Kotani Pay is growing to serve users around Africa. However, users in different countries rely on different Mobile Network Operators. They are looking to integrate with other mobile networks such as MTN to increase the customer base. This grant will enable us to pursue this and related integration. They will build a Customer Service Management System to smooth the interaction of users cashing out of our system and our platform. Additionally, they will add on De-Fi elements to the platform to offer a wide range of financial services to those accessing the blockchain via USSD. They will work on an API to allow end users to deposit funds as in lending pools, and DeFi Smart Contracts (Savings and Lending feature) to allow end users to save (lock up cUSD with value addition e.g. earn interest, build credit history e.t.c) and lend cUSD to earn interest from borrowers