Across Africa, small and medium enterprises (SMEs), agents, and entrepreneurs face a fragmented financial environment, high payment fees, limited access to credit, outdated bookkeeping, and a lack of digital tools. Tulu Coin (TLC) changes that. As the core asset within the TuluPay ecosystem, TLC powers fast, secure, and automated business operations tailored to local realities.

Operate Smarter, Grow Faster with TLC

TuluPay gives MSMEs and entrepreneurs a complete financial toolkit to run efficient, modern businesses—from accepting global payments with instant local conversion via Tulu Merchant, to becoming cash-in/cash-out agents with Tulu Agency, to automating payroll, tax, and insurance through smart contracts, and even earning interest on business reserves with Tulu Bank. TLC streamlines operations, boosts transparency, and unlocks new revenue streams—all from a smartphone.

Example: A retail shop owner in Rwanda accepts TLC from cross-border customers through Tulu Merchant, auto-converts to RWF, and logs each sale for tax reporting. She becomes a Tulu Agent, offering local customers cash-out services for TLC and earning commissions. Meanwhile, she saves a portion of her revenue in Tulu Bank to earn passive yield, while automating payroll for two staff members—all in one ecosystem.

Built for Real Use

TLC powers business operations across essential TuluPay platforms, giving merchants, agents, and entrepreneurs the ability to operate smarter and grow capital within local realities.

• Tulu Merchant: Accept TLC from global or local customers via QR or POS
• Tulu Agency: Turn shops, stalls, and phones into cash-in/cash-out hubs for digital TLC
• Tulu Insure: Businesses can pay microinsurance premiums in TLC and offer discounted group coverage with auto-renewals for gig workers, staff, and agents
• Tulu Bank: Save business reserves in interest-bearing TLC wallets

Who Benefits?

• Individuals: Become agents and earn TLC commissions
• Businesses: Save treasury in yield-generating TLC accounts
• Government: Disburse microgrants or SME support using traceable TLC
• Developers: Build point-of-sale apps, agent platforms, and business dashboards using TuluPay APIs

Why TLC Matters

Tulu Coin isn’t just a currency, it’s a business toolkit. From accepting payments to automating operations and growing capital, TLC provides African entrepreneurs with the tools to operate efficiently in both local and global markets.