What is SIM-Skin (SIM-Overlay) Technology on ZebraWallet?

Q: What is SIM-Skin technology?
A: SIM-Skin (also known as SIM-Overlay) is a revolutionary technology that allows you to access ZebraWallet services without needing an internet connection or a smartphone .
Think
of it as a tiny software application that sits on top of your regular
SIM card. It creates a menu on your phone (similar to the network
operator menu you see for balance checks) that lets you perform
financial transactions using simple text and USSD commands.
Q: How does it work?
A: The technology works by using the SIM card's secure application toolkit (STK). When you have a SIM-Skin enabled SIM card:

1. No Data Needed: You do not need 3G, 4G, or Wi-Fi. It works on the basic GSM network.
2. Simple Menu: You navigate a text-based menu directly on your phone screen using your keypad.
3. Secure: Transactions are encrypted and secured using the SIM card's unique identifiers.

Q: Why is this important for me?
A: This technology is a game-changer for financial inclusion in Nigeria. Here is why:

• Works on Any Phone: Whether you have a smartphone, a feature phone, or an older generation handset, SIM-Skin works perfectly.
• No Data Cost: You don't need to buy data bundles to send money or buy airtime. This saves you money.
• Universal Access: It allows Nigerians in rural areas or places with poor internet connectivity to access banking services easily.
• Simple to Use: The menu is text-based and easy to follow, making it accessible for everyone, regardless of their technical know-how.

Q: What can I do with ZebraWallet's SIM-Skin?
A: With a SIM-Skin enabled SIM card registered to ZebraWallet, you can perform most of the same functions as the app, including:

• Transferring money to local banks.
• Buying airtime for yourself and others.
• Paying bills.
• Checking your account balance.

Q: How do I activate the ZebraWallet SIM-Skin service?
A:
To get started, you will need a special SIM card from one of our
partner network providers. Visit any ZebraWallet agent or partner
network shop and request a ZebraWallet SIM-Skin enabled SIM card. Once inserted, you will see the ZebraWallet menu appear when you access your SIM services.
Q: Is it safe to use on a basic phone?
A:
Absolutely. SIM-Skin technology is considered very secure. Because the
application lives on your SIM card and not on the phone, it is protected
from many types of malware and phone-based hacking attempts. Your
transactions are still protected by your PIN.