Agent Network & CICO
What to Expect
Deploy and operate a cash-in/cash-out network in Morocco. Chari Money combines its own network of proximity agents (grocery stores, kiosks, neighborhood shops) with CICO points from partner institutions, delivering nationwide coverage. Agents are recruited, trained, and equipped to offer cash deposit and withdrawal operations, and serve as a distribution channel for all value-added services on the platform. The model works in two steps: digital payment account opening with KYC/KYB, followed by structured training on CICO operations, liquidity management, and service quality standards.
Key features:
Agent onboarding: Agents join the Chari network in two simple steps.
Agent account opening:Payment accounts created for each agent via a fully digital KYC/KYB process, with immediate access to regulated financial services and real-time balance management
Training and onboarding:Training program covering CICO operations, service quality standards, and regulatory compliance
Own network + partner networks : Beyond its own proximity agent network, Chari leverages CICO points from other licensed institutions, forming nationwide cash-in/cash-out coverage
Cash-in / Cash-out : Consumers can deposit and withdraw cash through cards, agent network, or bank transfers. Structured CICO operations with built-in liquidity management
Monitoring and incentives : Agent performance tracking and incentive mechanisms to ensure a sustainable, reliable network with consistent service quality
Distribution channel : The agent network serves as the distribution channel for all value-added services, transfers, top-ups, bill payments, insurance, vouchers, and more
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