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# Introduction
As we look back on the month of October, we at Chimoney are filled with gratitude for the incredible outpouring of support and participation during Hacktoberfest 2023. This year Chimoney marked its second consecutive year of active participation in Hacktoberfest and it was incredible!

Throughout October, Chimoney witnessed great enthusiasm from the open-source community, with over 20+ developers contributing to various Chimoney-related projects. These contributions ranged from bug fixes on previously built projects and documentation improvements to feature enhancements and new integrations, demonstrating the community's dedication to shaping the future of Chimoney's open-source initiatives.

Chimoney's Hacktoberfest efforts focused on two key areas:
### 1. Enhancing Chimoney's Open-Source Ecosystem:

**Localizing Chimoney Community Project's READMe Documentation**

Driven by a commitment to fostering inclusivity and accessibility, several contributors took on the initiative of localizing our READMe documentation. Their efforts resulted in translations into various languages, including Japanese, Spanish, German, Korean, and Chinese. These translations not only empower non-English speaking developers to contribute effectively but also exemplify Chimoney's dedication to building a diverse and inclusive open-source ecosystem.


**Improving Chimoney's API Documentation**

We prioritize developer experience by continuously refining our API documentation based on valuable feedback from the developer community. This year we sought and received feedback from contributors on how to make our API documentation better to ensure it is clear and comprehensive.

**Developing new integrations with the Chimoney API**

Contributors actively developed new integrations with the Chimoney API, specifically for platforms such as Discord, Slack, Telegram, and GitHub.

### 2. Promoting Collaboration and Community Engagement:

**Organizing Hacktoberfest Contributhons**

During the initial two weekends of Hacktoberfest, we organized Contributhons at the Technical University of Kenya and conducted a joint session with Maseno University and Masinde Muliro University. Surprisingly, nearly 70% of the students were new to the concept of open source and had never contributed to such projects. It was fulfilling to introduce them to the world of open source, providing guidance on their initial contributions. Through these events, we successfully introduced 160 students to the open-source community, inspiring them to embrace collaboration and continuous learning. The response was overwhelmingly positive, with participants eagerly immersing themselves in the world of open-source!


**Engaging with Contributors**

Chimoney actively engaged with contributors throughout the month through weekly office hours, providing mentorship, support, and recognition for their efforts. This engagement helped to create a welcoming and supportive environment for the open-source community.

## Featured Contributions:
- [Amos Ayomide](https://github.com/amosayomide05) developed the Chimoney Discord, WhatsApp, and Telegram integration bots, providing convenient access to Chimoney transactions within these popular messaging platforms.
- [Limeskies](https://github.com/thelimeskies) created the Slack integration, facilitating money transfers within a Slack workspace. Users can effortlessly send money to other users through simple commands, leaving the bot to handle the intricacies of the transaction.
- [Ayo Awemidipupo](https://github.com/Ayo-Awe) built the GitHub bot enabling direct rewards to GitHub contributors via Chimoney, providing a streamlined approach to recognizing contributions!
- [Kartikey](https://github.com/QuantuM410) Singh built [Secret Santa](https://secret-santa-chimoney.vercel.app/), a platform that facilitates anonymous gifting among friends and colleagues using Chimoney.
- [Limeskies](https://github.com/thelimeskies) enhanced the BaseAPI for Environment Switching, introducing a Sandbox Option for the Python SDK, simplifying development and testing environments for developers.


&nbsp;
##Incentives
To encourage participation, we rewarded contributors with $25 for each merged pull request that was considered a significant contribution. This served as a tangible expression of gratitude and a motivator for continued engagement for the contributors.

&nbsp;
## Milestones Achieved in 2023
We had incredible growth this year and here are the highlights:
- Pull Requests (PRs): 67 submitted PRs with 45 of them approved!
- Contributors: 31 total contributors, representing an 82% increase from 2022's 17 contributors.
- Global Participation: We had active participation from individuals in India, Nigeria, Kenya, and Bangladesh!
- Issues: 90+ issues created
- Forks: We passed 100+ forks and stars!

&nbsp;
## Testimonials from Chimoney Hacktoberfest 2023
The success of Chimoney Hacktoberfest 2023 was not only measured by the number of contributions but also by the positive impact it had on the developer community. To capture the essence of this impact, we gathered testimonials from participants, sharing their experiences and learnings from it.

&nbsp;
#### From Novice to Contributor

>"It was amazing to work with and contribute to Chimoney, as a beginner in open source, I think this was a very good platform to start with and most importantly the rewards that came along were for sure a booster for all the contributors." - ~Adarsh

&nbsp;
#### A Collaborative Experience

>"I had a wonderful experience participating in Hacktoberfest with Chimoney. The collaborative spirit among the team members made the event enjoyable. Whenever unexpected issues or bugs arose, the team consistently exhibited readiness and agility in addressing them. This collective effort not only made the event successful but also reflected the team's commitment to delivering a quality experience. I appreciate the collaborative atmosphere and the team's proactive approach to problem-solving during Hacktoberfest with Chimoney." - ~Kartikey

&nbsp;
#### Gratitude for Community Support

>"I began contributing to open source a month before Hacktoberfest 2023 and discovered Chimoney among the accepted repositories. Identifying a bug in their API documentation link, I raised an issue and fixed it through a PR, it got merged and received $25, which I used to purchase a headset for my tech learning. This marked my second merged PR, and I expressed gratitude to Chimoney for the opportunity. I also opened a new issue, showcasing my excitement about contributing via Gitpod directly from the browser. Phylis and Uchi's patience during PR reviews stood out as a positive experience in my journey." - ~ Harlimat 

&nbsp;
## What's next after Hacktoberfest?
While the Chimoney Hacktoberfest has officially concluded, the journey of open-source contribution and community engagement continues. We encourage our contributors to maintain their momentum and continue contributing to our open-source projects. We still have open issues you can take up [here](https://github.com/Chimoney/chimoney-community-projects/issues).

For any follow-up questions or guidance in case you're new to open source reach out on our [Discord Server](https://discord.gg/XJDwSqdA5B).
To our remarkable community, thank you for being the driving force behind Chimoney Hacktoberfest's success. We look forward to continuing our journey with you next year!


Read about Chimoney's Hacktoberfest 2023 journey, where we witnessed a surge of enthusiasm and contributions from the open-source community. Discover how developers enhanced our open-source ecosystem, fostered inclusivity, and streamlined integrations. Learn how the power of community engagement, mentorship, and rewards fueled this successful event.

Chimoney Hacktoberfest 2023 Recap

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**tl.dr:** _Chimoney is proud to announce the acquisition of the Scrim App, a social payment app built for Gen Z. Scrim's unique features, designed to send payment to social handles and DMs caught the attention of Uchi, Chimoney's CEO. The Scrim App will be relaunched in December 2023 with enhanced features powered from the ground up by Chimoney's API and Wallet as a Service (Waas)._

---

We're excited to share that we have acquired the Scrim App, a forward-thinking social Payments App that enables you to send Payments to social handles and DMs (Direct Messages).

## What this means for Scrim and Chimoney users
- **Pay to Emails and Phones:** _Scrim by Chimoney_ will enable you to pay anyone in the world using just their email or phone number
- **Launch Fintechs Fast:** Scrim is a live product that uses Chimoney’s infrastructure and API for Global Payments, Rimittance and Rewards. This showcases how other Startups and Developers can use Chimoney’s Infrastructure and API
- **Earn when you Spend:** Users on Scrim earn for purchases made on the Scrim App

[![Scrim by Chimoney Banner](/uploads/new_phones_246d7d15_777572ea41.png)](https://scrim.ai/)

&nbsp;

## A Perfect Match: Scrim's Innovative Journey
Scrim is the brainchild of Pleasant Balogun, who serves as the company's CEO and CTO. Pleasant founded Scrim at age 17 and have infused elements of the new generation (Gen Z) into the design, marketing and promotion of the App. Pleasant and his dynamic team initially designed the Scrim app as a social payment App powered by Chimoney’s API and Wallet Infrastructure, which  allows users to send money to individuals through their social media handles. It quickly garnered attention, both from the public and the Chimoney team and Uchi Uchibeke, Chimoney’s founder have collaborated with Pleasant since the inception of Scrim.
&nbsp;

## Joining Forces for a Brighter Future

With Chimoney's acquisition of Scrim, Scrim's already impressive functionality is poised for substantial enhancement. Our teams have been working tirelessly to upgrade the initial app features, as well as introduce exciting new features. This transformation is all part of our vision to empower people everywhere with options to get paid for value they create and to showcase the power of Chimoney’s APIs for fully powering other Payment Platforms. The full integration of Scrim with Chimoney's API promises greater stability and reliability for Scrim while maintaining the Scrim name and brand.

Our commitment to Scrim goes beyond enhancing its functionality. Our brand and design team is commited to maintaining Scrim's original identity while making a few changes to bring in some elements of Chimoney into Scrim.

&nbsp;

## A Glimpse of What's to Come
The eagerly anticipated release of the new Scrim app is slated for December 2023. Here's a sneak peek of some of the outstanding features you can expect:

**1. Earning Opportunities:** In keeping with Chimoney’s commitement to economic empowerment, Scrim is going above and beyond standard transactions. Users will have the chance to earn effortlessly. Whether it's shopping through the app or completing tasks like sharing articles or engaging with social media posts, this feature adds a new dimension to the app, elevating the user experience and providing opportunities for people everywhere to earn from the value they create and get paid in local currencies, thanks to Chimoney’s global reach and payout capabilities.

**2. Global Real-Time Payments:** The Scrim app will empower users to send money to anyone in the world using just their email, phone number of Interledger Wallet Address (Payment Pointer). It will also empower **verified** Scrim users receive payments worldwide, regardless of their location. Recipients of Payment from Scrim can cash out their money locally exactly how they want it: to bank accounts in over 100 countries, Airtime, Mobile Money wallets in 17 countries, gift cards in 210 countries, cryptocurrencies in 7 blockchains, or even shop on platforms like Amazon and Shopify.

**3. Shop with Scrim Wallet Balance:** Users will have the convenience of shopping on Amazon and Shopify and paying with their Scrim balance, making online shopping more accessible and enjoyable. This unlocks access to over 500 million products right within the Scrim App.

**4. AI Capabilities:** Scrim users can enjoy personalized recommendations powered by AI. Approved Users can unlock additional earning opportunities by enhancing Scrim through the development and listing of prompt-based AI Apps.

&nbsp;

## Chimoney and Scrim: A Bright Future
At Chimoney, we are thrilled about this collaboration with Scrim. Our CEO, Uchi Uchibeke, remarked, "The idea behind the Scrim app is simply brilliant. I have collaborated with Pleasant and the Scrim team on several projects including Scrims integration with Chimoney’s API and Wallets. It’s no-brainer for us to acquire the Scrim App and help it grow."

Pleasant Balogun, Scrim's CEO, expressed his enthusiasm for the partnership, stating, "Working with members of the Chimoney team has been fantastic. Together, we're going to take Scrim to new heights."


&nbsp;

## Get Involved and Stay Informed

So, how can you get involved?
- Join the Scrim waitlist at [scrim.ai](https://scrim.ai/).
- Follow Scrim on [X (Twitter)](https://twitter.com/sendscrim), [Instagram](https://www.instagram.com/sendscrim/), and [LinkedIn](https://www.linkedin.com/company/sendscrim).

The future of global transactions is coming soon, and it's never looked brighter! Let’s work together to unlock economic opportunities for everyone!

