The Airtime Credit Service, governed end to end.
InstaCredit is the administrative platform that runs the Airtime Credit Service — seed capital velocity, multi-option settlement, statutory levy routing and prudential reporting across NetOne, Ecotracker, the guarantor bank, ZIMRA and the Reserve Bank of Zimbabwe.
- Guarantee facility
- US$1.5M
- Aggregate statutory levy
- 33.81%
- Settlement elections
- 3 options
- Institutions governed
- 5
The platform
One governance layer across the whole credit lifecycle
Six modules replace the spreadsheets, email trails and manual reconciliations that normally sit between a network operator, its funding partner, its guarantor bank and the revenue authority.
Airtime Credit Engine
Every advance issued against subscriber airtime, aged into Current, PAR 8–15, PAR 16–30 and PAR 30+ buckets with live bad-debt provisioning and recovery velocity.
Multi-Option Settlement
Three settlement elections — ledger net-off, escrow cash and hybrid — each reconciled against collections and routed for dual-signatory bank approval.
Statutory Levy Routing
VAT, excise duty, health levy, distribution allowance and the POTRAZ regulatory levy calculated and routed to their correct destination on every dollar billed.
Capital & Guarantee Control
The guarantee facility, escrow drawdowns and unutilised headroom monitored continuously, with default-absorption alerts before exposure breaches the limit.
Immutable Audit Trail
Every assumption change, ingestion, invoice, settlement and decision recorded with actor, role and timestamp — and exportable for regulatory review.
Rumbi, Executive Copilot
Ask questions of the live ledgers in plain language and get answers that cite the governing legislative provisions rather than guesswork.
Media
See how the service runs
A short walkthrough of the platform, followed by the programme in pictures. Media is published by the platform administrators and updates here as soon as it is added.
Promotional media will appear here
Administrators can add images and a promo video from the Admin Console, under Promo Media.
Stakeholders
Five institutions, one shared position
Each participant sees the part of the programme they are accountable for, calculated from the same ledger — so no two parties ever reconcile against different numbers.
Ecotracker / Bloomhaven
Portfolio & yield operator
Deploys the seed capital, manages the advance book and owns the recovery cycle.
NetOne Cellular
Network operator
Advances the airtime, sweeps subscriber collections and issues the underlying tax invoices.
The guarantor bank
Guarantor & escrow agent
Provides the facility, holds escrow and operates dual-signatory approval on every settlement.
ZIMRA
Zimbabwe Revenue Authority
Receives VAT, excise duty and the health levy on the ring-fenced statutory reserve.
Reserve Bank of Zimbabwe
Exchange control & prudential
Monitors facility utilisation, foreign exchange alignment and programme-level compliance.
Access
Access is granted, never assumed
This platform carries commercially sensitive financial and regulatory data, so entry is by approval only.
Create your account
Register with your work email and tell us which institution you work within — the network operator, the operator's funding partner, the bank, the revenue authority or the central bank.
Await administrator approval
Your request is queued for review. Until an administrator approves it you cannot open any dashboard, report or register — the workspace stays closed.
Enter the workspace
Once approved you are admitted and the workspace opens on the institution you requested. Every approval and decline is written to the audit log.
Ready to request access?
Approval is usually granted by your institution's administrator.