M-Pesa, Kenya (2007)
Safaricom launched M-Pesa, a mobile money service that let Kenyans transfer value via SMS through a network of agents, without needing bank accounts.
M-Pesa reached tens of millions of users within years and became Kenya's dominant payments rail.
It became the global model for mobile money in emerging markets, showing mass adoption requires simplicity and a dense cash-out network.
The benchmark Sivar is trying to reach: a payments app adopted by ordinary people, not just crypto enthusiasts.
