What is Konekte and how does it work?

Konekte is Haiti's all-in-one digital platform. It powers digital commerce, event ticketing, NGO humanitarian campaigns, business payments, and digital asset management. Users can shop the marketplace, buy vouchers, discover events, support NGO campaigns, accept business payments, and manage digital assets — all across all 10 departments of Haiti.

Is Konekte safe and secure?

Yes. Konekte uses encrypted data transmission, secure Stripe checkout, and a network of verified merchants to protect every transaction. All voucher and ticket transactions are fully traceable for accountability and transparency.

How do I buy a digital voucher on Konekte?

Visit konekte.org, choose a voucher amount, select a department and merchant, then complete the secure checkout. The digital voucher is delivered instantly via SMS to the recipient — no account required for the buyer.

Can NGOs use Konekte for aid distribution in Haiti?

Yes. Konekte provides NGOs and humanitarian organizations with a transparent campaign management platform — including beneficiary tracking, digital voucher distribution, evidence library, and impact reporting. NGOs can distribute aid with full accountability and track every step.

Can I create and sell event tickets on Konekte?

Yes. Konekte offers a complete event ticketing platform — create events, sell tickets, manage gate check-in with QR scanning, view real-time analytics, and access organizer intelligence tools. Event organizers can apply through the platform to get started.

Can businesses accept payments through Konekte?

Yes. Konekte provides business payment tools — accept payments, issue payment requests, integrate checkout flows into your website or app, and access developer-friendly APIs. Businesses can register through the business portal to get started.

Can I shop on the Konekte marketplace?

Yes. The Konekte Marketplace lets you browse and buy products from verified local merchants across all 10 departments of Haiti — supporting local economic inclusion and community commerce.

What is the Konekte Digital Vault?

The Digital Vault is your personal secure space for managing tickets, vouchers, receipts, and digital assets purchased or received through Konekte. All items are organized and accessible in one place.

How does Konekte support local economic empowerment in Haiti?

Konekte builds a verified merchant ecosystem across Haiti, channeling commerce directly to local businesses. By connecting diaspora supporters, NGOs, event organizers, businesses, and community organizations through one platform, Konekte promotes economic inclusion and community resilience.

Platform Portfolio

Living executive documentation of Haiti's digital financial platform — capabilities, governance, and engineering evolution.

Version 14.0.0-GA·Readiness 93/100·Certified 2026-07-12

1Executive Overview

Konekte is Haiti's first comprehensive digital financial platform — a multi-domain ecosystem providing wallet services, payments, commerce, humanitarian aid distribution, and agent-based cash infrastructure to a population of 11+ million people with limited banking access.

Mission

To provide accessible, secure, and affordable digital financial services to every Haitian — connecting people, businesses, and communities through technology.

Vision

To become Haiti's primary digital financial infrastructure — the platform through which commerce, aid, and financial services flow for an entire nation.

14.0.0-GA

Production Version

93/100

Platform Readiness

2026-07-12

Certification Date

Production Blockers

Zero Critical Issues

All domains operational

Full Governance

47+ governance documents

24 Revenue Streams

Canonical financial model

2Platform Ecosystem

Konekte Domain Architecture

Wallet

95/100

Marketplace

93/100

Business Payments

96/100

Voucher

91/100

Agent Network

92/100

Split Payment

94/100

Treasury

90/100

Identity

97/100

Customer Assistance

88/100

Shared Platform Core Services

Wallet · Transaction · Treasury · Identity · Notification · SystemConfig · Audit · Recovery

Infrastructure

Base44 BaaS · Twilio · Stripe · DingConnect · FX Providers

Supplementary Domains

P2P Transfer— Person-to-person wallet transfer

Payment Request— Request money with monthly free quota

Airtime— Mobile airtime via DingConnect

Bank Deposit— HTG bank / USD Zelle deposits

Investor Relations— Equity fundraising, cap table, investor portal

Referral Program— User and agent referral rewards

Lending— Agent collateralized loans

Reward Points— Loyalty earn/redeem program

3Platform Capabilities

Wallet

Production95/100

Universal financial identity, balance management, PIN security, KYC verification, and transaction limits for every platform user.

Customers:All users

Multi-balance architectureOptimistic lockingKYC lifecyclePIN securityDaily/monthly limitsDepartmental segmentation

Marketplace

Production93/100

Escrow-based physical goods commerce with dual TAN verification, return lifecycle, and deferred settlement.

Customers:Buyers & sellers

Escrow hold/releaseDual TAN verificationReturn lifecycle (6-action)Commission trackingReward pointsDelivery management

Business Payments

Production96/100

API-first payment gateway with checkout, refunds, bank withdrawals, persistent QR, digital receipts, and webhook dispatch.

Customers:Businesses & enterprises

6-channel session creationUnified settlement pipelineRefund lifecycleBank withdrawalsDigital receiptsDeveloper API & webhooks

Voucher

Production91/100

Humanitarian and gift voucher platform with 4 acquisition channels, partner ecosystem, and treasury-mirrored sub-ledger.

Customers:NGOs, donors, diaspora

4 acquisition channelsPartner APINGO bulk distributionStripe integrationIn-app purchaseSMS delivery

Agent Network

Production92/100

Cash-in/cash-out infrastructure with multi-step approval journey, fraud detection, Super Agent hierarchy, and commission lifecycle.

