Gravity 9.8 was formed to design and deliver scalable solutions (through collaboration with South African and global Fin/Edu/Health/Insure-Tech and Corporate partners) to enable Consumers, Businesses, and Communities in both formal and informal markets. We have two key innovations: 1. The real-time digitisation of physical cash into digital currency. Available as an API white labelled capability, or a channel as a service vendor partnership option. 2. A fully integrated mobile money and payments stack offering remote customer onboarding and KYC/FICA, and full back office administration and reconciliation.