Chimoney is proud to announce the acquisition of the Scrim App, a social payment app built for Gen Z. Scrim's unique features, designed to send payment to social handles and DMs caught the attention of Uchi, Chimoney's CEO. The Scrim App will be relaunched in December 2023 with enhanced features powered from the ground up by Chimoney's API and Wallet as a Service (Waas)

Chimoney Acquires Scrim App

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## Introduction

Chimoney’s mission is to unlock economic opportunity for everyone. It is in this vein that we provide innovative payment infrastructures to businesses worldwide. We believe that everyone should have equal access to financial services, regardless of their background or location.

At Chimoney, we're passionate about improving lives by providing equitable access to rewards. We believe in empowering individuals with fair opportunities to unlock their full potential and enjoy the benefits they deserve. This commitment to making a positive impact drives everything we do.

In line with our mission and vision, Chimoney is excited to announce a collaboration with Dreamax, a vibrant and inclusive community of tech enthusiasts, designers, developers, and creatives. This partnership reflects our shared values of equality, equity, and growth within the design and tech industry.

At Chimoney, our conviction is clear: Financial inclusion and economic empowerment are fundamental human rights. Yet, countless individuals across the globe still face barriers to these rights. This drives us to innovate, to break down these barriers, and our [latest collaboration with the Interledger Foundation (ILF)](https://chimoney.io/blogs/chimoney-and-interledger-bridging-global-payment-systems-for-the-future), backed by the [2023 ILP-enabled Financial Services grant](https://community.interledger.org/interledger/announcing-ilfs-newest-grantee-chimoney-1fn), is a testament to this commitment.



&nbsp;

## A Commitment to Equality and Inclusion

[Dreamax Design Community](https://dreamaxhq.com/), a platform dedicated to promoting equity, growth, and equality within the design industry, aligns perfectly with Chimoney's values. We believe that everyone deserves access to opportunities and resources that allow them to grow and succeed, regardless of their background or identity.

At Chimoney, we're committed to promoting equity in the design industry by advocating for fair and inclusive hiring practices and creating opportunities for underrepresented communities to succeed. We recognize diversity and inclusion as vital for fostering creativity and innovation.

&nbsp;


## Empowering Future Tech Leaders

Dreamax is a community primarily composed of up-and-coming tech learners, students, and enthusiastic creatives. By collaborating with Dreamax, Chimoney aims to empower these budding tech leaders by providing occasional financial assistance in the form of airtime stipends. These stipends will be sent directly to community members via [Chimoney Payouts](https://chimoney.io/payouts), allowing them to experience the Chimoney redeem process and access the rewards they deserve.

&nbsp;

## Educational Opportunities

In addition to providing financial assistance, Chimoney is opening its doors to the Dreamax community by offering access to some of our experts for online seminars and educational experiences. We believe that knowledge-sharing and collaboration are essential for growth, and we're excited to contribute to the learning journey of Dreamax members.

The stipends, sent via Chimoney's bulk rewards system, Chimoney Payouts, will not only empower Dreamax members but also allow them to understand the process of redeeming digital rewards. Our commitment to promoting equity, growth, and equality extends beyond this collaboration, and we look forward to the positive impact it will have on the Dreamax community.

&nbsp;

## Joining Hands for a Brighter Future

At Chimoney, we view design and technology as powerful tools for positive change. Through our collaboration with Dreamax, we aim to foster a community that reflects these beliefs and values. Together, we can create a future that empowers individuals, values equality, and promotes growth within the tech and design industry.

We're excited about the possibilities this collaboration brings and can't wait to see the positive impact it has on the Dreamax community and its members. As we move forward, we remain dedicated to our mission of unlocking economic opportunity for everyone, one collaboration at a time.

Stay tuned for more updates on this exciting partnership, and feel free to connect with us to learn more about how we're making a difference in the tech and design industry.


&nbsp;

### Unlock your potential with Chimoney and Dreamax. Join us on this journey towards a brighter and more inclusive future, follow [Chimoney](https://twitter.com/chimoney_io) and [Dreamax](https://twitter.com/dreamaxhq) to stay updated!


Explore Chimoney's philanthropic partnership with Dreamax, a tech and design community, focusing on equity, growth, and supporting future tech leaders. Discover how Chimoney empowers students and tech enthusiasts with airtime stipends, knowledge-sharing, and digital rewards redemption, all aimed at fostering a brighter, more inclusive future in the industry.

Chimoney Collaborates with Dreamax to Empower Tech Enthusiasts

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## Chimoney Hacktoberfest 2023 is Here! 🚀
Welcome to Hacktoberfest 2023, a month-long celebration of open-source! We're excited to announce that Chimoney is participating in this global event by offering a range of open-source issues for Hacktoberfest contributors to contribute to. This is your all-access guide to one of the most awaited events of the year, where you'll have the opportunity to contribute to various open-source issues and make a real impact. Let's dive into what makes this event an opportunity you won't want to miss.

&nbsp;


## What Is Hacktoberfest by Chimoney?
Hacktoberfest by Chimoney is more than just a contribution; it's a platform for tech enthusiasts, developers, and creatives to come together and make a real impact on open-source. With a focus on Chimoney's open-source community issues, we aim to build, enhance, and innovate in the world of fintech and beyond.
&nbsp;

## Event Highlights

### Interactive Skill-Building Workshops:
We understand the value of knowledge-sharing. That's why we're hosting a series of hands-on workshops covering various tools and concepts in open-source _(Long period of contribution)_ development. Whether you're new to open source or a seasoned pro, there's always something new to learn.
&nbsp;
#### Here are the sessions we have line up for you:

```
Intro to Open source and Chimoney Community Projects
```
 - **4th October** at  5:30 pm EAT | 3:30 pm WAT | 10 AM EST

&nbsp;

```
Effective Contribution To Open source
```
 - **18th October** at  5:30 pm EAT | 3:30 pm WAT | 10 AM EST

&nbsp;

```
Weekly Office Hour Calls
```
 - **Every Tuesday (From 4th-25th)** at  5:30 pm EAT | 3:30 pm WAT | 10 AM EST

&nbsp;

Register for these workshops [here](https://forms.gle/KKk8GepQczzn2uMv7)
&nbsp;

### Issues
We have an array of issues, ranging from beginner-friendly and good first issues to advanced ones. Whether it's optimizing code for efficiency or elevating user experiences, your contributions will have a meaningful impact.


&nbsp;

## How to Participate
1. **Select an Issue**
Explore the list of issues in our [Community repository](https://github.com/Chimoney/chimoney-community-projects) and pick one that aligns with your interests and expertise.
2. **Join the Discussion**
Engage with fellow developers, share your insights, and seek guidance  via our [community channel](https://discord.gg/Q3peDrPG95).
3. **Collaborate and Contribute**
Collaboration is at the heart of Hacktoberfest. Collaborate with peers, exchange ideas, while contributing to our open-source issues.

&nbsp;

### Prizes and Rewards
Your hard work deserves recognition, and we've got fantastic prizes lined up for contributors with merged PRs.

1. Get $25 for each merged PR
2. Exclusive Chimoney Hacktoberfest t-shirts and stickers for contributors with upto 4 merged PRs
3. You stand a chance of winning upto $100 plus hacktoberfest benefits if you have a total of 4 merged PRs
4. You’ll also get a chance to be featured in our **‘Contributor Spotlight Series’**

&nbsp;

### Why Hacktoberfest Matters
Open source has been a game-changer; increasing accessibility to software and improving innovation within the tech ecosystem, and Hacktoberfest is your chance to be a part of something this amazing. By contributing to open-source projects, you're not only expanding your skill set but also helping to shape the future of technology. 

&nbsp;

### Testimonials from Chimoney Hacktoberfest 2022 Contributors
Discover Insights from Our Contributors of the Previous Year about Their Chimoney


**Hacktoberfest Experience:**
- My entire experience was great. I'm originally a developer, but the contributions I made were all no-code. My goal for this year's Hacktoberfest was to try to make direct meaningful contributions to organizations, and I was able to achieve that with the help of chimoney. ~Treasure, Chimoney Community member & Contributor.

- My whole experience while contributing to the Chimoney Hacktoberfest project was great and I really loved the incentives as they motivated me and the other contributors to contribute to the issues. ~Khadeejah. ChiSquad Member & Contributor.

- Chimoney participation in the Hacktoberfest 2022 is an awesome move! I’m glad we didn’t not only gained new insights, ideas, and innovation from the initiative but also were able to encourage open source contributors and reward contributors with merged PRs. The Chimoney community project is available for people across the globe to contribute to afterwards. ~Omotola, Former Chimoney Community/DevRel Lead.

- We were able to discover some bugs in the Developer API which were raised and fixed via the Chimoney Repo. Contributors built SDKs for the Chimoney API to enable developers to integrate within their code. We were also able to see other use cases of the Developer API and the Unispend widget. ~Eloghosa, Software Engineer, Chimoney Project Maintainer.

&nbsp;

### Join us for Hacktoberfest 2023!
If you're eager to contribute to open source, and ready for a challenge, don't miss out on this fantastic opportunity.

Get started [here](https://github.com/Chimoney/chimoney-community-projects)


Join Chimoney for hacktoberfest 2023, contribute to our community open source project issues and win amazing rewards! 

Chimoney Hacktoberfest 2023 Is Here!

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## Introduction
[Chimoney](http://chimoney.io/) is thrilled to announce our integration partnership with the [Interledger Foundation](https://community.interledger.org/interledger/announcing-ilfs-newest-grantee-chimoney-1fn). By integrating the Interledger Protocol (ILP) into our [Wallet](https://chimoney.io/wallet-as-a-service) and Infrastructure, we're pioneering a new era of financial inclusion and empowerment.


At Chimoney, our conviction is clear: [Financial inclusion and economic empowerment are fundamental human rights](https://chimoney.io/blogs/financial-inclusion-is-dead-welcome-economic-empowerment). Yet, countless individuals across the globe still face barriers to these rights. This drives us to innovate, to break down these barriers, and our latest collaboration with the Interledger Foundation (ILF), backed by the 2023 ILP-enabled Financial Services grant, is a testament to this commitment.

&nbsp;

## Financial Empowerment: A Right, Not a Privilege

We stand firm on a mission to democratize economic opportunities for everyone, irrespective of their location or background. For us, financial services shouldn't be a privilege — they should be universally accessible. In this partnership to integrate interledger and connect disconnected payment systems to global payout rails, we're taking a monumental step toward realizing this vision.

&nbsp;

## A World Without Borders: Why Interledger?
In a nutshell? It's the future. Interledger isn't just another addition to the fintech jargon. It’s the TCP/IP for money. It's about connecting diverse financial ecosystems, from the traditional to the novel, like blockchains.

And with the integration of the Interledger protocol, Chimoney will be able to bring Bank cash out, Mobile Money, Airtime, Gift Cards, and more, into the expansive Interledger ecosystem.

&nbsp;

## The Partnership in Action: Expanding Financial Access
Our Integration starts with a Research Phase, ensuring every step is robust and impactful. This collaboration promises seamless cross-border transactions and extended financial access. Notably, the integration of Rafiki capabilities into Chimoney Wallets offers a seamless transition between financial touchpoints. Through several phases of the collaboration, here's a snapshot of our planned milestones:

- Deployment of [Rafiki](https://github.com/interledger/rafiki) Infrastructure within Chimoney.
- P2P transfers enabled for Chimoney Wallets via Interledger Payment Pointers.
- Integration of [Web Monetization](https://webmonetization.org/docs/) capabilities within Chimoney Wallets.
- Holistic payment experiences through strategic pairings with Interledger providers.

