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Domestic Money Transfer

Cash in.
Money home.

Mobee DMT turns an assisted-banking counter into a formal remittance channel remitter KYC, beneficiary validation, IMPS/NEFT routing, confirmation, agent commission and compliance controls in one workflow.

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Indian customer using an assisted instant money transfer service
DMT / TRANSFER RECEIPTLIVE

Cash → Bank Account

Assisted remittance transaction

RemitterKYC Verified
BeneficiaryValidated
RouteIMPS / NEFT
StatusConfirmed
TRANSFER COMPLETED
Agent accepts cash. The platform converts a physical cash handoff into a controlled digital bank transfer.
24×7 / ASSISTED REMITTANCE
Remittance Corridor

From agent counter to beneficiary account.

DMT is a controlled handoff between physical cash and digital settlement. Every stage must validate identity, beneficiary data, transaction limits and the settlement route without slowing down the agent counter.

Agent Counter

Cash is accepted and the remitter initiates the assisted transaction.

POINT OF SERVICE / 01

Remitter KYC

Identity, mobile and remitter limits are validated before the transfer proceeds.

COMPLIANCE / 02

Beneficiary Check

Account and IFSC details are validated in real time.

VALIDATION / 03

Bank Credit

Funds route over IMPS or NEFT and confirmation returns to the counter.

SETTLEMENT / 04
RBI DMT Guidelines NPCI IMPS Certified PCI DSS ISO 27001
Agent Network Economics

Run remittance as an agent business, not a manual counter process.

For fintechs and BC networks, the platform also has to manage commissions, repeat remitters, limits, exceptions and reporting at agent level.

Fast remitter registrationOnboard first-time and repeat remitters with KYC-linked profiles.
Commission engineCalculate and track agent commissions automatically.
Limit enforcementApply transaction and monthly controls before money moves.
Agent-level MISGive operations and finance teams detailed reporting and reconciliation.
DMT / AGENT OPERATIONSREAL-TIME
Agent network statusOperationalRemittance, commission and compliance visibility in one view
< 2sAvg. transfer time
99.9%Platform uptime
24×7Availability
KYC LinkedRemitter profiles
Commission calculationAUTOMATED
Compliance Gates

Every transfer clears four controls.

Compliance is embedded into the transaction path so agent speed does not depend on manual checks after the customer is already waiting at the counter.

01 / IDENTITY

Remitter identity

Aadhaar/PAN-linked KYC establishes who is sending the money.

02 / BENEFICIARY

Account validation

Beneficiary account and IFSC checks happen before the transfer is released.

03 / LIMITS

Transaction limits

Rules enforce transaction and monthly thresholds automatically.

04 / AUDIT

Audit trail

Transaction, routing and confirmation events remain visible for reconciliation and review.

Settlement Rails

Choose the route that keeps the remittance moving.

RAIL / IMPS

Instant route.

Use IMPS for immediate bank credit where the route is available and speed is the priority.

24×7Instant ConfirmationNPCI Connected
RAIL / NEFT

Alternative settlement route.

Use NEFT where the operating requirement or availability makes it the appropriate transfer path.

Bank TransferRoute FlexibilityUnified Confirmation
DMT Capability Ledger

What the remittance platform handles.

The core capabilities are organized around the actual assisted-remittance operating model rather than a generic card grid.

01Remitter registration

KYC-linked onboarding for first-time and repeat remitters.

02Aadhaar/PAN KYC

Digital identity verification aligned to the remittance workflow.

03IMPS / NEFT routing

Select an available settlement rail for the transfer.

04Beneficiary validation

Validate account and IFSC information before funds move.

05Commission engine

Automate agent commission calculation and payout tracking.

06Limit & compliance checks

Enforce transaction and monthly rules automatically.

Connected Products

Build the assisted-banking network around it.

AEPS

Aadhaar-enabled micro-banking for agent networks.

MATM

Micro-ATM banking through handheld devices.

IMPS Switch

24×7 instant interbank fund transfer infrastructure.
DMT / Assisted Remittance

Turn every enabled agent outlet into a controlled remittance point.

Talk to Mobee about DMT onboarding, KYC, beneficiary validation, agent commissions, compliance controls and production rollout.

Request a demo