{"id":940,"date":"2021-01-27T01:48:29","date_gmt":"2021-01-27T01:48:29","guid":{"rendered":"https:\/\/www.reloadly.com\/blog\/?p=940"},"modified":"2021-10-05T10:55:31","modified_gmt":"2021-10-05T10:55:31","slug":"what-is-airtime-money-transfer","status":"publish","type":"post","link":"https:\/\/www.reloadly.com\/blog\/what-is-airtime-money-transfer\/","title":{"rendered":"What is an Airtime Money Transfer: Inclusive Mobile Remittances Explained"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_46 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69d1622800bc4\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #000000;color:#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #000000;color:#000000\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d1622800bc4\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-visibility-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.reloadly.com\/blog\/what-is-airtime-money-transfer\/#An_airtime_money_transfer_means_avoiding_inefficient_financial_regulation_and_monetary_instability\" title=\"An airtime money transfer means avoiding inefficient financial regulation and monetary instability\">An airtime money transfer means avoiding inefficient financial regulation and monetary instability<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.reloadly.com\/blog\/what-is-airtime-money-transfer\/#Airtime_wallets_are_accessible_safe_and_anonymous\" title=\"Airtime wallets are accessible, safe and anonymous\u00a0\">Airtime wallets are accessible, safe and anonymous\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.reloadly.com\/blog\/what-is-airtime-money-transfer\/#Final_thoughts_Enabling_inclusive_airtime_money_transfers\" title=\"Final thoughts: Enabling inclusive airtime money transfers\">Final thoughts: Enabling inclusive airtime money transfers<\/a><\/li><\/ul><\/nav><\/div>\n<p><span style=\"font-weight: 400;\">The ubiquity of mobile phones has transformed airtime credit into a global currency that has redefined what an airtime money transfer can mean for remittances.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This alternative currency is especially viable in Africa, Latin America and Asia, where a lack of inclusive cross-border transfer solutions and the dominance of prepaid mobile plans makes airtime credit a<\/span><b> valuable and easily tradable commodity.\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">But what <\/span><i><span style=\"font-weight: 400;\">exactly<\/span><\/i><span style=\"font-weight: 400;\"> is an airtime money transfer, you may ask?\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The use case is simple and transformative, especially when one is looking to serve customers that lack inclusive ways to receive money transfers in their home country:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Airtime (and data top-up) credits are the currency of the global mobile network.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Acting as a commodity, airtime can be collected and stored as a value in mobile wallets.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Airtime has a strong appeal as a cashless transfer of value for goods in services, both domestically and as international remittances.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Today, it is as an <\/span><a href=\"https:\/\/www.reloadly.com\/blog\/international-money-transfer-solutions\/\"><span style=\"font-weight: 400;\">international remittance solution<\/span><\/a><span style=\"font-weight: 400;\"> that airtime money transfers are receiving the most attention from the business world, and for all the right reasons.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Over the past decade, the use of airtime and data top-ups as cross-border remittances has exploded.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In 2019, it was estimated that airtime money transfers used as <\/span><b>cross-borders remittances reached <\/b><a href=\"https:\/\/www.juniperresearch.com\/press\/press-releases\/mobile-international-remittances-exceed-25bn-2018\"><b>$25 billion<\/b><\/a><span style=\"font-weight: 400;\">, up from just $700 million in 2012.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Most stunningly, that still accounts for<\/span><b> just a small fraction of the potential global prepaid airtime market<\/b><span style=\"font-weight: 400;\">, which was worth an astounding $260 billion the same year.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Today, over 1.6 billion people remain <\/span><a href=\"http:\/\/www.globalfindex.worldbank.org\/\"><span style=\"font-weight: 400;\">unbanked<\/span><\/a><span style=\"font-weight: 400;\"> across the world. Yet, most of these people own mobile phones with prepaid plans, making airtime credit<\/span><b> the best conduit for international transfers<\/b><span style=\"font-weight: 400;\"> to recipients least served by our current global financial system.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For this portion of the world\u2019s population, airtime transfers are <\/span><b>the most convenient, inclusive and reliable money solution<\/b><span style=\"font-weight: 400;\"> for receiving, sending and trading value.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Where other commodities are impractical, airtime top-up credit allows:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A viable alternative global currency for cross-border money transfers<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">An easily exchangeable commodity for cash thanks to <\/span><a href=\"https:\/\/investinganswers.com\/dictionary\/p\/person-person-payments-p2p\"><span style=\"font-weight: 400;\">peer-to-peer transactions<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A widely accepted value for prominent \u201cairtime economy\u201d services, such as <\/span><a href=\"https:\/\/itweb.africa\/content\/O2rQGMApdej7d1ea\"><span style=\"font-weight: 400;\">taxis<\/span><\/a><span style=\"font-weight: 400;\"> and even life <\/span><a href=\"https:\/\/www.cgap.org\/blog\/freemium-spawning-insurance-market-ghana\"><span style=\"font-weight: 400;\">insurance<\/span><\/a><span style=\"font-weight: 400;\">, as well as in exchange for <\/span><a href=\"https:\/\/www.reloadly.com\/mobile-phone-rewards\"><span style=\"font-weight: 400;\">rewards<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In this article, we\u2019ll review what benefits of an airtime money transfer solution make this use case so viable to certain parts of the globe.