Millions of Filipinos in remote provinces have no bank branch, no ATM, and no reliable internet. We build the platform that lets financial institutions reach them anyway.
In BARMM, the Cordilleras, and island provinces, the nearest bank branch can be a day-long boat ride away. Traditional digital banking solutions assume smartphones and stable 4G — assumptions that don't hold in these communities.
Rural banks, cooperatives, and microfinance institutions want to serve these areas. What they lack is affordable technology that works offline, on basic phones, and at the community level.
Impact Banking gives FSPs a turnkey, white-label digital banking platform accessible through SMS, web, and REST API. No smartphone required.
We don't compete with your institution — we power it. Your brand, your rates, your rules. We provide the technology, compliance engine, and multi-channel infrastructure.
To make community-scale digital banking accessible, affordable, and deployable for every financial institution in the Philippines — regardless of their technical capacity.
A Philippines where geographic isolation is no longer a barrier to financial services — where every community has access to savings, transfers, and credit through channels that work for them.
We're not another neobank. We're a platform for the institutions that already serve these communities.
SMS banking works on any phone, on any network, with minimal data. Members can bank without a smartphone or reliable internet.
Your members see your brand, not ours. We're invisible infrastructure — you own the customer relationship.
KYC levels, audit trails, transaction limits, and reporting — all aligned with Bangko Sentral ng Pilipinas circulars.
Deploy field agents with float accounts, token issuance, and redemption — extending your reach beyond branches.
Each institution gets its own PostgreSQL schema. Your data never mixes with another tenant's — ever.
Designed for Philippine geography, regulations, currencies, and languages (English, Filipino, Cebuano).
Impact Banking is a product of Pocket Pass Digital, a Philippine-based technology company building digital tools for financial inclusion.
One Global Place, BGC Taguig, Philippines 1630
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Impact Banking — Community BaaS platform
Let's bring digital banking to the communities that need it most.