Closed-loop payment infrastructure

Cashless cash for the communities banks won't serve.

Nal is payment infrastructure for contained economies — schools, markets, shops — where banking rails are unavailable, untrusted, or a bad fit. The simplicity people trust in cash, with the visibility and reporting of modern software.

Bring Nal to your institution See what we've built

Live sinceFebruary 2025
Live institutions3
In pilot3
Cards issued500
Transactions5,000
Processed$10,000+
Authorization<100ms

What we've built

One set of rails. Three live products.

We didn't build a platform and look for uses. We built three products that people use every day, and the platform is what they have in common.

Nal School

Cashless payments for schools. Parents load, students tap, canteens track. Replaces loose cash with a system everyone trusts.

Schools, parents, canteens

Visit Nal School

Nal Bazaar

Event payment infrastructure. Vendors onboard, guests pay with wristbands or cards, organizers settle after the event.

Events, vendors, venues

Visit Nal Bazaar

Nal Loyalty

Loyalty card system for businesses. Customers earn and redeem through the same Nal infrastructure.

Restaurants, cafes, retail

Visit Nal Loyalty

Why Nal exists

Cash is King. But Cash is Chaos.

Cash

Freedom
Ownership
Independence
No tracking
No analytics
Leaks

Banks

Visibility
Analytics
Accountability
High fees
Loss of control
Access barriers

Nal

Freedom
Visibility
Ownership
Analytics
No bank needed
Your money stays yours

Platform

The building blocks.

Shared primitives that power all three products. Soon available via API.

Wallets & Balances

Real-time balance tracking with instant top-ups and transfers. The core primitive developers interact with most.

Identity & Roles

One system, many institutions. Each runs their own rules.

Acceptance

POS integration, NFC cards, and QR-based payment acceptance.

Reconciliation

Automated settlement with real-time reporting and audit trails.

Integrations

APIs, webhooks, and SDKs for seamless system integration.

Security

End-to-end encryption, fraud detection, and compliance controls across every transaction.

The company

Nal Software OÜ

We started in a school canteen in Jerusalem, because that is where the problem was in front of us. Today the same rails run three institutions, with three more piloting, alongside temporary markets and shops.

support@nalcard.com