&nbsp;

## For Chimoney’s Network: More Power, More Possibilities
Simply put more power to you. Whether you're a partner or a client, expect accelerated [global payouts](https://chimoney.io/payouts), more cash-out avenues, and seamless integration through other Interledger-enabled Financial service providers, all thanks to our enhanced Interledger capabilities. And with Chimoney’s API, integration has never been smoother. Every Chimoney Wallet, through our Wallet as a Service infrastructure, will be empowered with Interledger capabilities.

&nbsp;

## What’s next?
Our vision is clear: A world where financial empowerment is tangible and real. This partnership signifies more than just an upgrade in services; it's a statement of our unwavering commitment to innovation. And the best part? We'll be showcasing our integration at the upcoming [Interledger Summit](https://interledger.org/summit) in Costa Rica.

&nbsp;

## Join Our Movement:
**Interledger Community:** This is just the start. Together, we can accelerate ILP adoption and redefine payment systems for the better. Register to meet us at the [Interledger Summit](https://interledger.org/summit).

**Potential Partners and Clients:** We're more than a [payout platform](https://chimoney.io/payouts); we're a revolution. If you're a business or an Fintech keen on being part of this transformation by using Chimoney's platform or API, let's connect. [Book a demo](https://chimoney.io/book-a-demo) with Chimoney.

**To Our Supporters:** Stay updated with our progress by following us on [Twitter](https://twitter.com/chimoney_io), [LinkedIn](https://www.linkedin.com/company/chimoney), and Facebook. With Chimoney and Interledger, we're not just connecting the world; we're empowering it.


Discover how Chimoney's integration of the Interledger Protocol will revolutionize cross-border payments and expand financial access worldwide.

Chimoney & Interledger: Bridging Global Payment Systems for the Future

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 **Summary:**  Learn about the Chimoney x SpaceYaTech Hackathon, a collaborative effort to address real-world challenges in cross-border payments. This event provides a platform for tech enthusiasts to contribute to fintech solutions with global impact. Learn how you can join, participate in shaping the future of fintech, and even win prizes and exclusive merchandise. Register now for this immersive hackathon experience and become part of the movement to transform the finance industry. 🚀🌟

&nbsp;
&nbsp;


## Creating Economic Opportunities Through Innovation: Chimoney x SpaceYaTech Hackathon 🚀
In a rapidly evolving world, creative problem-solving is of utmost importance, especially in the tech ecosystem. At Chimoney, we are on a mission to unlock economic opportunities for everyone, and our commitment to this mission reflects through our most recent partnership with SpaceYaTech for a virtual hackathon!
Together, we are embarking on an exciting journey to provide a platform for individuals passionate about technology and developers to collaborate and build solutions that solve intricate payment processes and make them simpler.

It's more than just a hackathon; it's an opportunity to be part of something bigger – a movement to reshape the future of global finance💡

&nbsp;

## Why You Should Get Involved 
Here's what you can expect from participating in this hackathon:

#### Real-world Impact:
- Work on real-world challenges in the field of cross-border payments.
- Contribute to solutions that can have a global impact, making financial services accessible to all.

#### Win Fantastic Prizes:
- Build solutions and win amazing prizes, including cash rewards.
- Get access to career-boosting opportunities that could shape your future in the tech industry.

#### Shape Fintech Innovation:
- Your ideas can shape the future of fintech.
- Be part of a community committed to driving change in finance, making it more inclusive and accessible.

&nbsp;

## Rewards & Prizes🌟
#### But that's not all! We have exciting rewards for the top teams:
- 1st Place: **225000 Chimoney**.
- 2nd Place: **135000 Chimoney**.
- 3rd Place: **90000 Chimoney**.
- Participants will also have the chance to be rewarded with limited-edition Chimoney x SpaceYaTech merchandise, including stylish t-shirts, cool stickers.

&nbsp;

## Registration Is Now Open!
#### <u>$1 = 1000 Chimoney</u>
Registration for this epic hackathon is officially open, and you're invited!
[Register Here](https://s608pc4ldti.typeform.com/to/LyM2wK2R) to secure your spot and dive into an immersive experience.

&nbsp;

## Mark your calendars for the hackathon timeline
- **Onboarding:** - September 15th
Participants get ready for the hackathon by receiving vital information and resources.
- **Hackathon  duration:** - September 18th to  22nd
The main event begins! Solve challenges, collaborate, and innovate.
- **Pitch Event:** - September 26th
Showcase your solutions and win the overall prizes!


&nbsp;
The Chimoney x SpaceYaTech Hackathon is more than just a tech competition; it's an opportunity to make a difference. So, if you're passionate about fintech, eager to innovate, and ready for a challenge, don't miss out on this fantastic opportunity. [Register Now](https://s608pc4ldti.typeform.com/to/LyM2wK2R)  and join us in the Chimoney x SpaceYaTech Hackathon!


Join the Chimoney x SpaceYaTech Hackathon and be part of a movement to reshape global finance. Solve real-world challenges in cross-border payments, win fantastic prizes, and shape fintech innovation. Registration is open!

Creating Economic Opportunities Through Innovation: Chimoney x SpaceYaTech Hackathon

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From the bustling streets of Nigeria to the heart of Canada's tech hubs, here's how Chimoney is set to change the financial world, backed by Techstars. 🚀🌟

I am excited to share that we're now backed by [Techstars](https://www.techstars.com/portfolio?q=chimoney), one of the world's most renowned startup accelerators!

But how did we get here? What are we doing right now? And where are we doing?

At the heart of every invention lies a story, often deeply personal and rooted in real-world challenges. My journey with Chimoney is no different. When I first conceived the idea of Chimoney, it was more than just another fintech venture. It was a vision - a dream to connect every payment network globally, ensuring seamless fund flow to anyone, anywhere, regardless of currency, country, or financial status. Today, as I sit down to write about this significant milestone in Chimoney's journey, I'm overwhelmed with a whirlwind of emotions, gratitude and excitement, and memories.

&nbsp;
## From Nigeria to Canada: A Dream, A Struggle

My journey into the world of fintech was not just a mere business endeavor. It was personal.  Growing up in Nigeria, I've seen the challenges people face when making cross-border transactions or simply trying to get paid for their hard work. The barriers, the delays, the fees - it seemed so unnecessarily complicated. 

Moving from Nigeria to the snowy landscapes of Canada was a decision fueled by dreams of a brighter future. The UofS promised a world of opportunities. But those dreams were soon clouded by the harsh realities of financial struggles, an outcome of government instability back home. Each day became a race against time, with the looming threat of unpaid tuition and a [jeopardized student visa status and deportation.](https://medium.com/@uchi/i-could-not-pay-my-tuition-and-i-almost-dropped-out-of-university-79fdb54414)

Yet, amidst this chaos, the dream persisted. Through sheer determination and countless hours of hard work, I not only graduated but went on to contribute to tech giants like Shopify, RBC, and IBM Canada. Success in the corporate world, however, didn't mean the end of my journey; it was just the beginning. Today marks the beginnings of another new beginning for Chimoney!

&nbsp;
## The Birth of Chimoney
Inspired by the zeal to give back and create a community to connect ambitious Africans to tech opportunities globally, I founded AfricaHacks, a platform nurturing innovation and entrepreneurship among African youth. But an all too familiar challenge resurfaced. Paying winners spread across Africa and in 10 other nations became a painstaking task, echoing the financial challenges I faced years ago.

This obstacle, ironically, became the inception of Chimoney. A platform designed not just as a business but as a solution to a problem millions face daily.

&nbsp;
## What Sets Chimoney Apart
In a world teeming with fintechs, what sets Chimoney apart? What sets Chimoney apart is not just its audacious vision but also its proven capability. Our system is designed to manage high-volume payouts across countries, geographies, and payment networks, ensuring businesses can trust us for their most demanding payment needs. Our unwavering commitment to creating a platform free from regulatory risks. Imagine a world where businesses could send money globally using just an email or phone number. A world where recipients, irrespective of where they are, can access their funds seamlessly, cashing out through banks, mobile money, airtime, crypto and more.

The global payments ecosystem is vast, with trillions flowing cross-border annually. As businesses expand their horizons and remote work embeds itself in our culture, the quest for straightforward, secure global payouts is more relevant than ever. Chimoney taps into this immense potential, offering a solution that's both innovative and intuitive.

Yet, every innovation comes with its set of challenges. In the fintech world, it's the intricate labyrinth of regulations and the ever-present foreign exchange risks. But, Chimoney turned these challenges into opportunities. By forging alliances with local entities globally, we ensure adherence to regional regulations, simultaneously leveraging local expertise to mitigate foreign exchange risks. This local-global approach ensures our users experience unparalleled convenience without the usual hassles.

Our vision goes beyond just transactions; we aim to seamlessly facilite the flow of funds, ensuring businesses can trust us as the ONE PLATFORM with their high-volume payout needs across all countries, geographies and payment networks with security, and compliance priortized.

**Today, Chimoney’s solutions are tailored for:**
- Global businesses trying to remunerate remote teams, contractors, affilaites and community members.
- Reward platforms aiming to simplify payouts and reward redemption.
- Gig economy platforms trying to streamline payments.
- And any business that values the power of truly global transactions.

With the global payouts market expanding rapidly, Chimoney offers an unmatched solution that promises not just social impact but a robust business model.

Are you a business looking to simplify your global payouts? [Discover how Chimoney can revolutionize your payment processes.](https://chimoney.io/blogs/on-building-a-network-of-payment-networks-at-chimoney)


[![Chimoney - Homepageimage_.png](/uploads/Chimoney_Homepageimage_3d7827b4b0.png)](http://chimoney.io/)

&nbsp;
## How Chimoney works

With Chimoney, anyone can [send bulk payouts](https://chimoney.io/payouts) to emails or phone numbers with just a few clicks. There's no need to collect complicated bank details. Whether you need to pay one person or a million people, we've got you covered.

The process is essentially the same, and our users can send bulk payments to a global audience, saving them a lot of time and headaches. Efficiency is at the core of what we do. We're here to streamline the process, eliminate the hurdles, and make financial transactions a breeze.

In a world where traditional banking systems can be slow, expensive, and exclusionary, Chimoney offers a refreshing alternative.

We also provide other fintechs with access to our Chimoney APIs, giving them a chance to scale without breaking the bank and supercharge their growth to effectively serve their markets. Our support for these startups allows them to access Chimoney’s partner perks and discounts, send global payouts, convert payments from multiple currencies, and cash out to bank accounts, mobile money, 300+ gift cards, and airtime in 15 currencies while earning profit – all this with our 24/7 dedicated support.

At Chimoney, we believe that by uplifting others, we have a greater chance to achieve our mission of unlocking economic opportunity for everyone.

&nbsp;
## Chimoney x Techstars: A Match Made in Startup Heaven

Our alignment with Techstars is a testament to our vision and the potential they see in Chimoney. Techstars is renowned for nurturing startups, providing mentorship, investment, and resources that propel startups to new heights of success. The program aligns seamlessly with our vision of simplifying global payments and fostering financial and economic empowerment.

As we embark on this new chapter, our commitment remains unwavering: to revolutionize global payouts, making them as simple as sending an email.


Our acceptance into Techstars Toronto is a validation of our vision and the impact we're making. We're excited to work with Techstars to accelerate our growth and further our mission of financial inclusion.


&nbsp;
### Why Techstars?

Techstars, with its proven track record of nurturing startups into industry-leading giants, resonated with our mission. Their faith in our vision is not just about funds; it's a testament to the potential they see in us. It's about collaboration, growth, and pioneering innovations. When you think of top companies emerging from accelerators, Techstars always makes the list, often debated alongside names like Y Combinator.

