Case Study · US Whitelabel
Sikama — a US-licensed money services business on the Orokii stack.
Sikama operates under its own US MSB licensing and serves the diaspora corridor from the United States to African markets. Launched on Orokii's stablecoin-native, no-prefunding remittance architecture in 2026. Own brand, own GCP project, own customer flows. Orokii ships and supports the platform.
At a glance
The shape of the deployment, at a glance.
Partner type
US money services business
Brand
Sikama · sikamai.com
Corridor focus
US-outbound to African markets
Settlement provider
YellowCard
Architecture
Stablecoin-native · no prefunding
Live corridors
KES (live), NGN (working through provider config)
First prod transaction
June 2026 · KES corridor
Hosting
Dedicated GCP project (sikama-prod)
The brief
Stand up a US-outbound remittance product to African markets — without building the platform from scratch.
Sikama held its own MSB licensing and operational footprint, plus the brand, the marketing, and the customer-acquisition motion. What it needed was the technology stack — KYC pipeline, transfer engine, blockchain wallets, admin and treasury surfaces, mobile and web customer apps. Building from scratch would have meant a twelve-to-eighteen month engineering investment and a separate compliance build-out alongside it.
The Orokii pitch: use the same platform that runs Stratum Remit, rebranded end-to-end for Sikama, in its own GCP project with its own KMS, Cloud SQL, and Firebase. Stablecoin-native settlement from day one, no pre-funded balances at corridors, six years of MTO operational experience encoded into the admin surfaces. Orokii ships and supports; Sikama operates the regulated business.
The build
What was distinctive about how we deployed Sikama.
Per-tenant isolation, not shared multi-tenancy
Sikama runs in its own GCP project — its own Cloud SQL instance, its own KMS keyring, its own Firebase project, its own Cloud Run services. All 8 Orokii platform services deployed standalone. This is the deployment shape we use when the partner needs full data and operational isolation, which most regulated MSB buyers do.
Stablecoin-only onramp, no prefunding
Sikama settles each transaction through stablecoin rails rather than holding pre-funded balances at every corridor. This is the architecture Orokii pivoted to in early 2026 — the biggest single change a remittance operator can make to working-capital math. Sikama launched on it from day one.
YellowCard channel-selection fix landed in production
During corridor bring-up, the YellowCard channel selection logic needed a fix to handle Kenya's momo + bank channel mix correctly, plus an accountType mapping fix (phone → momo, bank → bank). Shipped as revision transfer-service-00016-v94 in June 2026. KES corridor went live the same week.
Sikama-branded reference codes
Transfer reference codes are SIK- prefixed; deposit codes follow the same convention. Brand language flows through into the operational substrate, not just the customer surface.
Where we are today
Honest about the corridor-by-corridor reality.
Remittance platforms launch corridor by corridor. Each new market has provider configuration, regulator alignment, and operational tuning. The state of Sikama as of mid-June 2026:
- KES (Kenya Shillings) corridor live end-to-end since June 2026 — first production transactions through YellowCard's sandbox-then-prod path.
- NGN (Nigerian Naira) corridor in progress — gated on the YellowCard provider account currency configuration on Sikama's side of the YC relationship.
- admin.sikamai.com Cloud Run domain mapping created; DNS CNAME pending at registrar.
- app.sikamai.com (customer portal) live with Sikama branding — sister of the Stratum Remit customer surface, rebranded end-to-end.
From the partner
“Quote pending partner permission. Will be replaced with a real attributed statement from the Sikama team before public launch.”
Sikama Financial Services · 2026
Want this shape of deployment for your brand?
Sikama is one of two live whitelabel deployments running on the Orokii remittance platform. Read more about the offering or talk to us about whether the fit is real.