The payment card
you never carry.
PALMA is biometric payment infrastructure that lets people authenticate physical purchases with their palm - securely connecting customers, merchants and payment networks.
Help us build it right — take our 2-min survey →
Order — GreenMart · Bodija
Payments were built around things you carry.
Card
Phone
Cash
Wallet
PALMA is built around something you are.
Identity → Authentication → Payment
Today, physical payments often require a customer to carry a card, phone or cash. PALMA introduces another interaction model — one where identity itself becomes the starting point of the transaction.
How it works
Three seconds. No card. No phone.
Walk in.
Customer enters a PALMA-enabled merchant.
Shop.
Customer selects what they need.
Present your palm.
The PALMA terminal securely authenticates the customer.
Approved.
The payment is authorized through the customer's selected funding source.
Receipt delivered.
The purchase immediately appears inside the PALMA app.
The PALMA ecosystem
Infrastructure, not just an app.
We’re building the infrastructure layer that allows biometric identity to become a payment interface — sitting between physical commerce and the payment networks behind it.
For customers
Your palm becomes the simplest way to pay.
Every purchase lives in one place — merchant, items, price and payment method, the moment you walk out the door.
- Itemized digital receipts
- Manage funding sources & limits
- Freeze biometric payment instantly
- Review security activity
Wallet
₦100,000
Recent activity
GreenMart
Groceries
-₦30,000
Order
Palm recognized
For merchants
Checkout without the checkout friction.
One terminal, one integration — everything a merchant needs to accept, reconcile and report on palm-authenticated payments.
- PALMA terminal
- Payment APIs
- Merchant dashboard
- Product & catalog integration
- Itemized receipts
- Staff management
- Transaction reporting
- Refunds & settlement tracking
The wallet
Your money, ready when you are.
A secure digital wallet experience designed to work with PALMA’s regulated financial infrastructure and partners — one funding source among several a customer can choose at the terminal.
- Add money
- Transfers, where supported
- Payment limits
- Security controls
- Statements & history
₦100,000
Available balance
Biometric security
Your palm isn’t a password.
It is an authentication signal, protected by layers of security.
PALMA is designed so biometric authentication authorizes a payment — it does not directly move money by itself.
- Protected biometric credentials
- End-to-end encryption
- Secure terminal communication
- Transaction challenges
- Fraud monitoring
- Credential revocation
- Audit trails
Identity should give you control.
Not give away your data.
PALMA is designed around privacy and security from the beginning — not added afterward.
Built for physical commerce
One identity. Everywhere you shop.
Developer platform
Build PALMA into your checkout.
Merchants and payment partners will be able to integrate PALMA into existing commerce systems through APIs, SDKs and terminal infrastructure.
POST /v1/payment-intents
{
"amount": 30000,
"currency": "NGN",
"order_id": "ord_123",
"preferred_method": "palm"
}What's next
Rolling out where
commerce happens.
PALMA is launching in controlled pilots and scaling the network terminal by terminal.
PALMA is building payment infrastructure for physical commerce.
The terminal is the first touchpoint.
The network is the product.
Payments are invisible when the infrastructure works.
Production target
99.99%
Availability — target, not a measured result
Secure authentication
Real-time authorization
Transaction monitoring
Settlement
Reconciliation
Auditability
Help shape PALMA
Not ready to join the waitlist? Share your take in our 2-minute survey — it's shareable at /survey and linked to your waitlist entry via email.
Early access
Be there before
the first tap.
PALMA is currently being built for the next generation of physical commerce. Join the waitlist — 2-minute onboarding, tailored to how you'll use PALMA.
Join the waitlist
2 min • Tailored by role
How it works
- 1Choose your role — Customer, Supermarket, Developer, etc.
- 2Tell us a bit about you — tailored questions per role.
- 3Confirm and you're in — we'll be in touch.
Free • No spam • Unsubscribe anytime