The thesis
Cash is not the problem. Not knowing where it went is.
A school canteen counts a box of coins every afternoon and writes the total in a notebook. A market stall settles up at closing time from memory. The money is real and the record is not, so nothing can be checked, reconciled or proved. Nal keeps the cash and removes the invisibility around it.
Why this works
Narrow in execution. Broad in what it can become.
- The money never needs to leave the community
- In contained economies the money does not need to go anywhere — it needs to be visible while it circulates. A closed loop gives institutions the analytics and reconciliation of modern software without changing how a single person pays.
- One system serves every vertical
- Identity, wallets, acceptance and reconciliation are the primitives. A school canteen, a temporary market and a loyalty programme are configurations of the same four things, which is why three products came from one platform rather than three teams.
- Reliability is the product
- Built for the conditions our institutions actually operate in: peak-hour queues, staff turnover, budget Android tablets, intermittent connectivity. Under 100ms authorization is a design constraint, not a benchmark.
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.
Traction
Eighteen months in production.
- February 2025
- Live since
- 80%
- Parent adoption, launched grades
- 500
- Cards issued
- <100ms
- Authorization
Every figure above traces to a single internal source of truth and is enforced by a test in this repository. Where a number is not yet verified, it is not shown.
What's next
More verticals on the system that already runs.
University campuses, summer camps, corporate cafeterias, gyms and sports leagues are the same four primitives in a different configuration. Expansion is sales execution, not a new platform.
A public API for partners is planned for Q3 2026.
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 system runs in schools, shops and temporary markets.
sales@nalsoftware.com