[![Uchi Uchibeke, Sunil Sharma at IDEA.jpeg](/uploads/Uchi_Uchibeke_Sunil_Sharma_at_IDEA_971ab730e0.jpeg)](https://www.linkedin.com/feed/update/urn:li:activity:7082342164264878080?utm_source=share&utm_medium=member_desktop)
_Vinay Paramanand, City of Mississauga, Ontario, Sunil Sharma, Managing Director, Techstars Toronto with Uchi Uchibeke, CEO, Chimoney_

&nbsp;
## A Personal Note from Uchi

As I reflect on this significant milestone, I'm reminded of the African Proverb quote “If you want to go fast, go alone, if you want to go far, go together”. This journey, from conceptualizing Chimoney to now partnering with Techstars, has been filled with challenges and triumphs. But the consistent thread through it all has been the unwavering support from our users, our team, and believers in our vision. And we are constantly looking to collaborate and form strategic partnerships that align with our mission and propel us to new heights.

To our potential partners and clients, I invite you to experience the Chimoney difference. Let's redefine global payouts together.

And to our users, partners, and every individual who's been a cornerstone in our journey, a heartfelt thank you. The future of global payouts is here, and together, we're writing its story!

&nbsp;
## The Road Ahead

At Chimoney, we believe in a world without financial borders. With Techstars by our side, we're gearing up for rapid growth and innovation. We'll be diving deeper into research, refining our offerings, and expanding our reach. For our B2B clients, this means even more robust, reliable, and efficient global payout solutions. It's about ensuring that no matter where your team or clients are, Chimoney has got you covered.

We are also actively exploring strategic collaborations to accelerate our trajectory and make global payouts even more accessible.

&nbsp;
## Connect with Chimoney?

- Want to stay connected with all the updates and news from Chimoney?
- You can join the [Chimoney community](https://discord.gg/Q3peDrPG95) and subscribe to our [monthly newsletter](https://chimoney.substack.com/). 
- You can also connect with us on social via our [LinkedIn](https://www.linkedin.com/company/chimoney/) and [Twitter](https://twitter.com/home) pages.


Experience the future of payments - [Book a demo Now](https://chimoney.io/payouts?book_a_demo=1)!

---


Chimoney's partnership with Techstars marks a turning point in global payments, working towards economic empowerment for all. Discover how we're simplifying finance and fostering inclusion.

Techstars backs Chimoney to Revolutionize Global Payouts

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 **Summary:**  Gen Z HackFest 2023 is not just another tech event; it's where innovation and creativity flourish. Chimoney is thrilled to be part of this celebration of innovation, and we've got loads of exciting things in store for you. Join us for live giveaways, event exclusive T-shirts, hands-on experiences with Chimoney Payouts, insightful sessions, and the chance to win big in Chimoney’s hackathon track. Gen Z, let's make this event one to remember! 🚀🌟

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## 🚀 Announcing Chimoney's Partnership with Gen Z Techies! 🚀
Africa's tech revolution is on the rise, and Gen Z HackFest 2023 is at the forefront of this transformative journey. GenZ Techies, a dynamic community of Gen Z developers, founders, designers, and tech enthusiasts across Africa, have embarked on a mission to connect, educate, and unveil life-changing opportunities in the tech world. 
It is in this vein that Chimoney is proud to be a partner of Gen Z HackFest 2023, our commitment to bridging the gap between talent and opportunity in Africa to [unlock economic opportunity for everyone](https://chimoney.io/about-chimoney) aligns perfectly with the event's vision. We believe in the power of innovation and the potential it holds for Africa's tech community 💡💪

&nbsp;

## Follow Chimoney at the Event 🌟
At Gen Z HackFest, Chimoney is not just a sponsor; we are partners in innovation. Here's what you can expect:

### 🎉🎁Live Giveaways:
We'll be hosting live giveaways in-between event segments using Chimoney Payouts which would allow us to send bulk rewards to winners instantly, live on stage. Get ready to win exciting prizes and dive into the world of seamless gifting.

### 🏪Exclusive Merchandise at the Chimoney stand:
We're bringing cool custom Chimoney x Gen Z Techies T-shirts to the event. Visit our stand and grab your piece of this limited-edition swag.

![GenZ HackFest2.png](/uploads/Gen_Z_Hack_Fest2_efa848c1c3.png)

### ✨🎙️Engaging Speakers:
Look out for our speakers from Chimoney—Mide Efusanya, Adebayo Ilerioluwa, or Hammed Babatunde—who will share insights, expertise, and inspiration from their various fields, live on stage.


### 💼🚀Build with Chimoney API Track: Unleash Your Creativity:
As part of the event, we're hosting a "Build with Chimoney API" track at the hackathon. Encouraging participants to create innovative financial solutions and stand a chance to win fantastic prizes from Chimoney. Criteria for choosing winning solutions will include innovation, functionality, API usage, and UX.

&nbsp;

## More on the ‘Build With Chimoney’ Custom Track🌟
The "Build with Chimoney" track at the Gen Z HackFest offers participants the opportunity to create innovative financial solutions using the Chimoney API. This track focuses on seamlessly integrating various financial features such as bulk payouts, value redemption, gift cards, multi-currency support, and more to redefine financial interactions and enhance user experiences. 

Here are some key information about this track:

### Getting Started:
1.  To begin, participants need to sign up for their Chimoney API Key, a crucial step for accessing and utilising the Chimoney API.
2. Read the API Documentation to [get access to Sandbox](https://chimoney.readme.io/reference/sandbox-environment).
2. They can access the Chimoney Sandbox Portal via [this link](https://sandbox.chimoney.io/developers).
4. After logging in, participants should navigate to the Developer section, where they will find detailed instructions on generating their unique API key.

### API Documentation:
Participants are encouraged to familiarise themselves with the [Chimoney API documentation](https://chimoney.readme.io/reference/introduction), which is provided to help them understand and use the API effectively.

### Use Cases and Examples:
For inspiration and guidance, participants can explore projects previously built by the Chimoney community members. These examples can serve as references for creating their innovative financial solutions, view them [here](https://github.com/Chimoney/chimoney-community-projects).

### Technical Support:
For inspiration and guidance, participants can explore projects previously built by the Chimoney community members. These examples can serve as references for creating their innovative financial solutions, view them [here](https://github.com/Chimoney/chimoney-community-projects).
1.  In case of support issues, participants can reach out to community@chimoney.io for assistance.
2. Additionally, those looking for community support or collaboration can join the [Chimoney Discord community](https://discord.gg/Q3peDrPG95).

## Judging Criteria:
Projects developed within the "Build with Chimoney" track will be evaluated based on the following criteria:
1.  **Innovation:** Judges will assess how creative and original the solution is in addressing a financial problem or need. 🌟💡
2. **Functionality:** The functionality of the project will be examined to determine if it effectively addresses the identified problem or use case. 💼🛠️
3. **Use of Chimoney API:** Participants will be evaluated on how well they leverage the capabilities of the Chimoney API to enhance their project's functionality and features. 💻🔄
4. **User Experience:** The user-friendliness and intuitiveness of the project's interface will be considered to ensure a positive user experience. 🎮👩‍💻

&nbsp;

## Join the Tech Revolution🌟
Gen Z HackFest 2023 is more than just a conference and hackathon; it's an opportunity to change lives. With the hackathon designed for remote participation, anyone can contribute from anywhere with an internet connection. However, tech hubs across the country are also partnering with the organisers to provide essential resources like electricity and internet access. Chimoney and other partners and sponsors are not left out in this effort as we have donated to this cause as part of our partnership with this amazing event.

&nbsp;

## Swag and Teamwork👕
Attendees will receive swag from Gen Z HackFest 2023, and there will be exciting giveaways and prizes throughout the event. Whether you're a solo participant or looking to form a team of 2-4 people, this event has got you covered.🎁🙌

&nbsp;

## Conclusion
Gen Z HackFest 2023 is a celebration of innovation, opportunity, and community. Chimoney is thrilled to be part of this extraordinary journey, and we invite you to join us. Together, we'll shape the future of tech in Africa and make a lasting impact.

Chimoney is proud to partner with Gen Z HackFest 2023 ! Don't miss out on this chance to connect, learn, and discover life-changing opportunities. See you at Gen Z HackFest 2023!

&nbsp;

## Event Details:
**Date:** August 21st - 26th, 2023
**Conference Date:** August 26th, 2023
**Conference Venue:** [UNILAG Multi-Purpose Hall, Lagos, Nigeria](https://buff.ly/3soAuLN )

&nbsp;

## Here are some helpful links with regards to Gen Z HackFest 2023!
1. [Gen Z HackFest 2023 Official Website](https://hackfest.genztechies.com/)
2. [Register for the Hackathon](https://forms.gle/y5wRgVRFh1HabQrj7)
3. [Get Conference Tickets](https://eventprime.co/e/gen-z-hackfest-2023) (Use the discount code “HCK23-IN” for 50% off)
4. [Hackathon Slack Channel](https://bit.ly/3YELroG)


&nbsp;

## 🚀 Let's innovate, collaborate, and empower at Gen Z HackFest 2023! 🚀


Join Chimoney at Gen Z HackFest 2023! Snag our cool Chimoney x Gen Z HackFest T-shirts, participate in our giveaway sessions, and win some amazing prizes.

🚀 Announcing Chimoney's Partnership with Gen Z Techies! 

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**Summary:** _Unleash your football expertise in the exhilarating Chimoney FPL Champions League! Elevate your Fantasy Premier League passion to new heights and demonstrate your managerial brilliance. Win big with Chimoney Payouts, as top performers earn cash rewards via seamless email delivery. From weekly gameweek champions to overall season victors, the league combines football excitement with cutting-edge payments. Don't miss out—[register now](https://forms.gle/S2GAAagaFHz3HhWUA) and follow us on Twitter for updates. Join the Chimoney FPL Champions League and turn your football knowledge into real rewards!_

&nbsp;
&nbsp;

## Join the Chimoney FPL Champions League: Where Football and Rewards Collide.

Are you ready to step into the shoes of a football manager and lead your dream team to glory? 🤩 Brace yourselves, avid football fans and Fantasy Premier League aficionados, because Chimoney is about to take your passion for the beautiful game to a whole new level with the Chimoney FPL Champions League! 🚀

Picture this: the thrill of the English Premier League, combined with the excitement of fantasy football, all wrapped up in a league that puts your tactical brilliance and football knowledge to the ultimate test. ⚡ The Chimoney FPL Champions League is here, and it's your chance to showcase your managerial prowess on the grandest stage of fantasy football. 🌟

But wait, there's more! This league isn't just about claiming bragging rights; it's about showing off the incredible capabilities of [Chimoney Payouts](http://chimoney.io/payouts), our revolutionary payment solution. We're taking fantasy football rewards to the next level by seamlessly integrating [Chimoney Payouts](http://chimoney.io/payouts) into the prize distribution process. 💰💸

So, what's in store for you? Let's break it down:

### Overall Winner🏅:
The grand finale awaits, and the ultimate champion will not only walk away with the coveted Chimoney merch but also a handsome $200! 💼💵 That's right, your strategic brilliance could lead you to victory and a hefty payout, all thanks to [Chimoney Payouts](http://chimoney.io/payouts). 🎉

### Overall Runner-Up🥈:
Even if you narrowly miss out on the top spot, don't fret! The overall runner-up will still score big, pocketing a sweet $100 as a testament to their fantasy football acumen. 🥈💰

### 1st to 6th Place Managers Every Gameweek:
Think you've got what it takes to dominate each gameweek? The top six managers will each pocket a cool $5, all delivered straight to their emails via [Chimoney Payouts](http://chimoney.io/payouts). 📧 It's not just about the glory on the virtual pitch; it's about the real rewards that come with your fantasy football triumphs. 🏅
&nbsp;

But here's the kicker—these rewards aren't just promises. We're leveraging [Chimoney Payouts](http://chimoney.io/payouts)' bulk rewards capability to ensure that winners receive their well-deserved prizes hassle-free and lightning-fast. ⚡ Imagine the excitement of seeing your winnings arrive in your inbox, all powered by Chimoney's innovative payment solution. 💥

&nbsp;
&nbsp;
## How to Participate

Are you ready to be part of history? The Chimoney FPL Champions League isn't just a league; it's an experience that combines your passion for football with cutting-edge technology. Whether you're a die-hard football fan, a tactical genius, or simply eager to earn rewards, this league has something special in store for you. 🌐🏟️

Ready to kick off your journey? 

