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Intelligence Dashboard

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Pulse SA

Intelligence Layer Prototype v3.0
The First Structured Dataset of South Africa's Informal Economy - 30+ Verified Data Points Per Trader
Website Agent App

Mobile PWA Simulator

Simulating the gig-worker app used by township youth & traders on the ground

16:30
LTE
R25.00

Awe, Champ! 👋

Complete quick gigs in your hood to earn instant airtime & cash rewards.

Available Data Gigs

Full Trader Profile Visit

37-point profile: any street/spaza/salon trader

+R25.00 Airtime

Spaza Shelf Audit

Log brands, stock levels & shelf prices

+R10.00 Airtime

Price Basket Monitor

Log prices of 8 staple goods (3 min)

+R8.00 Airtime

Foot-Traffic Verification

Confirm a known trader is open & trading

+R3.00 Airtime

Infrastructure Report

Report water, electricity or road disruptions

+R2.00 Airtime
Back to Gigs

Commute Log

R
What did you pay total for the return trip today?
15 mins
Back to Gigs

Trader Profile Visit

1
2
3
4
5
6
Step 1 of 6: Identity & Profile
R
R
Back to Gigs

Spaza Retail Audit

R
What is the shelf price for a standard 2L bottle?
Back to Gigs

POS Terminal Census

Back to Gigs

Water Outage Report

Back to Gigs

Price Basket Monitor

Log the shelf price of each item at this spaza/street seller. Leave blank if not stocked.

White bread (700g)
R
Maize meal (2.5kg)
R
Cooking oil (750ml)
R
Full cream milk (1L)
R
Eggs (6-pack)
R
Sugar (1kg)
R
Airtime voucher (R10)
R
Sunflower oil (2L)
R
Back to Gigs

Foot-Traffic Verification

You are walking past a known trader. Confirm they are open and trading. Takes 30 seconds - GPS is captured automatically.

GPS timestamp will be auto-captured on submit
Back to Gigs

My Wallet

Available Balance
R 25.00
Withdraw Rewards
Instant Airtime (MTN/Vodacom/CellC)
Capitec CashSend / Mukuru
Earning History
Logged Inhloko Price (Soweto Rank)
+R15.00
Logged Soweto to Sandton Taxi Fare
+R10.00
Switch to Youth Gigs

Bab' uMkhize's Food

Vetted Pulse Partner
Kasi Credit Profile
735

Capitec & Mukuru Credit Score

Vetted (Low Risk)

Score is generated based on daily trade transaction logs.
Underwriting Verifications
Wholesaler Invoice Sync 94% Match
Foot-Traffic Verification 88% Verified
Payment Trust Class A (High Trust)
Capitec Working Capital Stock Loan AVAILABLE
R5,000.00
Wholesale Price Advisories

KasiOntology Analytics Hub

Structured intelligence workspace - turning ground-level agent data into operational insights for banks, FMCGs, and insurers

The Opportunity: 3 Million Invisible Businesses

South Africa has 3 million+ informal micro-enterprises generating R5.3 trillion in annual turnover. Yet 56% have no bank account, 92% have never received a business loan, and 97% have no insurance. They are invisible to the formal financial system - not because they aren't viable, but because no one has collected the data to prove it. Until now.

National Survey Data
Pulse Estimated
FinScope 2024 3.0M Total MSMEs in SA
FinScope 2024 R5.3T Combined Annual Turnover
StatsSA SESE 2023 1.9M Non-VAT Informal Businesses
FinScope 2024 56% Share that is Informal

Sector Growth vs. Fintech Coverage

Opportunity zones = Top-Left (High Growth, Low Coverage). Bubble size = sector share of informal economy.

Opportunity Zone

Sector Deep-Dive

Click a sector to inspect its data lineage and gap analysis

FinScope Job Multiplier Index

FinScope MSME 2024

Employment multiplier per sector owner - the hidden value invisible if you only look at StatsSA SESE headcount data.

Honest Data Gaps & Next Steps

FinScope Microdata (Sector-Level Credit Access)

Exact % of Service vs. Trade sector MSMEs with bank credit. Sits in the raw FinScope dataset, requires formal request to FinMark Trust. Would convert our estimated coverage scores to verified ones.

SARS Tax Compliance Overlay

Mapping turnover-tax registered informal businesses vs. those operating below the VAT threshold. Would sharpen the formalization readiness score per sector.

Spatial Commute Cost Index (Minibus Taxis)

Real-time local taxi fares compared to Stats SA consumer price indices

Spaza Sunflower Oil Brand Share

FMCG retail audit brand velocity in informal shops

Sunfoil Most available oil brand logged in spazas

Kasi Payment Terminal Share

Payment terminal penetration across mapped informal merchants

Cash Dominance (No POS) 55.0%
Card Acceptance (Yoco/iKhokha) 45.0%

Kasi Food Inflation Index

Local informal food markup trends (Inhloko & Spaza Staples)

31.2% Average gross profit margin logged for informal vendors

Cash vs. Digital Velocity

Primary transaction types in the mapped informal SME pool

Pure Cash Volume 64.5%
Mobile Wallet/Card (Yoco, etc.) 35.5%

Municipal Water Infrastructure Outages

High-frequency local reports compared to municipal status reports

Active Water Cuts Mapped
2 Wards

Unlike city-wide bulletins, this maps specific sub-wards where water pressure or supply is down, causing immediate trade shutdowns.

