ACPAS Signs Multi-Phase Development Deal with Leading Pan-African Finance Group to Launch Customized Lending Solutions
UPAY Inc. (OTCQB: UPYY) announced that its South African subsidiary, ACPAS, has secured a significant multi-phase development agreement with a major pan-African financial services group to launch digital lending solutions in South Africa.
The three-phase project encompasses: custom development of a tailored ACPAS version, creation of an online lending website, and enhancements to the ACPAS Loan Management Software. The revenue model is transaction-based, aligning ACPAS's growth with the lender's market expansion.
The platform will provide streamlined credit origination, real-time loan management, and scalable backend support, incorporating strict compliance protocols and advanced risk management safeguards aligned with South African regulations.
UPAY Inc. (OTCQB: UPYY) ha comunicato che la sua controllata sudafricana, ACPAS, ha ottenuto un importante contratto di sviluppo a fasi con un grande gruppo di servizi finanziari paneuropeo per lanciare soluzioni di prestito digitale in Sudafrica.
Il progetto, articolato in tre fasi, prevede lo sviluppo personalizzato di una versione su misura di ACPAS, la realizzazione di un sito web per prestiti online e potenziamenti al software di gestione prestiti ACPAS. Il modello di ricavo sarà basato sulle transazioni, collegando la crescita di ACPAS all'espansione sul mercato del cliente prestatore.
La piattaforma offrirà un processo di erogazione del credito semplificato, gestione dei prestiti in tempo reale e un backend scalabile, integrando rigorosi protocolli di conformità e avanzati strumenti di gestione del rischio conformi alla normativa sudafricana.
UPAY Inc. (OTCQB: UPYY) anunció que su filial sudafricana, ACPAS, ha conseguido un importante acuerdo de desarrollo por fases con un gran grupo paneafricano de servicios financieros para lanzar soluciones de préstamos digitales en Sudáfrica.
El proyecto de tres fases abarca el desarrollo a medida de una versión personalizada de ACPAS, la creación de un sitio web de préstamos en línea y mejoras en el software de gestión de préstamos ACPAS. El modelo de ingresos será por transacción, alineando el crecimiento de ACPAS con la expansión del prestamista en el mercado.
La plataforma proporcionará procesos de originación de crédito simplificados, gestión de préstamos en tiempo real y soporte de backend escalable, incorporando estrictos protocolos de cumplimiento y avanzadas salvaguardas de gestión de riesgos conforme a la normativa sudafricana.
UPAY Inc. (OTCQB: UPYY)는 자회사 ACPAS(남아프리카 공화국 지사)가 남아공에서 디지털 대출 솔루션을 출시하기 위해 대형 범아프리카 금융 그룹과 다단계 개발 계약을 체결했다고 발표했습니다.
세 단계로 진행되는 이번 프로젝트에는 맞춤형 ACPAS 버전 개발, 온라인 대출 웹사이트 구축, ACPAS 대출 관리 소프트웨어 개선이 포함됩니다. 수익 모델은 거래 기반으로, ACPAS의 성장이 대출 기관의 시장 확대와 연동되도록 설계되었습니다.
이 플랫폼은 간소화된 신용 심사, 실시간 대출 관리 및 확장 가능한 백엔드 지원을 제공하며, 남아프리카 규정에 부합하는 엄격한 준수 프로토콜과 고급 리스크 관리 장치를 통합합니다.
UPAY Inc. (OTCQB: UPYY) a annoncé que sa filiale sud-africaine, ACPAS, a décroché un important accord de développement en plusieurs phases avec un grand groupe de services financiers panafricain pour lancer des solutions de prêt numérique en Afrique du Sud.
Le projet en trois phases comprend le développement sur mesure d'une version adaptée d'ACPAS, la création d'un site de prêt en ligne et des améliorations du logiciel de gestion de prêts ACPAS. Le modèle de revenus reposera sur les transactions, alignant la croissance d'ACPAS avec l'expansion du prêteur sur le marché.
La plateforme offrira une origination de crédit rationalisée, une gestion des prêts en temps réel et un support backend évolutif, en intégrant des protocoles stricts de conformité et des dispositifs avancés de gestion des risques conformes à la réglementation sud-africaine.