Customers:Agents & communities

5-step approval journey5-rule fraud scannerSuper Agent hierarchyCommission lifecycle (72h hold)Cash transfer codesAgent analytics

Split Payment

Production94/100

Group expense splitting with token-based deep links, automatic expiry refunds, and PIN-verified settlement.

Customers:Groups & social

Token-based deep linksMulti-participant settlementAutomatic expiry refundsPIN verificationReal-time notifications

Treasury

Production90/100

Platform financial accounting with canonical double-entry ledger, BRH compliance reporting, FX engine, and overdraft monitoring.

Customers:Platform operations

Double-entry ledgerBRH compliance reportingFX pricing engineOverdraft monitoringRevenue classificationExpense tracking

Identity

Production97/100

Authentication, role-based access control (6 roles), admin audit logging with device/location capture, and account recovery.

Customers:Platform security

6-role RBAC50+ audit action typesDevice/location captureAccount recoverySession managementImpersonation controls

Customer Assistance

Production88/100

Multi-channel support ecosystem with AI chatbot, FAQ knowledge base (trilingual), help center, and human escalation.

Customers:All users

AI chatbot (deterministic + LLM)Trilingual FAQ (20+ categories)Role-gated contentHuman escalationWhatsApp agentTicket creation

4Platform Statistics

14.0.0-GA

Current Version

Core Domains

~120

Total Entities

~400

Backend Functions

Revenue Streams

External Integrations

AI Systems

40+

Admin Modules

Customer Portals

25+

API Endpoints

3 (HT/FR/EN)

Languages

52+

Governance Docs

Statistics reflect Version 14 GA production baseline as of 2026-09-02

5Architecture

4-Layer Platform Model

Presentation

Layer 1

18 surfaces — mobile/web app, portals, terminal, developer docs

Dashboard, Business Portal, Merchant Terminal, Investor Portal, Developer Portal

Application

Layer 2

9 domain-specific logic engines with defined boundaries

Settlement pipeline, escrow engine, voucher lifecycle, fraud scanner

Platform Core

Layer 3

12 shared services consumed by all domains

Wallet, Transaction, Treasury, Identity, Notification, SystemConfig

Infrastructure

Layer 4

Runtime, storage, external APIs, secrets

Base44 BaaS, Twilio, Stripe, DingConnect, FX providers

Domain Architecture

9 independent domains with defined entity ownership. No cross-domain writes. Interaction matrix documented.

Shared Core Services

12 platform services consumed by all domains: Wallet, Transaction, Treasury, Identity, Notification, and more.

Financial Governance

5-gate merge certification, 9 prohibited practices, canonical fee authority, 5 rounding policies.

Security

50+ audit action types, immutable transaction records, 5-rule fraud scanner, forensic protection.

Recovery

Lifecycle tracking (temporary → confirmed → rolled_back), integrity monitoring, daily snapshots.

Data Integrity

2026 Q3

Domain Architecture

Canonical domain architecture, platform layer model, financial governance framework codified.

2026-07-12

V14 GA Certification

Platform certified as production baseline. 93/100 readiness. Zero blockers.

9Technical Evolution

Major Architectural Decisions

ADR-001: Account Lifecycle (soft-delete only)
ADR-002: Portal Convergence
Financial Core Freeze Declaration
Domain-driven architecture adoption
4-layer platform model codification

Technical Debt Reduction

8 destructive cleanup functions retired
7 legacy functions replaced by dataIntegrityMonitor
Phone-only onboarding permanently removed
Name-based treasury resolution scheduled for V15
Client-side P2P fee calculation scheduled for V15

Version History

v1–v8

2024–2025

Foundation

v9–v11

2025–2026

Scale & Harden

v12–v13

2026 Q1–Q2

Financial Platform

v14 GA

2026 Q3

Production Baseline

Executive Appendices

Professional reference documentation for investors, partners, and due diligence

Konekte Platform Portfolio · Version 14.0.0-GA · Generated 2026-09-02

This is a living document that reflects the current production state of the Konekte platform.

Konekte — Haiti's Digital Commerce, Events & Community Platform

Konekte is Haiti's all-in-one digital platform — powering digital commerce, event ticketing, NGO humanitarian campaigns, business payments, and digital asset management across all 10 departments.

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Platform Portfolio

Contents

1Executive Overview

Mission

Vision

2Platform Ecosystem

Konekte Domain Architecture

Supplementary Domains

3Platform Capabilities

Wallet

Marketplace

Business Payments

Voucher

Agent Network

Split Payment

Treasury

Identity

Customer Assistance

4Platform Statistics

5Architecture

4-Layer Platform Model

Presentation

Application

Platform Core

Infrastructure

Domain Architecture

Shared Core Services

Financial Governance

Security

Recovery

Data Integrity

6Certifications

Version 14 GA Production

Business Payments Platform

Voucher Platform

Marketplace Architecture

Agent Network

Split Payment

Customer Assistance

Financial Governance

Architecture Baseline

Revenue Architecture

Ownership Architecture (ADR-003)

Platform Constitution

7Product Maturity Dashboard

Wallet

Marketplace

Business Payments

Voucher

Agent Network

Split Payment

Treasury

Identity

Customer Assistance

8Engineering Timeline

Platform Conception

Foundation

Agent Network

Marketplace Launch

Voucher System

Financial Hardening

Business Payments

Investor Relations

Recovery & Modernization

Domain Architecture

V14 GA Certification

9Technical Evolution

Major Architectural Decisions

Technical Debt Reduction

Version History

Executive Appendices