Tap uses a token.
Send uses a name.

Two products on one embed. Merchant tap is contactless. A send to a name is paid over Visa Direct or Mastercard Send, with PesaLink as the fallback. RELI never holds the money.

1. 01

   Radio — NFC

   Near-field transport. Moves bytes between a phone and a terminal within 4 cm.

   Hardware vendors

2. 02

   Contactless

   The protocol on top of NFC. Visa and Mastercard each have their own contactless profile. Nobody replaces this layer.

   Card networks

3. 03

   Card emulation

   Secure Element or Host Card Emulation. To the terminal they behave identically.

   OEMs & processors

4. 04

   Tokenisation

   Till payments use a network token instead of the card number, and the design keeps card numbers off the device.

   Visa VTS · Mastercard MDES

5. 05

   Provisioning — Reli

   Android HCE first. Apple Pay and Google Wallet on the roadmap, subject to approvals.

   Through the issuer's scheme membership, subject to approval

await Reli.tap.enable({
  issuer: bank.bin,
  cardRef: existingDigitalCard.id,
  channels: ["hce"],
});

await Reli.handle.claim({ personId, handle: "wanjiku" });

await Reli.send.toHandle({ fromCard, handle: "amani", amountKes: 2000 });