- **Register**: Register now and join the ranks of fantasy football elite in the Chimoney FPL Champions League: [Register Here](https://forms.gle/S2GAAagaFHz3HhWUA) 📝
- **Share**: Share your excitement on Twitter (X) and other social media using the [#ChimoneyFPLChampionsLeague](https://twitter.com/search?q=%23ChimoneyFPLChampionsLeague&src=typed_query) hashtag. We might even pick some winners on Social too!
- **Win and Cash out**: Prizes will be sent through Chimoney and you can redeem to your Prices to Gift Cards, Crypto, Mobile Money or to your Bank Account or Mobile Wallet.


Note that the [registration link](https://forms.gle/S2GAAagaFHz3HhWUA) will be temporarily closed at the beginning of each game week and reopened between gameweeks to allow more participants join the league and compete.

[![Social media post 2.png](/uploads/Social_media_post_2_2e0fcd1541.png)](https://forms.gle/S2GAAagaFHz3HhWUA)


Stay tuned for more news as we embark on a journey that fuses football fandom with the future of payments. The pitch is set, the teams are ready, and the stakes have never been higher. Get ready to unleash your fantasy football genius and make your mark in the Chimoney FPL Champions League! 🎩⚽🏆


Follow us on Twitter (X) to stay updated on the latest league announcements, updates, and exciting developments. 📢🤝


[#ChimoneyFPLChampionsLeague](https://twitter.com/search?q=%23ChimoneyFPLChampionsLeague&src=typed_query) ⚽🏆🔥


Join the Chimoney FPL Champions League: Where Football and Rewards Collide. Elevate your fantasy football game with the Chimoney FPL Champions League! Win cash rewards via Chimoney Payouts and showcase your football brilliance. Register now and follow us on Twitter for updates.

Unleash Your Fantasy Football Genius: Introducing the Chimoney FPL Champions League! ⚽🏆

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**Summary:**  _Scale your potential as a developer and shape the future of finance with the Chimoney Developer API Challenge. This exciting challenge invites creative minds to harness the power of Chimoney's Developer API and craft innovative solutions that address critical pain points in the global payments ecosystem. Embrace the theme of 'Building a Borderless Financial Future' as you enhance API integration, showcase versatile use cases, and engage with a vibrant community of developers. From payment security to seamless e-commerce integration, from tracking transactions to empowering gig economy workers – this challenge offers a platform to drive real change. Gain hands-on experience, earn rewards, receive recognition, and connect with fellow developers who share your passion for revolutionizing the fintech landscape. Join us in this transformative journey and make your mark in the world of finance. Stay tuned for the official announcement on August 9th and unlock the doors to innovation!_

&nbsp;
&nbsp;

## Unlocking Innovation: Chimoney Developer API Challenge

Are you a developer with a passion for revolutionizing the financial landscape? Do you dream of creating solutions that address critical pain points in the global payments ecosystem? If so, we have an exciting opportunity for you – the Chimoney Developer API Challenge!

## 🚀 Embrace the Challenge: Build a Borderless Financial Future 

At Chimoney, we're committed to unlocking economic opportunities for everyone. Our Developer API Challenge is a testament to this commitment, inviting developers like you to harness the power of technology and drive innovation in the world of finance.

### Theme: 'Building a Borderless Financial Future'
Our challenge theme is designed to encourage creative thinking and problem-solving. Imagine developing solutions that enhance payment security, track transactions, seamlessly integrate with e-commerce platforms, and facilitate efficient payouts for gig economy workers.


### _💡 Why Join the Challenge?_
- **Innovation**: Stretch your creative muscles and showcase your skills by crafting solutions that can reshape the financial industry.
- **Experience**: Gain hands-on experience with Chimoney's Developer API and discover its potential to drive change.
- **Recognition**: Receive recognition for your contribution to the fintech landscape through certificates and exposure.
- **Networking**: Connect with like-minded developers, mentors, and industry experts, creating opportunities for growth.
- **Prizes**: With every merged PR you’ll win a cash prize and an opportunity to be featured in Chimoney’s blog and social media publications. The top participants will get branded Chimoney swag.


### _📆 Challenge Timeline:_
- Announcement and Registration: **August 9th**
- Developer API Introduction Session: **August 9th**
- Challenge Duration: August 9th - **September 4th**
- Judging and Evaluation Period: 4th September - **18th September**
- Announcement of Winners: **20th September**


### _🎁 Rewards and Recognition:_
- Every merged PR will receive $20.
- Certificate of Participation -  All participants will receive a certificate recognizing their valuable contribution.
- Branded Swag Tshirt for 4 PRs merged
- Opportunity to be featured on Chimoney’s pages and publications.


### _📝 How to Join:_
- Use this link to register for the challenge [here](https://www.google.com/url?q=https://docs.google.com/forms/d/e/1FAIpQLSf8S7Hy8dkA1POCvXJ0y8D7P6D62ROngZgOTgn1_802XOaKGg/viewform&sa=D&source=docs&ust=1691426724879149&usg=AOvVaw2LuMHaUTu2Tgxt5cHh_HpZ) and follow [@chimoney_io ](https://twitter.com/chimoney_io)on Twitter for updates
- Join the introductory session on August 9th to get acquainted with Chimoney's Developer API and its capabilities. - - [Register here](https://www.google.com/url?q=https://docs.google.com/forms/d/e/1FAIpQLSf8S7Hy8dkA1POCvXJ0y8D7P6D62ROngZgOTgn1_802XOaKGg/viewform&sa=D&source=docs&ust=1691426724879149&usg=AOvVaw2LuMHaUTu2Tgxt5cHh_HpZ)
- Challenge Duration: Work on your innovative solutions from August 9th to September 4th.
- Get Access to Chimoney’s API and [Sandbox Credentials](https://chimoney.readme.io/reference/sandbox-environment)
- Submit your solutions via the [official Chimoney Developer API Challenge Repository](https://github.com/Chimoney/Chimoney-API-DevChallenge) in the [Submissions folder](https://github.com/Chimoney/Chimoney-API-DevChallenge/tree/main/submissions).
- Get recognized for your amazing work!

### _🏆  Example use cases to explore and Build_
Gig or Remote Workers Payment Platform
Develop a platform that enables gig workers, such as freelance coders, designers, and writers, to receive their earnings seamlessly from multiple global clients. This application would utilize Chimoney's Developer API to process bulk payouts to freelancers' preferred payment methods, including bank accounts, digital wallets, and mobile money.

#### Affiliate Payouts
Build solutions for On-click global Payouts for Affiliates and Influencers in any country. Enable Businesses to grow their sales and traction by signing up Influencers and Affiliates and paying them out.

#### Global Employee Travel Reimbursement
Build a travel expense reimbursement platform for businesses with a global workforce. Chimoney's Developer API would be utilized to process travel expense reimbursements for employees, ensuring hassle-free and timely payments.

#### Loyalty Points Conversion
Create a loyalty points conversion platform that allows users to redeem their accumulated loyalty points as airtime or gift cards. Chimoney's API would be integrated to ensure a smooth and efficient conversion process.

#### International Gifting Network
Build an app that enables users to send gift cards to their friends and family across borders. Chimoney's API would be used to facilitate cross-border gift card redemptions, ensuring that recipients can easily access their chosen gifts.

As you work on your amazing solutions join our Discord Channel for any assistance you might need from our team or community. 

🚀 Let's Shape the Future of Finance Together!





Join the Chimoney Developer API Challenge and revolutionize the financial landscape. Build global payouts solutions that address pain points in payments, integrate with e-commerce, and empower gig economy workers. Unlock rewards, recognition, and networking opportunities!

Unlocking Innovation: Chimoney Developer API Challenge

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This Article discusses: 
- **Why Banking the Unbanked Fails and why it is an Illusion of Financial Inclusion** and
- **How rethinking Financial Inclusion is the Path to True Economic Empowerment**

----

**Summary:**  In this article, we challenge the notion of financial inclusion and delve into the true essence of economic empowerment. While banking services and access to Financial services are crucial, we must go beyond and empower individuals to become drivers of local economies. Discover how Chimoney's mission to unlock economic opportunities for everyone aligns with this transformative journey, providing efficient global payouts for a more inclusive and empowering future where people can earn, get paid, and spend as they please. Join us in reshaping perspectives and fostering meaningful change.

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## Introduction
In today's world, there is a pressing need to address the challenges faced by the unbanked population, especially in emerging economies in some African and Asian Countries. Financial inclusion has been widely touted as the solution to uplift millions out of poverty. But let's face it - has it really lived up to its promise? In this thought-provoking article, we delve deep into the realities of financial inclusion and explore a bold new approach toward true economic empowerment. We introduce Chimoney, our global payouts platform and network of payment networks that transcend the boundaries of conventional banking services and established payment rails, and revolutionize the way individuals earn, get paid, and spend.

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## The Limited Impact of Banking Services and Fintechs
While financial inclusion has made remarkable strides in opening bank accounts or providing offline mobile wallets for the unbanked, the hard truth remains that mere access to banking services does not guarantee prosperity. Surprisingly, a significant percentage of bank account holders across Africa and other emerging economies in the world have balances of less than $1000. For example, according to [Afridigest](https://www.linkedin.com/posts/eajene_tech-africa-activity-7091374589917765632-MSNu?utm_source=share&utm_medium=member_desktop):

- 99% of bank accounts in Nigeria contain less than ₦500,000 (~$625).
- 97% of bank accounts in Kenya contain less than Sh100,000 (~$700).
- 93% of bank accounts in Uganda contain less than Sh1,000,000 (~$275).

Clearly, we must question whether we are making genuine progress in empowering the unbanked or simply providing a label that overlooks the root causes of financial insecurity, namely, limited access to global opportunities, unequal distribution of opportunities for creating value, and lack of option for getting paid for the value created.

[![Financial Inclusion 2.png](/uploads/Financial_Inclusion_2_9fba8690e7.png)](https://chimoney.io/payouts)

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## The Illusion of Financial Inclusion
Our pursuit of financial inclusion must confront a daunting reality - it often creates an illusion of success while neglecting the critical systemic issues that perpetuate economic inequality. Let's face it; opening a bank account or getting a crypto wallet does not magically resolve the struggles the unbanked face. The ability to transfer crypto or do p2p transfer does not enable users to spend on products and services that make a difference for them and their families. Access to banking is not access to food, clothing, and shelter: needs that are still unmet for over [719 million people — 9.2% of the world’s population — who are living on less than $2.15 a day](https://www.worldvision.org/sponsorship-news-stories/global-poverty-facts) globally. It's time to challenge the status quo and explore more effective alternatives to uplift those who need it the most.