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Importantly, <\/span><b>unique political circumstances, a lack of financial inclusion and the booming growth in mobile top-up transfers<\/b><span style=\"font-weight: 400;\"> all play a significant role.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"An_airtime_money_transfer_means_avoiding_inefficient_financial_regulation_and_monetary_instability\"><\/span><span style=\"font-weight: 400;\">An airtime money transfer means avoiding inefficient financial regulation and monetary instability<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-898 \" src=\"https:\/\/www.reloadly.com\/blog\/wp-content\/uploads\/2020\/03\/rodion-kutsaev-0VGG7cqTwCo-unsplash-150x150.jpg\" alt=\"what is airtime money transfer\" width=\"274\" height=\"274\" \/>Airtime and data top-up credits are especially viable as cross-border remittances to countries that suffer from heavy currency volatility and that implement many controls.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In a world of heavily fragmented financial and monetary policies, airtime money transfers offer a solution to <\/span><b>bypass these heavily regulated territories<\/b><span style=\"font-weight: 400;\"> to enable customers to continue sending and receiving money, no matter where they are.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, at the end of 2020, the <\/span><a href=\"https:\/\/www.reuters.com\/article\/nigeria-money-idAFL1N2IX1BM\"><span style=\"font-weight: 400;\">Central Bank of Nigeria<\/span><\/a><span style=\"font-weight: 400;\"> made it harder for international remittance services to send money from USD to naira values, ostensibly to reduce arbitrage incidents in foreign currency exchanges.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In Nigeria, however, <\/span><b>airtime money transfers are still able to be remitted<\/b><span style=\"font-weight: 400;\">, where they are then conveniently used or converted into naira on the other side.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">What\u2019s more, the infrastructure for using and exchanging airtime top-up credit in Africa has long been established.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In 2013, The Economist published an article titled \u201c<\/span><a href=\"https:\/\/www.economist.com\/finance-and-economics\/2013\/01\/19\/airtime-is-money\"><span style=\"font-weight: 400;\">Airtime is money<\/span><\/a><span style=\"font-weight: 400;\">, illustrating that in countries such as <\/span><a href=\"https:\/\/operators.reloadly.com\/mtn-orange-moov-cote-divoire-airtime-api\/\"><span style=\"font-weight: 400;\">C\u00f4te d\u2019Ivoire<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/operators.reloadly.com\/vodafone-orange-etisalat-telecom-egypt-airtime-api\/\"><span style=\"font-weight: 400;\">Egypt<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/operators.reloadly.com\/mtn-airteltigo-vodafone-glo-ghana-airtime-api\/\"><span style=\"font-weight: 400;\">Ghana<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/operators.reloadly.com\/mtn-glo-airtel-9mobile-nigeria-airtime-api\/\"><span style=\"font-weight: 400;\">Nigeria<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/operators.reloadly.com\/safaricom-airtel-telkom-kenya-airtime-api\/\"><span style=\"font-weight: 400;\">Kenya<\/span><\/a><span style=\"font-weight: 400;\">, and <\/span><a href=\"https:\/\/operators.reloadly.com\/mtn-airtel-africell-uganda-telecom-smile-uganda-airtime-api\/\"><span style=\"font-weight: 400;\">Uganda<\/span><\/a><span style=\"font-weight: 400;\"> airtime is used as a highly liquid form of currency, easily exchangeable for everyday products and services.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In most cases, the rise of airtime as a currency has followed its popular use as a cross-border transfer of value. Since 2013, as noted above, the global use of airtime money transfers has witnessed exponential growth.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cThe use of airtime as currency is fueled by the growing ease of sending minutes abroad,\u201d says the Economist.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In the case of some other countries, the airtime economy infrastructure has come as part of a grave, existential necessity.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, in <\/span><a href=\"https:\/\/operators.reloadly.com\/econet-netone-telecel-zimbabwe-airtime-api\/\"><span style=\"font-weight: 400;\">Zimbabwe<\/span><\/a><span style=\"font-weight: 400;\">, the ongoing tragedy of hyperinflation has continuously decimated the value of the local Zimbabwean dollar (both previous and new incarnations of the Zim dollar) for years.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In these extreme market conditions, shops are periodically forced to short-change customers when they don&#8217;t have enough of any one of the given low-domination values of the eight currencies in circulation, leading to economic inefficiency and salt in the wound for an already suffering populace.\u00a0<\/span><\/p>\n<p><b>However, airtime as a money transfer provides a welcoming solution to this monetary chaos. <\/b><span style=\"font-weight: 400;\">Airtime is an easy way to trade value during such economic crises, as well as a means for friends and family to remit money to Zimbabweans in a manner that they know will be safe and useful.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In the case of <\/span><a href=\"https:\/\/operators.reloadly.com\/movilnet-movistar-digitel-venezuela-airtime-api\/\"><span style=\"font-weight: 400;\">Venezuela<\/span><\/a><span style=\"font-weight: 400;\">, citizens face a dual challenge &#8212; highly restricted money movements and hyperinflation.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Beyond the already horrible collapse in purchasing power, Venezuela\u2019s centrally controlled monetary system has also created bifurcated financial realities, where black market prices are astronomically higher when compared to those listed by the official exchange rate.