Triple Bottom Line (3BL) ledger

for financial, social and ecological impact

20% profit is donated to empower households


Social Performance Task Force

American Consumer Council

@ Starfish San Francisco, CA





 we are a mobile airtime merchant

not a cryptocurrency

commodities or money exchange

nor a money transmitter

smart mobile minutes

better than cash for a billion people

send value across

4 billion phones

2 billion bank accounts

150 countries

600 mobile carriers

100 currencies

Ethereum and Ripple

software live

150 countries

signup for beta release

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PNPL can be used everywhere - it's smart money!

online purchases on websites

offline purchases in stores

consume PNPL as talk-time/data

send and receive value in 200 countries

convert to any fiat or crypto currency

transfer into 2 billion bank accounts


decentralized money

available to anyone - owned by everyone


free 70 countries

1 penny to $1000

nano credit

interest free forever

instantly $1 to $5,000


20% profit donated to all users - signing up is free

51% shares to most active users over ten years


introduced financial inclusion to 180 million unbanked

rated best mobile money service in the world by GSMA



Babar Yousuf

founder, president and CEO

Babar has served a 20 year career developing and launching award winning technology-driven sectors, including banking innovation with Tameer Microfinance Bank / Telenor - recognized for introducing mobile financial inclusion to 170 million un-banked.

Speaker on Triple Bottom Line (3BL) consensual ledgers at the World Crypto Economic Forum

Speaker at United Nations RIO+20 on impact investing.

Consultant on the panel of the Microfinance Gateway  (World Bank’s CGAP). 2012-14

Judge Sustainable Silicon Valley and NASA Ames Research Center’s “Call for Planetary Solutions” 2013-14.

Professional Service Provider to

Branson Center of Entrepreneurship.

Nick Todorov - blockchain operations

George Spasov - blockchain development

Mohammad Hanif - technology & operations

Khalid Siddiqui - product development

Ashish Shinde - network development

Tushar Rum - network service & operations

Sopan Dambelkar - database & user interface

Ganesh Mullay - software development

Amit Chotia - software development

Hammad Ahmed - software development



someone should be on our panel? send us a message

James M. Rishwain Jr.

Chair Emeritus

Pillsbury Winthrop Shaw Pittman LLP

recognized as one of the most innovative law firms by Financial Times three years running.

700+ lawyers worldwide

Jim has served more than a decade as Pillsbury’s global chair and CEO.  Before that he served for a decade as global leader of the Firm’s real estate practice.

He advises on investments and acquisitions, development, finance, joint ventures, leasing, exchanges, bond transactions, syndication and REITs. His work has earned him distinction as California lawyer of the year, a deal of the year award, and a CEO diversity leadership award from Diversity Best Practices.


He serves on numerous board of directors of for-profit, civic and charitable organizations.



Jeff Licciardi

Senior Vice President



Publicis Media - world’s 3rd largest communications group

Performics is the performance marketing arm of Publicis Media. Jeff has grown with Performics since 2008, creating partnerships with leading publishers for scale and innovation.


Headquartered in Chicago, Performics also has offices in Atlanta, Los Angeles, San Francisco and New York. The company recently launched a global expansion across 57 countries and regional hubs in London, Paris, and Singapore.



Larry Stein

Vice President Data Processing Operations

and Disaster Recovery ADP


world's largest payroll company


40 years of experience across a broad range of industries with solid strengths in areas such as:


technology services, disaster recovery, business resiliency, financial reporting, mergers and acquisitions, human resources, and facilities management.

Paul Wilke

Chief Executive Officer

Upright Position Communications


Silicon Valley’s go-to source for IPO communications & PR


Past and current clients include Omidyar, Pandora,

ThreatMetrix and Tableau Software.


Prior to Upright, Paul headed public relations for Splunk where he led communications around one of 2012’s most successful IPOs.


He has managed global public relations at Visa Inc.

He has also lived in Singapore for 12 years, where he headed Visa’s public relations operations for South and Southeast Asia, in India, Indonesia, Malaysia, Pakistan, Singapore, Thailand and Vietnam.

Rachel Bell

Vice President, Controller

Virgin America


premium-branded airline on a mission

to make flying good again


She led the company’s accounting team

through it's IPO in 2014.


Before joining Virgin America, Rachel was a consultant in the San Francisco office of global business and risk consulting firm Protiviti and last held the role of managing director.



Pillsbury Winthrop Shaw and Pittman 

triple bottom line ledger


people | planet | profit