Standards/mop
Mopé
Overview
Mopé is Suriname's bank-led mobile wallet + QR-payment platform, launched by Hakrinbank — one of Suriname's major commercial banks [1, 2, [sr-cro]]. Mopé enables users to make and receive payments by scanning a QR code or by sharing a payment request — providing all residents of Suriname direct access to the digital financial system, including the (many) residents without bank accounts. Users can create a payment request which can be displayed as a QR code that can be scanned by another Mopé user — or enter a mobile number to send.
The structural significance: Mopé is Suriname's most-developed bank-led mobile wallet — addressing substantial unbanked Surinamese population. Multi-currency support (SRD + USD + EUR) is structurally distinctive — reflecting Suriname's currency environment with Surinamese dollar (SRD) + USD + Euro circulation. Multiple funding channels: internet banking, Automatic Transfer Order (AGO), mobile banking at all banks, all Hakrinbank ATMs — comprehensive cash-in/funding infrastructure. Mopé Wholesale app provides business-side QR payment-request creation + collection for organisations. Mopé competes with DSB Mobile Banking + other Surinamese bank-channel apps. Suriname's payment landscape is multi-bank: Hakrinbank (Mopé), DSB (De Surinaamsche Bank), Republic Bank Suriname, others.
History
Background — Surinamese payment landscape SR:
- Centrale Bank van Suriname (CBvS) — central bank.
- Hakrinbank — major Surinamese commercial bank, Mopé operator.
- DSB (De Surinaamsche Bank NV) — competing major SR bank.
- Republic Bank Suriname — additional player.
- Multi-currency context: SRD, USD, EUR.
Mopé launch by Hakrinbank [2]:
- Bank-led mobile wallet for Surinamese unbanked population.
Mopé Wholesale app for businesses [wholesale]:
- B2B + organisation use case.
Multi-currency support (SRD + USD + EUR) [3]:
- Distinctive multi-currency design.
Funding channels: internet banking + AGO + mobile banking at all banks + Hakrinbank ATMs [2]:
- Comprehensive cash-in infrastructure.
Technical specification
Mopé is Hakrinbank-operated Surinamese bank-led mobile wallet + QR-payment platform [1, 2]:
| Layer | Description |
|---|---|
| Operator | Hakrinbank (Surinamese commercial bank) |
| Country | Suriname |
| Currencies | SRD + USD + EUR (multi-currency) |
| Channels | Mopé app (iOS + Android), Mopé Wholesale app for business |
| QR generation | User-created payment requests displayed as QR codes |
| Identifier | QR code or mobile number |
| Funding channels | Internet banking, Automatic Transfer Order (AGO), mobile banking at all banks, Hakrinbank ATMs |
| Distinctive | All-Surinamese-residents access including unbanked |
| Regulator | Centrale Bank van Suriname (CBvS) |
Use cases
P2P transfers [1]: Cardinal — QR or mobile-number addressing.
Unbanked Surinamese residents access [1]: Financial-inclusion.
Merchant QR-payments [2]: Scan-to-pay.
Business B2B + organisation use (Mopé Wholesale) [wholesale]: Distinctive B2B layer.
Multi-currency operations (SRD + USD + EUR) [3]: Surinamese currency environment.
Multi-channel cash-in [2]: Internet banking, AGO, mobile banking, ATMs.
Implementations & ecosystem
Operator: Hakrinbank (Surinamese commercial bank).
Regulator: Centrale Bank van Suriname (CBvS).
Major SR competitors: DSB Mobile Banking, Republic Bank Suriname channels.
B2B extension: Mopé Wholesale app.
Fun facts
- Multi-currency (SRD + USD + EUR): Surinamese multi-currency context.
- All-Surinamese-residents access including unbanked: Financial-inclusion focus.
- Mopé Wholesale B2B app: Distinctive business-layer.
- Multi-channel cash-in via internet banking + AGO + mobile banking + ATMs: Comprehensive funding.
- Bank-led model: Hakrinbank vs MNO-led African mobile-money peers.
- Suriname Dutch-speaking + Caribbean-South-American context: Cultural distinctiveness.
- Population ~600K: Small-market context.
Comparison
| Feature | Mopé (SR) | mmg (GY) | paywise-qr (TT) | caribpay (Caribbean) | DSB Mobile Banking (SR — competitor) |
|---|---|---|---|---|---|
| Operator | Hakrinbank | MMG Inc. (GTT subsidiary) | PayWise Limited | CaribPay | DSB |
| Type | Bank-led mobile wallet + QR + Mopé Wholesale | Telco-led mobile wallet | TT multi-channel fintech | Caribbean Scan & Pay | Bank mobile banking |
| Country | Suriname | Guyana | Trinidad and Tobago | Caribbean | Suriname |
| Currencies | SRD + USD + EUR | GYD | TTD | Multiple | SRD |
| Business layer | Mopé Wholesale | n/a | n/a | n/a | Bank channel |
Status
- Hakrinbank operator.
- Mopé app + Mopé Wholesale (business).
- Multi-currency SRD + USD + EUR.
- Multi-channel cash-in.
- Financial-inclusion design for unbanked Surinamese.
Sources
- 1 Mopé FAQ — official
- 2 All about Mopé — Hakrinbank
- 3 Mopé — Spark MWM
- wholesale Mopé Wholesale — Google Play
- [sr-cro]
reports/countries/SR-suriname.md
Deployments
Found in the following country reports (grep across reports/countries/):
- SR — SR-suriname.md