Tally by Jence Inc.Hardware Micro Credit Ledger

THE HARDWARE EXERCISE BOOKFOR INFORMAL MARKET VENDORS

Tally gives store owners and market women a rugged offline terminal to replace paper exercise books. Store owners log credit in 3 seconds. Zero customer touch. Built-in 58mm thermal printer outputs daily audit slips, while coded device references anchor working capital loans with banks.

🏪 Merchant Control
Zero Customer Touchpoint
🖨️ 58mm Thermal Printer
Daily Exercise Book Audit Slips
🔒 Hardware Loan Anchor
Loans Bound to Coded Device Ref
📱 Agent Provisioned
NIN / BVN Onboarding & Remittance
02Interactive Terminal

Test the Merchant Terminal Simulator

Experience how store owners log trade in seconds. Enter an amount, select transaction direction, choose a dialect, and press [OK]. Print a daily exercise book slip to see the coded device reference verification.

DAILY EXERCISE BOOK LEDGERPAGE #042

Merchant Micro-Credit Terminal

DEVICE REF: TLY-••••-4019-NG • ECDSA Hardware Enclave
TRUST SCORE: 690 / 850
TALLY HARDWARE TERMINALREF: TLY-••••-4019-NG
ACTION: LOG CREDIT OUT
+₦5,000
OFFLINE CRYPTO LEDGER • ZERO CUSTOMER TOUCH
🔊"Store Owner: Select amount & press OK (Zero Customer Friction)"
Bank Loan Anchor StatusHARDWARE VERIFIED

Partner Microfinance Banks verify continuous ECDSA signed pings from device TLY-••••-4019-NG to unlock working capital loans.

Universal Score Factors690 / 850 · GOOD
Payment History48%
Repayment Rate84%
Debt Load93%
Account Tenure85%
Trade Volume58%

* Weights mirror internationally approved credit-scoring principles

58mm THERMAL PRINTER
+₦5,000 CREDIT OUT (Amina)ECDSA-981A
-₦2,000 PAYMENT IN (Ibrahim)ECDSA-440F
03Seamless Workflow

How Tally Works in 3 Simple Steps

STEP 01⌨️

Merchant Enters Amount

Store owner keys in trade amount on keypad or quick presets. Zero customer involvement.

✓ ECDSA Signed On Hardware
STEP 02👉

Select Credit or Payment & Press OK

Select + Credit Out or - Payment In and hit [OK]. Device signs trade with hardware enclave key.

✓ ECDSA Signed On Hardware
STEP 03🖨️

Spoken Voice & Thermal Printout

Terminal speaks transaction in Yoruba, Hausa, Igbo, Pidgin, or English, updating daily thermal audit ledger.

✓ ECDSA Signed On Hardware
04Hardware Financial Anchor

Loans Bound to Coded Device References

Partner Microfinance Banks (MFBs) require verifiable credit proof before disbursing working capital loans. Any loan granted is cryptographically bound to the physical device — identified by a coded, unreadable reference.

Cryptographic Hardware Enclave

  • ✓ Factory-flashed, non-readable device reference
  • ✓ Unextractable ECDSA Private Key stored in eFuse chip
  • ✓ Every daily audit sync is signed on-chip
  • ✓ Automated anti-spoofing and loan drawdown locks

Agent Provisioning & Remittance

  • ✓ 100% Agent Onboarding (NIN / BVN KYC Capture)
  • ✓ Agent scans QR code on terminal box to activate
  • ✓ ₦25,000 device sale or lease-to-own terms
  • ✓ ₦2,000/mo SaaS audit remittance collection
05Field Deployment

Provision Terminal for Your Market

We deploy Tally terminals through field provisioning agents, market unions, and trade associations. Submit your details below to reserve hardware deployment for your market stall.