Solutions

Innovation for Financial Transformation

Self Custody Wallets

Managing digital assets requires uncompromising security. Novavance delivers hardware-grade protection through Secure Element technology, giving users complete control of their funds while safeguarding against loss and fraud. Our solution works seamlessly across smartphones and feature phones, empowering users in emerging markets to safely store and transact with digital assets on their own terms—even in offline and low-connectivity environments.

Integrated Smart ID & KYC

Traditional identity verification excludes millions without formal documentation. Novavance transforms this with securely stored digital identity credentials that integrate seamlessly with payment and compliance systems. Our solution enables privacy-preserving verification, automatic regulatory compliance across jurisdictions, and portable reputation that survives device changes—delivering universal, accessible identity for travelers, cross-border users, and underserved populations.

Cash-Agent Network
for On/Off Ramps

In informal economies, bridging cash and digital assets remains a critical challenge. Novavance enables local merchants to serve as trusted agents for deposits, withdrawals, and instant liquidity. Our platform facilitates secure conversions between blockchain assets and mobile money platforms, connecting users to traditional banking systems through multiple payment rails while maintaining self-custody throughout the entire process.

IoT, Autonomous 
& M2M Payments

The future of commerce extends beyond human transactions. Novavance enables intelligent, context-aware payment authorization for IoT devices, autonomous vehicles, and machine-to-machine commerce. Our AI-driven transaction systems deliver sub-second authorization latency while maintaining cryptographic security, opening new possibilities for automated payments in smart cities, industrial equipment, and connected device ecosystems.

Value Storage &
Global Financial Access

Economic uncertainty, high inflation, and devaluing currencies erode wealth in many markets. The Novavance platform provides secure storage for blockchain-based digital assets—including crypto, stablecoins, RWAs, NFTs, and CBDCs—enabling cross-border payments at a fraction of traditional costs. With multi-chain support and mobile-based transfers, we make global financial access as simple as sending a text message.

Offline and Low-
Connectivity Access

Financial services shouldn't require constant internet access. Novavance supports offline transaction capabilities through secure peer-to-peer transfer, multi-hop relay, and SMS-based protocols. From feature phones to smartphones, our technology ensures reliable financial services work anytime, anywhere—even in remote or infrastructure-limited regions.

Core Technologies

A cutting-edge technology stack, purpose-built for the realities of emerging markets. Our platform combines blockchain infrastructure with mobile-first engineering to bring inclusive financial services to the world’s most underserved regions.

Secure Wallet
Infrastructure

Hardware-grade security through tamper-resistant Secure Elements (SE). Our architecture ensures private keys never leave protected hardware, providing bank-level security for self-custody wallets. Multi-chain support enables seamless interaction with diverse blockchain networks while maintaining unified user control.

Blockchain-to-Fiat
Bridge Systems

Seamless conversion infrastructure connecting blockchain assets with traditional banking and mobile money platforms. Our non-custodial architecture maintains user control throughout deposit and withdrawal processes, supporting multiple payment rails and regional banking partnerships across continents.

Offline & Resilient
Transaction Protocols

Purpose-built frameworks for low-bandwidth and offline environments. Our technology supports peer-to-peer transfers, multi-hop relay networks, and SMS/USSD protocols with cryptographic verification—ensuring financial access even without internet connectivity.

AI-Driven Authorization & Context-Aware Security

Next-generation transaction authorization integrating artificial intelligence with Secure Element technology. Our systems analyze contextual data to provide intelligent, automated payment decisions while maintaining cryptographic isolation and hardware-grade security.

Mobile Number-Based
Asset Transfer

Familiar, phone number-based transfers that maintain blockchain's security principles. Our system maps mobile numbers to blockchain addresses with tamper-resistant SE authentication, enabling user-friendly transactions without sacrificing self-custody or decentralization.

Integrated Digital
Identity Systems

Securely stored verifiable credentials with privacy-preserving verification. Our identity infrastructure integrates with payment and compliance systems, enables selective disclosure through zero-knowledge proofs, and adapts automatically to cross-border regulatory requirements.

Our Ethos

A Vision for Financial Inclusion

The single greatest challenge facing emerging markets is economic exclusion and financial instability. Novavance was founded on a deep commitment to empowering people through technology that unlocks genuine financial security and freedom. In regions where hundreds of millions remain excluded from formal financial systems, we build intelligent, accessible solutions designed for real-world application.


Our comprehensive platform spans the entire financial value chain, bridging the critical gap between digital innovation and cash-dependent economies. Through Secure Element self-custody wallets with peer-to-peer functionality, robust store-of-value mechanisms, integrated identity systems, and mobile point-of-sale solutions for agents and merchants, we're creating an integrated ecosystem that enables inclusive financial participation across Africa and emerging markets worldwide.

Founders Thoughts

"Never before has there been a greater opportunity to transform financial inclusion across Africa and emerging markets worldwide. By integrating proven technologies into practical financial solutions, Novavance delivers smart, accessible tools designed specifically for the unique challenges of emerging economies. Through our thoughtful approach to technology integration and hardware-grade security, we are committed to leading a quality-of-life revolution that creates genuine financial independence for millions, and ultimately billions of people."


Pierre Joubert
Founder & CEO of Novavance

Shaping the Future of Financial Inclusion

The best results are achieved through powerful partnerships of innovators, institutions, and changemakers — working together to unlock financial freedom at scale. 
If you share our vision of empowering millions or want to find out more about our solutions, we would like to invite you to reach out to us. 

Let’s bridge the gap together.