Cash-In Cash-Out (CICO) in Morocco
Access Morocco's most extensive cash-in/cash-out network through ChariBaaS. Combining Chari's own proximity agents with DamaneCash, ChaabiCash, and Tashilat partner networks, the platform delivers nationwide coverage for cash deposits and withdrawals — with real-time tracking and agent performance monitoring.
What is it?
Cash-In/Cash-Out (CICO) is the physical infrastructure that bridges cash and digital finance. It enables users to deposit cash into digital wallets (cash-in) and withdraw digital funds as physical cash (cash-out) at agent locations — grocery stores, kiosks, and neighborhood shops. CICO is essential for financial inclusion in markets where cash remains dominant.
Why ChariBaaS?
ChariBaaS operates Morocco's most extensive CICO network under Bank Al-Maghrib regulation, combining proprietary agents with licensed partner networks (DamaneCash, ChaabiCash, Tashilat). The agent model is proven for cash-dominant markets across Africa and MENA. Real-time monitoring, performance tracking, and incentive mechanisms ensure consistent service quality. The network doubles as a distribution channel for value-added services — a model replicable across emerging markets.
How ChariBaaS addresses this
ChariBaaS deploys and operates the most extensive CICO network in Morocco. Agents are recruited, KYC-verified, trained on CICO operations and liquidity management, and equipped to handle deposits, withdrawals, and value-added services. The platform provides real-time monitoring, performance tracking, and incentive mechanisms. The network combines Chari's own agents with CICO points from DamaneCash, ChaabiCash, and Tashilat.
Related services
Agent Network & CICO
Deploy and operate Morocco's most extensive cash-in/cash-out network. Chari's own agents combined with DamaneCash, ChaabiCash, and Tashilat partner networks — nationwide coverage with real-time tracking.
Learn morePayment Accounts & Wallets
Compliant payment accounts & wallets with Moroccan IBANs. Fully digital account opening via phone number with built-in KYC/KYB. Real-time balance, transaction history, and fund management — all accessible via API.
Learn moreValue-Added Services
Bill payments, mobile top-ups, digital vouchers, money transfers, and more — managed end-to-end by the platform. Available through the agent network or digitally.
Learn moreOnboarding KYC / KYB
Onboard customers in under five minutes — securely and compliantly. Tiered KYC levels (1,000 to 100,000 DH), automated identity verification with document scanning and facial recognition, and full lifecycle management.
Learn morePayments and Bank Transfers
P2P and P2B transfers by phone number or RIB, direct debits, automated payouts — all through fast, secure APIs. Built to scale with your activity.
Learn moreUse cases
Mobile money operators
Leverage the existing agent network to offer cash-in/cash-out for your mobile wallet users without building your own network.
Fintech & neobanks
Give your digital-only customers access to cash operations at thousands of agent locations nationwide.
Bill payment & utilities
Distribute bill payment and utility collection services through the agent network across Morocco.
Remittance providers
Enable cash pick-up for international and domestic money transfers at agent locations.
Frequently asked questions
CICO is the physical network of agent locations where users can deposit cash into digital wallets (cash-in) and withdraw digital funds as physical cash (cash-out). It bridges the gap between cash and digital financial services.
ChariBaaS operates Morocco's most extensive CICO network, combining Chari's own proximity agents (grocery stores, kiosks, shops) with partner networks from DamaneCash, ChaabiCash, and Tashilat.
Agents serve as a distribution channel for value-added services: money transfers, mobile top-ups, bill payments, digital vouchers, insurance distribution, and e-government payments.
Agents go through a two-step process: digital account opening with KYC/KYB verification, followed by training on CICO operations, liquidity management, and service quality standards.
See also
Digital Wallet & E-Wallet in Morocco
Digital wallet and e-wallet with Moroccan IBANs. Fully digital opening, real-time balances, agent network cash-in/cash-out, Visa card linking, and value-added services. ChariBaaS.
Banking as a Service in Morocco
ChariBaaS is Morocco's modular Banking as a Service platform. Payment accounts, wallets, KYC/KYB, card issuing, POS acquiring, agent network — all via API.
TPE in Morocco: POS Terminal & Soft POS
TPE and Soft POS solutions in Morocco. White-label hard POS terminals and NFC smartphone payments. Visa, Mastercard, contactless. ChariBaaS in-store acquiring.