Schools lose a slice of every rand they collect to payment fees, and hours every week to admin that grows with every till and supplier. Korsie's finance agents collect, settle, restock and reconcile on the XRP Ledger for a flat 1%, inside limits your own people set.
A fee-paying school collects tuckshop sales, fees and top-ups through card machines, payment links and cash. Each channel takes its cut, none of them talk to each other, and the cost of running it all grows with every till, supplier and school.
Card machines, payment links and school payment apps take a cut of every tuckshop sale, fee and top-up. On a R20 tuckshop sale, a gateway's fixed fee alone can take more than 10%.
One system for the tuckshop, another for fees, another for payments, and none of them reconcile with each other.
Bursars match sales, deposits and bank statements in spreadsheets, and chase the gaps.
Each till, supplier and school brings more admin and more fees. Nothing gets cheaper as it grows.
On R100 000 a month of tuckshop sales
Up to R4 750 a month back in the school's budget, before counting the bursar's hours. An illustration at the rates above.
They do the repetitive, error-prone money work a school pays people and platforms for today, around the clock, and every choice they make can be checked.
Keeps tills selling, and closes each window on time
Instead of someone closing the till at every break, and at weekend events
Settles every break in one payment
Instead of reconciling the tills against the bank by hand
Restocks the tuckshop, paying per order by x402
Instead of phoning suppliers and paying invoices one by one
Keeps Korsie's fee accounts funded
Instead of someone watching balances and topping up accounts
Tops up a learner, and pays school fees, from family abroad
Instead of sending money home every week
Turns whatever families pay in into the school's currency
Instead of a forex fee, a remittance counter and a payment reference someone mistyped
Collects school fees kindly, and takes nothing
Instead of matching bank statements line by line, and chasing families by hand
Watches every agent and can pause any of them
Instead of finding fraud at month-end
Every agent asks Node to choose between options code has already priced, and Node says why. It never sees a key, never writes a payment and can't change a limit. The policy engine and the signer check every choice before any money moves.
Waiting for an agent to ask
Node chooses. Code checks. The ledger enforces.
Korsie answers each one with something a person controls, and the hardest limits sit on the XRP Ledger, where no agent and no bug in our code can get around them.
What the mandate a person signed says: which actions, how much a payment and a week, which hours, and above what a person approves. People change limits outside the agent.
Only payees that mandate names, and only while Korsie's credential for each is on the XRP Ledger. Withdraw one, and every agent stops paying that account.
Pause it, and the signer refuses everything. Or take its key away on the ledger: its account's owner holds the master key, and the XRP Ledger then refuses anything the agent signs.
Every decision is sealed with what the agent saw, its options, who chose and why. Every transaction carries that decision's hash, so anyone can check it against the ledger.
We needed payments that settle in seconds for a fraction of a cent, pay many people at once, and carry limits no agent can get around. The XRP Ledger does all of it natively, and Ripple is building in Africa.
Settling a whole break, five payments in one transaction, cost 84 drops: 0.000084 XRP. Card machines take a percentage of every sale.
A settled break on testnetA new ledger closes every 3 to 5 seconds, so a break is paid out moments after the bell, not days later, and the bursar's file is final.
Batch pays the tuckshop operator, the school, Korsie's fee and the feeding scheme in one transaction. Either everyone is paid, or no one is.
A five-leg Batch on testnetA payment channel caps what the procurement agent can spend, permission delegation lets a family lend one right and take it back, and each agent's account owner can take its key away. None of it depends on our code.
The stock budget channel on testnetRLUSD keeps cross-border value steady, and the ledger's AMM swaps it for XRP within a price limit. Parents still see rands.
With x402, the procurement agent pays a supplier's API per order, with the invoice bound to its decision.
An order paid by x402 on testnetThe rails are arriving where our schools are. Ripple brought RLUSD to Africa in September 2025 through Chipper Cash, VALR and Yellow Card, and in October 2025 South Africa's Absa Bank chose Ripple's technology for digital asset custody.
We're starting where we live: fee-paying South African schools, tuckshops that sell in rands, and families abroad who send pocket money home. Korsie is designed for African schools from the first tap.
A testnet trial with the full team of agents. The beta is open to schools, tuckshop operators, parents, families abroad and suppliers.
Join the betaThe same agents, mandates and ledger, for schools, tuckshops and families in more African markets.
We tried four ways around the stock budget: an overdraw, self-funding, a forged open and a wrong key. The XRP Ledger refused all four.
Each agent works inside a mandate a person signed. The person who signed changes the limits; agents never can.
It watches every agent account live and pauses an agent in seconds. Only a person can resume it.
Each payment carries the hash of the decision behind it. Your browser can check both against the ledger.
We're inviting a small group of South African schools, tuckshops, families and suppliers to trial Korsie with us. No real money moves in the trial.