Kota & Street Food Index

Pulse Ground Data
R22 Avg Basic Kota
R45 Avg Full House
38% Avg Gross Margin
12% Food Waste Rate

Top Bread Suppliers

Polony Brand Share

Tavern & Shebeen Intelligence

Pulse Ground Data
R32 Avg Quart Price
34% Licensed Rate
+85% Month-End Revenue Spike
22% Revenue from Food

Top Beer Brands

Security Incidents (Last 6 Months)

Semantic Digital Twin: Soweto & Khayelitsha Township Nodes
Trader Transit Infra

Ontology Node Inspector

Click on any node in the semantic graph to inspect its properties, cash flow ledgers, and downstream risks.

Scenario Controller

Simulate infrastructural or logistical disruptions and watch the ripple effects cascade across the KasiOntology network.

Simulate Water Grid Failure

Shuts down water supply in key wards
Target Region:
Outage State:

Simulate Taxi Fare Hike

Simulates a sudden hike in commuting transport cost
Fare Increase:

Predictive Cascade Analytics

System-generated predictive outcomes based on ontology relationship rules

0 Businesses Disabled

Informal traders experiencing critical operating shutdowns due to resources/infrastructure.

R0.00 Daily Cash At Risk

Estimated township economic velocity lost at mapped SME level.

0% Commute Budget Spike

Average percentage increase in transport cost relative to low-income wages.

Simulation Status: Base Case

The network is currently operating at base baseline values. No simulation shocks are active. The Kasi cash flow remains stable.

Live Ward Boundary Map

Official MDB Wards 2026 boundaries (4,488 wards) - sourced live from the Municipal Demarcation Board ArcGIS Feature Service for the upcoming 2026 Local Government Elections.

MDB Official Data (June 2026)
Select a metro to load wards

Formalization Pipeline

Every trader journey: Invisible → Profiled → Verified → Credit-Ready → Bankable.

Supabase Live Sync
1,842
Profiled
Agent visited
>
1,456
GPS Verified
Photo + GPS match
>
1,102
Credit-Ready
DQS >= 80/100
>
634
Loan-Ready
3+ verified visits
84
Avg DQS Score
96%
GPS Match Rate
78%
Photo Evidence Rate
2.4
Avg Visits/Trader

How Agent Data Becomes a Credit Score

📱 Agent visits trader 📝 30-field profile + photo 📍 GPS + DQS verification 🧳 Receipt cross-reference ✅ Credit Score Generated

Institutional Profile Output

This is what institutional buyers receive via API. Same underlying data, different lenses for different customers.

Financial Inclusion Progress

Tracking the journey from invisible to included. Every data point our agents collect moves a trader closer to formal financial services.

56%
Unbanked When Profiled
Down from 62% (Jan)
234
First-Time Bank Accounts
Opened via Pulse data
R8.2M
Credit Disbursed
Avg loan: R12,940
89%
Repayment Rate
vs 78% industry avg

Banking Status (Profiled Traders)

Insurance Coverage

How We Collect: Agent Gig Data Flow

🏠
Trader Profile
30 fields + photo
500 pts
🍔
Kota Profile
22 fields + AI Qs
300 pts
🍺
Tavern Profile
23 fields + AI Qs
350 pts
📷
Receipt Snap
Photo + amount
50 pts
💰
Price Basket
8 staple prices
150 pts
🚶
Foot Traffic
Verify + photo
80 pts

Impact & Coverage Dashboard

Real-time overview of the Pulse agent network, data coverage, and ESD impact metrics. Designed for DFI and corporate impact reporting.

247
Active Agents
Live in field
1,842
Traders Profiled
Verified dossiers
8
Metros Covered
JHB * CPT * DBN * TSH * EKU * NMB * BCM * MNG
14,506
Total Submissions
Avg DQS: 84/100

Submissions by Gig Type

Trader Profiles 4,231
Kota Profiles 1,847
Tavern Profiles 1,203
Price Baskets 3,412
Receipt Snaps 2,156
Infra Reports 892
Foot Traffic 765

ESD Impact Scorecard

Pulse Verified
R4.2B
Informal Turnover Mapped
6,840
Jobs Supported
28,500
Dependents Reached

Audit Note: All impact figures derived from GPS-verified, DQS-scored field data. Each trader profile carries a minimum 3-point verification chain: Agent GPS match, foot-traffic confirmation, and wholesaler receipt cross-reference. Data available via API for BBBEE/ESD compliance reporting.