UPAY Inc. (OTCQB: UPYY) gab bekannt, dass seine südafrikanische Tochtergesellschaft ACPAS einen bedeutenden mehrphasigen Entwicklungsauftrag mit einer großen panafrikanischen Finanzgruppe zur Einführung digitaler Kreditlösungen in Südafrika erhalten hat.
Das dreiphasige Projekt umfasst die maßgeschneiderte Entwicklung einer auf ACPAS zugeschnittenen Version, die Erstellung einer Online-Kredit-Website sowie Verbesserungen der ACPAS-Darlehensverwaltungssoftware. Das Erlösmodell ist transaktionsbasiert und verknüpft das Wachstum von ACPAS mit der Marktexpansion des Kreditgebers.
Die Plattform wird einen straffen Kreditursprungsprozess, Echtzeit-Darlehensverwaltung und skalierbare Backend-Unterstützung bieten und dabei strenge Compliance-Protokolle sowie fortschrittliche Risikomanagementmaßnahmen gemäß südafrikanischen Vorschriften integrieren.
- Revenue structure based on transactional income provides scalable growth potential
- Partnership with established pan-African financial group enhances market credibility
- Comprehensive IP protection and confidentiality agreements secure proprietary technology
- Expansion into South African market through established financial institution
- Heavy dependence on successful market entry of partner in South Africa
- Revenue generation tied to partner's transaction volume performance
JOHANNESBURG and DALLAS, Sept. 04, 2025 (GLOBE NEWSWIRE) -- UPAY Inc. (OTCQB: UPYY), a U.S.-based fintech innovator, today announced that its South African subsidiary, Automated Credit Provider Administration System (“ACPAS”), has signed a multi-phase development deal with a prominent pan-African financial services group. This group, active across multiple African markets and now entering South Africa, has chosen ACPAS to power the launch of its new digital lending brand.
Scope of Work The three-phase software development proposal includes:
- Custom development of a split version of ACPAS tailored for the new digital lender.
- Development of a cutting-edge online lending website for the South African market.
- Enhancements to the ACPAS Loan Management Software (LMS) for their specific operational needs.
The partnership is structured with revenue based on transactional income, aligning ACPAS’s growth with the lender’s expansion in the South African online credit space.
The client has also signed a comprehensive Software and Systems Intellectual Property, Confidentiality, and Non-Disclosure Agreement with ACPAS, ensuring a secure and proprietary collaboration.
Empowering Financial Accessibility
The new website, powered by ACPAS, will provide South African consumers with affordable, transparent, and convenient financing options. ACPAS’s platform will deliver:
- Streamlined credit origination and digital onboarding.
- Real-time loan management and clear account information.
- Scalable backend support to handle high-volume digital transactions.
Jaco Fölscher, CEO of ACPAS, noted: “We are excited to partner with one of Africa’s most established financial services groups as they expand into South Africa. Our customized technology will empower responsible lending, financial inclusion, and sustainable growth.”
A senior executive from the group added: “We are impressed with the progress made, and the website looks fantastic—exceeding our expectations at this stage of the project. We are very happy that we partnered with ACPAS.”
Compliance and Security Excellence
The ACPAS integration incorporates strict compliance protocols and advanced risk management safeguards, aligned with both South African regulatory frameworks and international fintech best practices.
Strategic Digital Commitment
This multi-phase deal ensures:
- Continuous platform monitoring and optimization.
- Advanced compliance and risk management tools.
- Robust adherence to data privacy and credit governance standards.
About UPAY Inc.
UPAY Inc. is a U.S.-listed fintech holding company, offering automation, payments, credit, and regulatory compliance solutions globally. www.upaytechnology.com
About ACPAS
ACPAS, a subsidiary of UPAY Inc., specializes in Loan Management Software, supporting digital lending and advanced payment solutions for financial institutions in South Africa. www.acpas.co.za
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The information contained in this publication does not constitute an offer to sell or solicit an offer to buy securities of UPAY, Inc. (the “Company”). The information provided herein is believed to be accurate and reliable, however the Company makes no representations or warranties, expressed or implied, as to its accuracy or completeness. The Company has no obligation to provide the recipient with additional updated information. No information in this publication should be interpreted as any indication whatsoever of the Company’s future revenues, results of operations, or stock price.
Media Contact
UPAY Inc. – Media Relations info@upaytechnology.com
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