[![Financial Inclusion 3.png](/uploads/Financial_Inclusion_3_0f94ef861d.png)](https://chimoney.io/blogs/on-building-a-network-of-payment-networks-at-chimoney)

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## Chimoney: Unlocking Economic Opportunities for Everyone
Introducing Chimoney - an audacious vision to redefine financial inclusion and drive genuine economic empowerment through unlocking Economic Opportunities for Everyone. At Chimoney, we believe in empowering individuals with more than just conventional banking services. Our Global Payouts Platform and Network of Payment networks, APIs, and SDKs open doors to an array of financial options that empower users to receive payment in a method that is locally relevant and impactful for them.

Chimoney gives users everywhere the power to pick from a buffet of cashout options and get paid exactly how they like to get paid. Chimoney's global payouts platform is designed to unlock the untapped potential of the unbanked.

At Chimoney, we believe in a world where access to financial services should be seamless and devoid of exorbitant fees that eat away at hard-earned money.

We envision a world where financial freedom and fair recognition of value is within reach for every individual, breaking the cycle of poverty one step at a time.


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## Beyond Banking: Empowering users with Financial Choice
It's time to embrace a holistic approach to financial empowerment. At Chimoney, we go beyond sending payments to traditional bank accounts. We enable users to receive payment to emails, phone numbers, social media accounts, and even directly to their offline wallets like MPESA in Kenya. We also empower and educate users to hold their funds in their preferred currency and connect them to the global commerce ecosystem where they can buy from Amazon and Shopify stores regardless of their location or situation. By empowering individuals to earn globally, spend without borders and transfer seamlessly, we create a ripple effect that uplifts entire communities.

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## A Catalyst for Economic Growth
True economic empowerment goes beyond individual gains; it is a catalyst for collective growth. As we empower individuals to take charge of their financial futures, they become drivers of local economies, contributing to job creation and sustainable development. Here's how Chimoney fits into this economic empowerment  framework:

1. **Enable People to Get Paid for Work Done:**
Chimoney's platform streamlines global bulk payouts, ensuring that freelancers, contractors, community members, and remote workers receive timely payments for their services, no matter where they are in the world. By facilitating quick and efficient cross-border transactions, individuals can focus on their work without worrying about delayed or complicated payment processes. This, in turn, contributes to a more inclusive global economy by empowering workers with fair and transparent compensation and giving them the power to decide how they want to cash out.

2. **Facilitate Stipend and Perk Payments to Global Communities:**
Chimoney's solution is not limited to individual payouts. It also supports organizations and businesses in distributing stipends, incentives, and perks to their global communities. Whether it's a remote team, a network of volunteers or ambassadors, or a community of content creators, Chimoney's platform enables seamless and secure mass payouts, fostering loyalty and engagement among community members. This financial support further amplifies the impact of these communities, driving economic growth within their respective countries and local communities.

3. **Empower Builders with API to Launch Fintech Startups:**
Chimoney's commitment to economic empowerment extends beyond its own platform. Through our robust API and SDKs, Chimoney empowers developers and fintech enthusiasts to create innovative financial solutions. By providing easy access to global payout capabilities, aspiring entrepreneurs can launch their fintech, education, HR, and commerce startups and contribute to enhancing financial inclusion. This democratization of financial technology fosters entrepreneurship, drives innovation, and nurtures a vibrant fintech landscape, positively impacting economies at both local and global levels.

4. **Support Communities and Programs like SheCodeAfrica and Ingressive4Good:**
Chimoney is dedicated to supporting initiatives that promote diversity, inclusion, and economic empowerment. By partnering with organizations like SheCodeAfrica and Ingressive4Good, Chimoney extends its services to enable seamless transactions for scholarships, grants, and financial support to underrepresented groups. Through these collaborations, Chimoney actively participates in creating opportunities and driving economic progress for communities that may otherwise face barriers to financial inclusion.

By aligning its mission with broader economic empowerment goals, Chimoney plays a vital role in transforming financial access and opportunities for individuals, communities, and businesses alike. As the world embraces a future of economic empowerment, Chimoney stands ready to be a driving force behind this positive change.


We believe that economic growth and prosperity should be accessible to all, irrespective of their current financial status and we're willing, ready and able to unlock economic opportunities for everyone.

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## Conclusion
The time has come to break free from the shackles of the illusion of financial inclusion. Let's unlock economic opportunities for everyone with open arms, paving the way for a brighter future for millions around the world. Chimoney's platform sets a new benchmark for financial empowerment, ushering in an era where economic independence is not just a dream but a tangible reality.


In this article, we challenge the notion of financial inclusion and delve into the true essence of economic empowerment. While banking services and access to Financial services are crucial, we must go beyond and empower individuals to become drivers of local economies. Discover how Chimoney's mission to unlock economic opportunities for everyone aligns with this transformative journey, providing efficient global payouts for a more inclusive and empowering future where people can earn, get paid, and spend as they please. Join us in reshaping perspectives and fostering meaningful change.

 Financial Inclusion is Dead. Welcome Economic Empowerment.

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**Summary**: _In this blog post, we delve into Chimoney's innovative approach to revolutionizing global bulk payouts. Explore our seamless solutions, learn about our remarkable growth journey, and join the exciting #knowchimoney challenge with trivia giveaways for a chance to win amazing prizes. Get ready to unlock economic opportunities and discover the world of Chimoney in this thrilling adventure._

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Welcome to the #KnowChimoney challenge, where we're bringing the excitement of trivia giveaways to the world of fintech! At Chimoney, we believe that learning can be fun, and we're on a mission to empower individuals with fair access to rewards and seamless payment solutions. So, let's dive into the world of Chimoney and explore the incredible products, values, and the amazing growth that make us stand out in the fintech space.

## What Drives Us at Chimoney
At Chimoney, we are driven by a powerful vision - to unlock economic opportunities for everyone. Founded by Uchi Uchibeke in 2021, our journey began with a real-life challenge during a hackathon when our founder experienced the complexities of making cross-border payouts. Since then, we've been dedicated to revolutionizing the world of payments and providing efficient financial solutions.

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## Chimoney [Payouts](https://chimoney.io/payouts) Streamlines Global Payments
[Chimoney Payouts](https://chimoney.io/payouts) allow for a new level of financial convenience. Gone are the days of enduring long and tiresome payout and payment redemption processes. With [Chimoney Payouts](https://chimoney.io/payouts), transactions become swift and efficient, enabling businesses to send payments globally in just minutes.

Chimoney helps companies keep their employees, contributors, collaborators, and communities satisfied with instant payouts and smooth transactions, regardless of their location. Chimoney's [Automated Global Payouts ](https://chimoney.io/payouts)ensures that every recipient can easily access their funds when needed, without delays. 


Whether a company needs to reward 1, 1000 or 10000+ recipients, Chimoney Payouts empowers them to send a gift with a variety of options. Recipients can redeem payments in multiple ways, from Bank deposits and Mobile money to Airtime and Global Gift Cards.

Chimoney Payouts goes above and beyond by providing businesses with the flexibility they crave. Companies can fund their accounts using various methods, including Cards, Bank wire, ACH, Crypto, and more, thereby facilitating payments across borders with ease.


In essence, Chimoney Payouts stands as an ideal solution for businesses seeking to deliver perfect gifting experiences, whether it's for Community, Creator, and Employee rewards or engaging global giveaways. Businesses can bid farewell to the hassle of managing bulk payouts and say hello to a seamless payment experience with Chimoney Payouts.


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## Plug and Play With Chimoney’s [Developer APIs](https://chimoney.io/developers-api)
Chimoney believes in simplifying the process of building fintech projects. That's why Chimoney offers developer-friendly APIs and SDKs that make integration as easy as ABC. With [Chimoney's Developer APIs](https://chimoney.io/developers-api), product builders can unlock utility and launch fast.

By connecting to Chimoney’s API, builders can gain seamless access to multiple payment networks, options, and countries without breaking the bank. Whatever type of Fintech product a builder needs to build, in one click, they can add a myriad of new options to their product and build easier and faster, Chimoney has done all the hard work. Chimoney believes that the product's success is Chimoney’s success, and Chimoney’s dedicated support team is ever ready to help builders get started. With Chimoney’s Developer APIs, fintech possibilities are limitless.


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## Chimoney’s Wallet as a Service (WaaS) reduces time to launch
Chimoney's [Wallet as a Service (WaaS)](https://chimoney.io/wallet-as-a-service) helps apps to issue multi-currency wallets with ease. Apps are able to empower their users with secure multi-currency wallets and enjoy advanced account management, all while providing personalized and compliant experiences. Chimoney's Wallet as a Service (WaaS) offers automated verification with built-in KYC processes, allowing builders to focus on scaling their operations while Chimoney handles the regulatory compliance. Chimoney's Wallet as a Service (WaaS) empowers Fintech Startups, Digital Banks, E-commerce Platforms, Marketplaces, Cross-Border Payment Service Providers, Payroll / Invoicing Applications and endless others explore the possibilities of unlocking economic opportunities for everyone.

Chimoney's Wallet as a Service (WaaS) streamlines the process of issuing multi-currency wallets for apps. It enables apps to provide their users with secure wallets, advanced account management, and personalized experiences. Chimoney's Wallet as a Service (WaaS), apps can automate verification through built-in KYC processes, allowing them to focus on scaling their operations while ensuring regulatory compliance.

Chimoney's [Wallet as a Service (WaaS)](https://chimoney.io/wallet-as-a-service) opens up a world of possibilities for various industries, including Fintech Startups, Digital Banks, E-commerce Platforms, Marketplaces, Cross-Border Payment Service Providers, Payroll/Invoicing Applications, and many others. By harnessing the power of Chimoney's Wallet as a Service (WaaS), these businesses can empower their users with seamless access to economic opportunities, unlocking financial potential for everyone.


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## Streamline Payments with [Payment Requests](https://chimoney.io/payment-requests)
Managing multiple payment requests can be overwhelming, but not with Chimoney’s Payment Requests. Chimoney Requests allows organizations to receive invoices and pay instantly with a unique shareable link for multiple invoices. Whether an organization expects to pay 10 or 10000+ people, with their Chimoney Payment Request Link, they can see all the requests and invoices in one dashboard, evaluate the validity of each request or group of requests and approve or decline payments in a single click, simplifying payments for community leads, HR professionals, finance heads, and more. Chimoney’s  Payment Requests is the perfect solution for handling borderless invoices and fund transfer requests and streamlining payment workflows. Helping to level up efficiency and unlock seamless payments.


## Join the #KnowChimoney Campaign - Fun and Learning Combined!
Now, you might wonder, what's the #KnowChimoney campaign all about? We believe that learning about Chimoney's values and products should be an exciting adventure. So, we're running trivia giveaways to test your knowledge about Chimoney. Participate, answer questions from this exciting blog, and get a chance to win amazing prizes! Share your #KnowChimoney journey on social media and be part of a community that's all about unlocking value for everyone, everywhere. Visit our [Twitter page](https://twitter.com/chimoney_io) to join in on the action! 

But, before you jump into the giveaways, let's talk about Chimoney's amazing growth! In a recent blog titled ["On Building a Network of Payment Networks at Chimoney"](https://chimoney.io/blogs/on-building-a-network-of-payment-networks-at-chimoney), we delve into our journey from birth to remarkable achievements. From overcoming real-life challenges faced during a hackathon in 2020 to solving the complexities of making cross-border payments, we've come a long way. In 2022, we processed millions of dollars in transactions, attracted prominent clients like Google, Stax, and Microsoft, and expanded our team with diverse talents from multiple continents. We forged key partnerships and launched innovative products like [Unispend](https://unispend.com/), transforming our business model and introducing phone number-based payouts. The results spoke for themselves - a phenomenal 4,500% increase in transaction value and a remarkable 600% growth in user accounts in the first four months of 2023!