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The result has been the increasing disuse of the local bolivar currency in exchange for rapid adoption in alternative currencies, including bitcoin and mobile airtime credit.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These systems have established parallel economies that operate in place of a stable monetary system.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this way, <\/span><b>the humble airtime credit has provided a means to support the livelihoods of countless Venezuelans<\/b><span style=\"font-weight: 400;\"> that would have otherwise been sidelined and suffering even more from economic misfortune.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Airtime_wallets_are_accessible_safe_and_anonymous\"><\/span><span style=\"font-weight: 400;\">Airtime wallets are accessible, safe and anonymous\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Conducting an airtime money transfer is such a powerfully inclusive remittance solution because even the world\u2019s most isolated and poorest people can easily set up a mobile account.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Unlike opening a mobile money account, which can take days and requires an ID, consumers can use airtime credit immediately and without much restriction. Indeed, all a user needs to do is set up a password for airtime sharing using USSD &#8212; and they don\u2019t even need the internet.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is a great benefit to users that are the least served by current remittance systems.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cAirtime has value, and this value can be transmitted,\u201d writes Sunduzwayo Madise of the University of Malawi in his research paper titled <\/span><a href=\"https:\/\/www.researchgate.net\/publication\/274380482_Mobile_Money_and_Airtime_Emerging_Forms_of_Money\"><span style=\"font-weight: 400;\">\u201cMobile Money and Airtime: Emerging Forms of Money.\u201d<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cThis transmission does not go through any foreign exchange regulatory agency or intermediary. It is all via the telecommunications network of the mobile phone provider.\u201d\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This provides a safe means to transfer value, as the remittance is done through encrypted global MNO infrastructure.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The same infrastructure also makes the sender\u2019s and recipient\u2019s identity anonymous.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here, The Economist has pointed out that the anonymity behind airtime money transfers has the potential to hide illegal purchases and the illicit movement of funds, similar to the transfer of cryptocurrencies to crypto wallets.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, in the case of airtime money transfers, international groups like the <\/span><a href=\"https:\/\/www.fatf-gafi.org\/\"><span style=\"font-weight: 400;\">Financial Action Task Force<\/span><\/a><span style=\"font-weight: 400;\"> are developing programs to curtail any illegal activity and help better regulate alternative remittance solutions.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Today, while airtime money transfers will remain <\/span><b>the most inclusive way to send money <\/b><span style=\"font-weight: 400;\">across the world, it is important to note here that their use as a medium of exchange is \u201cauxiliary,\u201d as Professor Madise explains.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In essence, the P2P exchange of airtime for goods or cash depends on the supply of airtime in a given village or locale.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, if someone receives 100 Zambian kwacha in airtime credit in a village where there is a lack of supply of mobile credit vendors, then this transfer can be traded for a higher price.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It follows that, in a situation of oversupply of airtime credit, the reverse market condition would hold true.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nonetheless, the world\u2019s poor and unbanked are likely to experience a situation of undersupply, making airtime remittances a likely way to add value to the end user\u2019s final holdings.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Final_thoughts_Enabling_inclusive_airtime_money_transfers\"><\/span><span style=\"font-weight: 400;\">Final thoughts: Enabling inclusive airtime money transfers<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Offering customers an inclusive remittance service now demands that online platforms integrate and operate better airtime top-up solutions.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Reloadly offers the world\u2019s first developer-centric cloud platform dedicated to transferring airtime top-ups, enabling a simple solution to complex coding that allows you and your developers to set up an API or widget to broaden your remittance solutions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Furthermore, by using Reloadly\u2019s SDK, you\u2019ll be able to completely customize a <\/span><a href=\"https:\/\/www.reloadly.com\/remittance-solutions\"><span style=\"font-weight: 400;\">remittance solution<\/span><\/a><span style=\"font-weight: 400;\"> and payment gateway that best fits your business.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Reloadly\u2019s airtime API provides a zero-fee solution for sending airtime money transfers to over 140 countries in over 100 currencies.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Our technology can be used without any contract, and airtime top-ups can be sent for values as low as $0.50.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Airtime as a money transfer provides a welcoming solution to financial infrastructure challenges.<\/p>\n","protected":false},"author":13,"featured_media":1458,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[216],"tags":[236,235],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v15.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is an Airtime Money Transfer: Inclusive Remittances Explained<\/title>\n<meta name=\"description\" content=\"What is an airtime money transfer and how does it create more inclusive remittance solutions? 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