between customers and suppliers who used the payment platform.