Chimoney is disrupting the fintech industry with its cutting-edge payment Products. Explore our automated Global Payouts, Multi-currency Wallet as a Service (WaaS), and Developer-friendly APIs Products. Join the #knowchimoney challenge, participate in trivia giveaways, and uncover the future of seamless payments with us.

Solving the Multi-currency Global Payouts Challenge

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**Summary:**  We just launched a new Startup program, [Chimoney for Startups](https://chimoney.io/startups), providing emerging Startups with access to leading technology, resources, and mentorship. This program offers a range of benefits, including 6 months of free access to Chimoney's Global Bulk Payout service, and the ability to embed Unispend in your startup's web or mobile app. With access to Chimoney's API, startups can convert payments from multiple currencies and cash out to various payment options in 15 countries. Plus, Chimoney for Startups offers 24/7 customer support, partner perks, and discounts. Join [Akranex](https://akranex.com/), [Scrim](https://usescrim.app/), [Unispend](http://unispend.com/), and [Zeddpay](https://www.zeddpay.com/) in using Chimoney's API and take advantage of this exciting opportunity.

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As a startup, one of the biggest challenges can be building a payment infrastructure that is reliable, secure and cost-effective. That's where [Chimoney for Startups](https://chimoney.io/startups) comes in. Our program is designed to provide emerging startups with access to leading technology, resources, and mentorship to create high-performing, secure payment solutions worldwide.

 [Chimoney for Startups](https://chimoney.io/startups) is targeted at startups who have received less than $1,000,000 of external investment/funding or are founded within the last 3 years. We understand the challenges that startups face, and we are here to help you overcome them.
 
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### Focus on Business logic and let’s provide Wallets and accounting to you

Access to our API is also a key benefit of [Chimoney for Startups](https://chimoney.io/startups). Our [API](https://chimoney.readme.io/) allows you to convert payments from multiple currencies and to cash out to bank accounts, mobile money, 300+ gift cards and airtime in 15 countries. This means you can offer your customers a range of payment options, making it easier for them to do business with you.

In addition to our main API, we also offer access to a dedicated Account Manager. We know that startups work around the clock, and we want to be there for you whenever you need us.

Chimoney’s API can be integrated with your current product right now and we are excited to see many impactful usecase like:
1. Build a payment solution without reinventing the wheel or building Accounting system
2. Provide a Wallet to all your users fund: Transfer and Spend features enabled out of the box
3. Launch in 2 weeks, not 6 months
4. Focus on your business logic and on generating revenue and use a truly tested Accounting and Wallet system


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 ### Send bulk payouts globally for without a subscription fee

One of the key benefits of our program is access to our [Global Bulk Payout Product](https://chimoney.io/payouts), free for 6 months. This service allows startups to send payments to multiple recipients anywhere in the world, quickly and securely. You can focus on building your business, and we'll take care of the payments.

The opportunities of the Chimoney for Startups program for global bulk Payouts are endless. But these are some popular usecases:
1. Pay contractors and remote teams without paying for a different payroll system
2. Reward your startup community so they can promote your project
3. Grow revenue by sending personalized gifts to sales prospects
4. Run social media giveaways that are super engaging and personalized

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### Generate revenue while you build by embedding Unispend

Another benefit of our program is the ability to embed Unispend in your Web or Mobile App. [Unispend](http://unispend.com/) is an online marketplace with access to over 500 million+ Amazon and Shopify products. With Unispend, you can offer your customers a seamless shopping experience, without having to worry about payment processing.

Join us on this journey to unlock economic opportunities for everyone by exploring usecases to:

- Make your app more useful be embedding a whitelabled version of Unispend for free
- Earn revenue from transaction fees
- Increase the stickiness of your app by enabling a _Spend_ feature
- Add a single line of code with our low code option to bring 500milliob products and a marketplace to your app

We're proud to have helped startups like  [Akranex](https://akranex.com/), [Scrim](https://usescrim.app/), [Unispend](http://unispend.com/), and [Zeddpay](https://www.zeddpay.com/). If you're a startup looking for a reliable, secure and cost-effective payment solution, Chimoney for Startups is here to help.

Visit [chimoney.io/startups](https://chimoney.io/startups) to get started!

Chimoney for Startups offers emerging startups access to advanced payment solutions, including Chimoney’s API, Global Bulk Payout service, Unispend marketplace, and Chimoney API, to scale their business. With partner perks and 24/7 support, Chimoney empowers startups to thrive.

Introducing Chimoney for Startups to provide APIs & Payouts for early-stage Startups

Chimoney Ambassador Program: How ChiSquad 001 Paved the Way for ChiSquad 002

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[Chimoney Ambassadorship Program](https://rebrand.ly/pd0ocf3) is Chimoney’s exclusive community inviting global initiatives to empower individuals, tech influencers, and ChiMovers (Valuable Chimoney customers who move value around the world) to engage with the ones they care about with Chimoney smart payment infrastructure. 

## **What exactly is ChiSquad?**
You’ve probably heard of ChiSquad and would like to know about it. You come into the right place! We’ll walk you through all you need to know about ‘them’ and how you can become a ChiSquad. Sounds exciting right? Well, let’s dive right into it then!

![What is ChiSquad](/uploads/What_is_Chi_Squad_e9edee0711.png)

Chimoney ambassadors also known as ChiSquad members who closely and creatively collaborate with Chimoney team members (aka. ChiHeroes) to promote Chimoney activities and products and also create publicity/brand awareness in any form of their expertises, from a written article to a video. 

## **The Chimoney Ambassador program [Round 1]**
On the first of September 2022, we were excited to onboard the first group of Chimoney ambassadors (ChiSquad). 

![Chimoney ambassador ChiSquad 001](/uploads/Chimoney_ambassador_Chi_Squad_001_13a8d273cc.png)

Meet the first set of our ambassadors ([ChiSquad 001](https://twitter.com/chimoney_io/status/1565808735943270400?s=20&t=y4zGHier8nR8mi9TWjk64w)). Our aim with the first set of ambassadors was not only for them to execute the ambassadorship responsibility but also for us as Chimoney team to learn how to better serve a memorable experience to the  ambassadors and support their ideas while they were delivering their engagement and to sustain this community program. 

After three months of collaborating with ChiSquad 001, we did performance evaluations based on their engagements on social media  — creating and sharing posts related to Chimoney’s brand. We must say during this 3-month period, we enjoyed interacting with our ambassadors’ content created to amplify Chimoney’s brand awareness and participation, especially their contribution to [Chimoney’s first Hacktoberfest](https://chimoney.io/blogs/chimoney-x-hacktoberfest-2022-our-first-year-and-what-we-learned) in October 2022.

## **ChiSquad 001 Spotlight**

![Khadijah Amusat Chimoney ChiSquad 001](/uploads/Khadijah_Amusat_Chimoney_Chi_Squad_001_6f08c45fce.jpeg)
[*Khadijah Amusat: ChiSquad Round One Hero*]

Meet Khadijah Amusat, a software/blockchain engineer, open source contributor, and model!  She aspires to be the finest blockchain developer in the world and create one of the top initiatives that address a global problem. In her leisure time, she likes to go to the gym, play video games, swim, and write essays. She shared her excitement joining the progam [here](https://khadeeejah.hashnode.dev/my-chisquad-journey).

Khadijah bags our ChiSquad Spotlight for the program's first round due to her enthusiasm toward the Chimoney products and her willingness to get things done. Here’s the summary of our cool chat with her.

### **Did you have any goals when joining the ChiSquad program?**
Khadijah: Yes. In addition to getting more users and developers involved in the community, my goal was to have everyone talking about and using Chimoney. [Awww. Love this!]

### **Has the program helped you achieve the goals and how?**
Khadijah: Chimoney is a great community with great people that encourages growth. We weren't pressured to do anything we didn't have prior knowledge about as ChiHeroes really helped my creative side. — I was able to think and come up with different ideas which is one of the challenges I had and personally I liked it!

### **What is your greatest achievement as a ChiSquad member?**
Khadijah: In the past three months, initiating the Chimoney’s first Hacktoberfest program and personally educating other members of my communities about how to contribute to Chimoney have been some of my greatest accomplishments. It was rewarding to see other developers from other communities join Chimoney as a result of my posts or evangelism. 😇

### **What principle (motto) do you live by?**
Khadijah: Always show up and build in public no matter how you feel, you don't know who’s watching.

### **Tell our readers one fun fact about you**
Khadijah: I am a fashion/runway model in addition to being a great cook and occasional baker.

### **What advice would you give those interested in joining the ChiCommunity?**
Khadijah: What’s worth the effort is worth doing well; three months is enough to create an impact in a community, and you should join Chimoney because you want to achieve something amazing for yourself, Chimoney, and the entire tech ecosystem.

End!

## **What next??**
We’re so proud and consider ChiSquad 001 as a team success. Our community is growing, and more people know about what we believe in and what we do. We’re excited to announce the applications for the second round of the Chimoney Ambassadorship Program (ChiSquad 002). We’re calling for individuals, tech enthusiasts, students, developers, and ChiMovers around the world to join our force led by Chimoney’s mission: Unlock the economic opportunity for everyone. Just start small, from loving what we build, you can contribute as a Chimoney ambassadors in several ways. The best thing? You would be telling a story uniquely — they way you want. Chimoney is here to support you and your dream path. 

We're now accepting the application for Chimoney ambassdors to join the batch 2 (ChiSquad 002) [here](https://rebrand.ly/kpn61tj), now to Dec 12, 2022. We highly recommend you to follow our Twitter ([@chimoney_io](https://twitter.com/chimoney_io)) as it’s our “The Happening Community” to stay tuned for this opportunity. Our community is also open to all interested persons. Be part of the Chimoney community today. 
  
Hoping to have you join us!



Written by: The Community/DevRel Team









Want to get involved with the Chimoney Ambassador Program? Here's everything you need to know about the program and how to apply.

An Inside Look at The Chimoney Ambassador Program: How ChiSquad 001 Paved the Way for ChiSquad 002

Do you need to motivate your employees? Do you want to give them something extra for doing good work? Or maybe you just want to show appreciation for all the hard work they put in every day. Either way, there are many different ways to reward employees. This article will tell you how to choose the best method for your business.

### Set Employee Reward Goals.

Choose rewards that fit with your company culture. If your company has a strong sense of community, then consider giving out gift cards to local businesses so that your employees can support the community as they enjoy their reward. You might also consider giving away prizes such as Amazon gift cards, Apple products, or even cash.

What if your goal is to create a reward program that is inclusive, choice-based, and flexible regardless of the receiving employee's city, preference, or country? This might be a pain but not for long because you can use [Chimoney](http://chimoney.io/). Chimoney simplifies the bulk payout process to help companies to send value [flexible perks to their employees](https://www.chimoney.io/chipay) anywhere world. Team leads and HR can send to up to thousands of employees at once using just their email!

### Choose Employee Rewards Options

Make sure that your rewards options match your company culture. For example, if your company values customer service, give out gift cards to restaurants or coffee shops. If your company values creativity, give gift certificates to art galleries or music stores. And if your company is big on the environment, give [employees rewards](https://www.chimoney.io/chipay) that are environmentally friendly and provide them with the option to donate a portion of their reward to causes that advance the preservation of nature and the environment.

But what are some Choices for Employee rewards? Below are a few options:

- **Local Experiences:** They saying to "pay for experiences instead of things" could come in handy when picking employee rewards options for global teams. So, curate a list of Gift cards or experiences that employees will love!

