Kairos.
Open console
The conversational micro-liquidity layer

How Kairos turns a “maybe” into a “yes.”

Advance engines like Optasia already decide who can borrow, hold the ledger and disburse. Kairos drops in as the layer that talks to the customer — in their own language, handling their real worries, and making replying effortless.

See it live What my customer actually uses

The problem today

One-shot, English-only offers

A customer in Soweto gets an SMS: “Reply YES for a R50 airtime advance (R56 due in 7 days).” It’s rigid, it’s in English, and it can’t answer a single question. If they only speak isiZulu — or they’re just unsure — they go quiet. That silence is lost revenue.

The Kairos layer

A real conversation, in their language

Kairos picks up the same offer and runs a warm, two-way chat in any of 50+ African languages. It understands free-text replies, calms doubts, and guides the customer to a confident yes — while the fee and due amount stay calculated by your authoritative ledger, never the AI.

Will my customer use this website?

No — your customer never opens a website.

Kairos is two separate things. The part your customer experiences is plain SMS, USSD or WhatsApp on a basic phone — no app, no login. What you deploy to your domain is the console your team uses to run it. The engine sits invisibly in between.

Layer 1 — your customer's phone

What the subscriber actually uses. No app to download. No website.

Yesterday 10:56

Hi :) You qualify for an Airtime Advance of R25. Buy airtime or bundles & only pay on your next recharge! Just dial *135*082#. T&Cs apply. Vodacom.

SMS

A reply to a text like “Reply YES for a R50 advance.”

USSD

An interactive menu after dialling *135*082#.

WhatsApp / RCS

A normal chat thread, where the customer already is.

Layer 2 — the Kairos engine

Invisible, always-on infrastructure. Customers never see it.

Inbound webhook

The telco gateway forwards the customer's SMS / USSD reply to one Kairos API endpoint.

AI brain + ledger

Detects language, reads intent, scores, and computes the exact fee — AI persuades, the ledger stays authoritative.

Reply on same channel

The in-language answer goes straight back to the customer's phone — same SMS / USSD / WhatsApp thread.

Layer 3 — the Kairos console (this web app)

What you deploy to your domain. Your team and the partner log in here — subscribers never do.

Monitor live conversations, advances and repayments

Configure products, fees, languages and decision rules

Pull reporting, manage API keys and white-label branding

This is the console

The integration flow

One endpoint between you and every customer

Kairos is stateless and drop-in. You pass the conversation so far; it returns the next in-language reply, tappable quick replies, an action, and — when relevant — the exact offer terms.

Step 1

Your engine decides

Optasia’s advance engine still owns the decision — who qualifies, for how much, on what terms. Nothing about your risk or ledger changes.

Partner advance engine

Step 2

Kairos opens the conversation

Instead of a dead-end SMS, your engine POSTs the running conversation to one stateless endpoint. Kairos replies in the customer’s language.

POST /api/public/kairos/converse

Step 3

The maths stays authoritative

The AI only chooses an amount and intent. The server deterministically computes the fee (~4.8%) and total due — so every offer is trustworthy.

Authoritative offer object

Step 4

You disburse and recover

When the customer says yes, control returns to you. You disburse, hold the ledger, and recover from their next top-up or payday — exactly as today.

Back to your ledger

Live demo

This is what the customer sees on their phone

Pick a language and a product line, then chat exactly like a real customer would. Every reply is generated live by the same Kairos endpoint your engine would call.

Customer language

Product line

Airtime Advance

R 10–R 200 · 4.8% fee · 7-day term · recovered from next top-up.

Try typing things a real customer might say — “it’s too expensive”, “I’m not sure”, or “yes please”.

KKairos. AI agent

Start the Airtime Advance journey in isiZulu.

In short

You keep your business

Optasia still decides who gets advances, still holds the ledger, still disburses. Kairos changes none of that.

More customers say yes

By speaking their language, handling real worries and making replying effortless, Kairos converts people rigid scripts lose.

Every extra yes is recovered revenue

Each conversion Kairos wins back is revenue you were losing to language barriers and dead-end SMS — at a small, honest fee.

Try the live demo again Explore the partner console