MINES.IO INC is a mobile-money-as-a-service platform built to address the consumer financial services gap in emerging markets. Due to the prevalence of cash and a lack of infrastructure, consumer financial services such as credit, payments, and savings are either inaccessible or grossly inefficient. Leveraging deep partnerships with mobile carriers and financial switches, along with a superior technology stack built around cutting-edge artificial intelligence, cloud, and mobile technologies, MINES.IO offers banks a plug-and-play answer to the needs of the modern mobile consumer.