Pillar 06 · Built by Orokii
Six years of running a regulated remittance product. Available as software.
Whitelabel the full stack. License individual components. Modernize a legacy MTO onto stablecoin-native, no-prefunding architecture. Or hire us as advisors. You hold the license; we ship the platform.
Where the market is
Plenty of whitelabel remittance platforms. Few that have actually run an MTO.
Established
Velmie, Macro Global NetRemit, Brightwell ReadyRemit, Intermex RaaS, RemitSo. Mostly engineering shops — not MTO operators. Most assume prefunded settlement.
Underserved
Vendors that combine the software with real operational experience running a regulated MSB. Vendors with stablecoin-native, no-prefunding architecture. Vendors that have shipped multiple live whitelabel tenants.
Where we sit
The platform that powers Stratum Remit, Sikama, and LuckyCat in production. Six years of regulated operations encoded into the runbooks. Available as software to licensed MSBs.
What's included
Four delivery shapes. Same underlying stack.
Complete platform whitelabel
The full Stratum Remit stack — admin, customer web, mobile (iOS + Android), KYC pipeline, settlement providers, blockchain wallets — rebranded for your product. The Sikama and LuckyCat model.
Production · 2 live whitelabel deployments
Component licensing
Take what you need. KYC pipeline, AML stack, transfer engine, stablecoin rails, admin / treasury / fraud dashboards. Built and tested in production; integrate selectively into an existing platform.
Component-by-component
Modernization engagement
Move a legacy MTO off prefunded settlement onto stablecoin-native, no-prefunding architecture. The single biggest scaling lever — eliminates the working-capital burden incumbents quietly carry.
Engagement-led
Stablecoin onramp + corridor rails
YellowCard for African corridors. Bridge for EU and LATAM. Coins.ph adapter pattern available. New corridor or new provider scoped per engagement.
Production
Advisory and integration support
Architecture review, AML / KYC ops design, settlement reconciliation, regulator-facing posture. Drawing on six years of running a US MSB.
Engagement-led
The Kora conversational assistant
Optional add-on — the customer-facing AI from Pillar 2. Multilingual, slot-filling, compliance-aware. Already in production at Stratum, Sikama, and LuckyCat.
Optional · production
Who we work with
Three buyer shapes. All licensed. All operating their own MTO.
Licensed MSBs and MTOs
You hold the license; you want the stack without building it. We bring 8+ Go microservices, 72 admin surfaces, Flutter mobile, and six years of operational tuning.
Existing MTOs looking to modernize
Stuck on prefunded settlement. Moving off that architecture onto stablecoin-native, no-prefunding settlement is the single biggest operational change you can make. We have done it; we can guide you through it.
Banks and fintechs adding remittance
A neobank or community bank adding cross-border money movement as a feature. Component licensing is usually the right shape — take the transfer engine and KYC pipeline, leave the customer apps to your existing surface.
How we work together
You hold the license. We hold the platform.
You bring
- Your money-transmitter / MSB / equivalent license (Orokii does not sponsor licenses)
- Your brand and customer acquisition
- Your AML and BSA officer-of-record
- Decision on delivery shape: full whitelabel, component licensing, modernization, or advisory
- Your hosting choice — self-host on your cloud or accept Orokii-supported deployment
We bring
- The full platform — 8+ Go microservices, Python AI service, Next.js admin + customer, Flutter mobile
- Stablecoin-native, no-prefunding settlement architecture (the Stratum Remit pivot)
- YellowCard and Bridge provider integrations in production
- Six years of operational MTO experience, encoded in the runbooks and the admin surfaces
- Sikama and LuckyCat as reference deployments and integration runbooks
- Optional Kora AI assistant (Pillar 2) as a customer-facing add-on
Commercial model
Four delivery shapes, four pricing shapes.
Whitelabel
$150k – $300k
one-time + ongoing technical support
Full Stratum Remit stack rebranded for your product. The Sikama and LuckyCat shape. Ongoing technical support contract from $10k–$30k per month.
Component licensing
$50k – $150k
per component + ongoing support
Take individual pieces — KYC pipeline, AML stack, transfer engine, stablecoin rails — and integrate selectively. Right shape for existing platforms.
Modernization engagement
$100k – $250k
engagement-led
Move a legacy MTO off prefunded settlement onto stablecoin-native architecture. The biggest operational change you can make.
Advisory
$25k – $75k
per quarter · founder-led
Architecture review, AML / KYC ops, settlement design, regulator posture. Founder-led, capped engagement count to keep attention real.
Frequently asked
What partners ask before signing.
Why is remittance the last pillar on this site?
It is the original Orokii business and the proof of the stablecoin-native architecture. But the strategic focus has shifted to adjacent software markets — tokenization, AI, identity, compliance, banking. We will not turn away serious remittance partner conversations; we also do not actively prospect them. If you reach out and the fit is real, we will engage.
Will you sponsor our MTL or MSB license?
No. We are a software vendor — the customer is the regulated party. The benefit of this for you is that we never become a concentration risk in your regulatory standing. The cost is that you need to hold your own licensing. Both sides understand this trade-off going in.
What does "no-prefunding settlement" actually mean?
Most remittance platforms assume the operator will hold pre-funded balances at each settlement corridor — sometimes tens of millions, sometimes more — to cover payouts before the consumer funding side clears. Orokii's architecture (built in early 2026) settles via stablecoin rails per-transaction, removing the working-capital burden. It is the largest single change a remittance operator can make to their cost structure and scaling math.
Sikama and LuckyCat — what do they actually look like?
See the case studies (linked in the footer). Both are running on dedicated cloud infrastructure, with their own GCP projects, their own brand, their own KYC + sanctions configuration, and their own settlement provider mix. Same platform underneath, distinct operational shape on top.
How long until first live deployment?
Whitelabel: 8–12 weeks from contract for a single-corridor launch using existing settlement providers. Component licensing: 4–8 weeks for a single component integration. Modernization: 3–6 months depending on the legacy architecture.
Will we get the same level of engineering attention you give Sikama and LuckyCat?
Yes — the same shape of engagement. We will not over-commit on engineering attention if your engagement is at a different price point than the live whitelabel tenants. The scoping call is where we get this honest, before either side burns engineering time.
Ready to evaluate?
A 30-minute scoping call covers your licensing posture, corridor mix, delivery preference (whitelabel vs components vs modernization vs advisory), and rough timeline.