- **Gift Cards:** Gift cards give employees options. And a Gift card like Amazon, Netflix, or Xbox is something that could be useful for most personas. But you don't want to fall into the trap of giving your employees gift cards they might not use. That is why Chimoney provides choice-based rewards for employees globally. With Chimoney, you can give your employees a reward or perk of value that they can then spend on their preferred Gift card. Chimoney offers 500+ options that they can pick from.
- **Merch and Swag:** Give them beautifully designed company merch or swag that they can be proud of. But be cautious not to overdo the branding!.

### Designate a Cash out time
Choose a date when employees will receive their rewards. You should also consider giving them a few days before so that they have enough time to redeem their rewards.  In some cases, you want to schedule your rewards to be delivered at a certain date. Or maybe you want to auto-send [birthday or work anniversary employee rewards](https://www.chimoney.io/chipay). In both cases, you have some preset data about employees which you upload or add to an Employee Management System. Ideally, this should connect to a platform like Chimoney to auto-send the Birthday Gifts with personalized messages.

If you'll like to learn more and improve employee engagement with an amazing [Employee Reward Program](https://www.chimoney.io/chipay), please reach out to us or book a demo with our Client Enablement team at [chimoney.io/book-a-demo](https://www.chimoney.io/book-a-demo)

A Choice reward program is a way to increase employee engagement. Read on to see how to create a choice reward program that motivates employees.


3 Steps to Creating an Amazing Employee Reward Program for Remote or Hybrid Teams

People Who Should Use Chimoney's Bulk Gift Cards Feature

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> Do you host events where you need to send virtual gifts or have friends and family overseas that you would like to surprise with swag? 
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Chimoney's bulk gift cards feature lets you send gift cards to up to a 1000 recipients in just a single click! All you need is their email. Learn more about the 5 types of people who should use Chimoney's bulk gift cards feature and start gifting today!

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## Friends
Let's begin with friends. Chimoney lets you send gift cards to friends anywhere and anytime! You don’t have to think and plan for a custom gift for each of your friends. All you need to do is send your friends Chimoney that can be redeemed for over 300 gift card options including Amazon, Netflix, Starbucks etc. as well as crypto value, cryptocurrencies, airtime, or phone bills payment. This way we can ensure your friends receive a gift card they love, and save you the hassle of picking a gift tailored to the liking of each member of your circle.

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## Event organizers
More event organizers are relying on Chimoney’s bulk gifting benefit as it allows them to send gifts to a large group of people in one step. All they need is the email of recipients of the gift cards. One of our partners, AfricaHacks was able to run a successful hackathon last year by using Chimoney. They were able to give airtime and virtual rewards to attendees and winners with a few simple clicks using the Chimoney platform. Remember that you can send Chimoney to up to a 1000 recipients with one click! Chimoney is a unique solution for event organizers all over the world to engage more with the attendees by ensuring the recipients get a gift they will love, no matter where they are.

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## Business owners
Instead of giving your own products as a gift, business owners can try to engage with customers around the world by gifting them the flexibility to pick an online gift card of their choice! This could be a great alternative for engaging with international tourists that would not have a chance to revisit your restaurant or even creating brand awareness to welcome leads in the near future. To send bulk gift cards, you just need a dedicated email list and you will be all set to send gifts in this manner. 

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If you are a professional in the media industry, you can send bulk gift cards to corporate, small and medium-sized enterprises, and business partners anywhere in the world without having to worry about shipping charges or delayed delivery!

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## Coaches
Have you signed up your students or cohort for a new coaching session, hackathon and other similar programs? Let’s boost engagement by sending an online gift like Chimoney that offers universal value! You could send them a unique gift card to motivate participation and excitement about class activities or other achievements. With Chimoney, you can be sure the gift card reaches the recipient’s inbox instantly, regardless of where they live. Sending bulk gift cards could never have been easier. The only thing you need is the recipient’s email to send Chimoney.

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‍## Employers
As an employer or a People Operations/ HR teammate, if you want to send bulk gift cards to all your employees in one click, Chimoney is your solution! Thinking about sending a gift card to your entire team and knowing that everyone will love the gift – no matter who they are, their interests, and where they live can be an ordeal! This Chimoney feature is one of a kind for sending bulk gift cards. Use Chimoney to stay connected with your employees as you celebrate key company milestones, holidays, or seasonal gifting. This is how we keep our internal Chimoney team happy - our squad has unique preferences: Sephora shoppers, Netflix watchers, crypto traders, etc. Chimoney makes sure ‘One Gift Fits All’!

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## Conclusion
Whichever type of gift card you want to send or receive, you can add value and reach a large group of people in a short amount of time with Chimoney. Sending bulk gift cards to up to a group of 1000 people in a single click while ensuring the recipients love what they get is what Chimoney is for. We ensure that no matter you are looking to send gifts to your personal circle, or as an event organizer, business owner or employer, sending Chimoney will help you engage more in less time.

Whichever type of gift card you want to send or receive, you can add value and reach a large group of people in a short amount of time with Chimoney. Sending bulk gift cards to up to a group of 1000 people in a single click while ensuring the recipients love what they get is what Chimoney is for. We ensure that no matter you are looking to send gifts to your personal circle, or as an event organizer, business owner or employer, sending Chimoney will help you engage more in less time.

5 Types of People Who Should Use Chimoney's Bulk Gift Cards Feature

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> Do you have a friend who can never settle on anything? Or do you have a loved one with practically everything and have no idea what to gift?
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Or are you confused about what to give away as event swag for an upcoming event? You are not alone. Struggling to find the perfect gift idea is always a dilemma. Gifts aren’t one-size-fits-all, which is why it is hard to give the perfect present! But, there’s one thing that all people want: flexibility.



Chimoney allows you to create flexible gift cards to make them feel as special as they are, on any occasion. 

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## Why is it hard to find the perfect present?
It can be confusing, frustrating, and boring to go to the mall every holiday season to find the right gift. It's even more annoying to plan ahead of time and not always easy to figure out what to give someone. You might not know what they like, their taste, preferences, or if they have any special needs. 



Flexible gifts make this process so much easier. No matter who you're shopping for, you can find something that they really want without breaking the bank!

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## What are flexible gifts?
Chimoney’s flexible gifting platform is a creative way to think about people's wants and needs. It’s the most exciting gift you can give – to anyone. Here, we’re talking about flexible, digital (online) gift cards that you can customize to match any occasion. You can give them to your co-workers, friends, family, customers, and event participants, so they can redeem and buy anything they want. Chimoney offers numerous gift options to redeem, including top gift cards for popular merchandise over the world, top cryptocurrencies, airtime, and mobile money or phone bill payment.

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## How do I use flexible gifts?
They can be gifts that your best friend wants, your boss wants, or your mom wants. Just add value to Chimoney and send it to the one you care for and it can be anything you want! You can give flexible gift cards to a skincare brand that she loves, or an online gift card to her favorite store to buy gadgets. 



There’s no limit to the things you can give! Ready to gift someone with your generosity? Sign up to give Chimoney a try and see the great gift idea! The receiver has a chance to redeem Chimoney to crypto, a popular online gift card, among others, Starbucks, Amazon, eBay, and Best Buy.



## Who can I send this to?
Are you waiting to receive crypto as a gift? You will get an email with the instructions as soon as the sender sends Chimoney to you. You will be directed to the Chimoney dashboard where you can exchange Chimoney for your preferred cryptocurrency, or choose from one of the other gifts of your choice. You can also opt to hold Chimoney on your account, until you are ready to redeem!

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## Why choose Chimoney as a crypto gifting platform
Think about it: don't you wish you could have more friends? Don't you wish to engage more with your students or event participants? Why not just give them something they can really enjoy, regardless of their preferences and hobbies? Receive Chimoney as a flexible gift from one special person. Or, give them as a gift or reward. Give Chimoney’s flexible gifts to a group of people, up to 1000 recipients at the same time, in just a single click.


Well, our flexible gift cards are perfect for your mobile rewards program, incentive program, employee benefits programs, and more. That’s why Chimoney was born – to make folks happy!

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#### Chimoney senders
For entrepreneurs, Chimoney is the ultimate online gifting service that lets you send amazing gifts to anyone, anywhere in the world. Whether you’re an event organizer or a business with a rewards program or virtual community engagement, Chimoney’s flexible gifting options make it easy to reward your customers effortlessly.

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#### Chimoney receivers
Isn’t it exciting to be notified that you were sent a gift? Receiving gifts is something we all love. There are so many activities to enjoy together such as a movie or a spa day. Giving them the flexibility to pick a gift of their choice is the best gift. 



Chimoney cares about your security and privacy. The sender only needs to provide the recipient’s email address. Once you’ve received Chimoney, you can redeem it right away for flexible gifts options or store value in your Chimoney wallet until you are ready.

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## Conclusion
When it comes to gifting, there are a lot of things that can be confusing. It's tough to know what to buy, how much to spend, and where to purchase gifts. Sending gifts or rewards to a remote team is equally challenging. Flexible gifting is the best way to show your appreciation without giving them something they don’t require. Best of all, flexible gifts are easily adaptable for any occasion. So whether it's a birthday, anniversary, holiday season, or competition, they'll find what fits.

Struggling to find the right gift idea? With these flexible gifting options, you can give a flexible gift that's uniquely tailored to your recipient and they will love it.

Flexible Gifting – The Best Gift Idea for Every Occasion

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An online or e-gift card has been a popular way of sending a present for years to someone you have no clue about their preferences. With Chimoney, a digital gifting platform, you can send a gift online in a matter of a few clicks and let someone choose their own present, from a gift card to crypto, and from airtime to phone bill payment. Voilà! This article will teach you everything you need to know about how to send gift card online with Chimoney and why Chimoney is loved globally, by both our senders and receivers, for any occasion.

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> _The best part about giving a gift is watching someone's face light up when they receive it. But sometimes, it can be tough knowing what to get. That's where an e-gift card can come in handy_.

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## What is Chimoney?
E-gift cards have traditionally been used in the online world as a way for giving discounts on purchases to promote local stores, as a reward for customer loyalty and as a way to reward employees or event attendees. With Chimoney, you can send them using our intuitive dashboard and they’ll be delivered to your loved ones or event participants instantly. But Chimoney is more than just a gift card platform. “Chimoney” is also a form of currency or wallet that can store digital value for as long as you need to (Chimoney never expires). Alternatively, Chimoney can be redeemed as a cryptocurrency of your choice.

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## What makes Chimoney different than other gift cards?
It’s easy to send gift cards online on Chimoney.io. We offer several benefits to make your life hassle-free. Chimoney can be an excellent last-minute gift idea since you can choose to send “ALL” gift cards, cryptocurrencies, airtime, and phone bill payment that are currently available on our platform. Just a few clicks and your gift in the form of Chimoney will be delivered immediately. The best part? You need only the email address of the recipient and you can send up to 1000s receivers in one go. This is loved by employers, event organizers, or anyone who is looking to send a bulk gift card. Don’t forget that the receivers are able to choose to keep Chimoney and redeem whenever they choose.
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## How to send gift card online on Chimoney platform?
It’s confusing to send gift cards online on a website that requires you to choose a specific gift card and enter several receiver details. However, with Chimoney, we understand that time is a valuable asset for everyone, and when it comes to gifting, it should be a pleasant experience. Here’re how to send gift card online wih Chimoney:

1. Create a Chimoney account or sign in with your Google
2. Select gift options, including gift cards from top brands around the world, cryptocurrencies, airtime, and phone bill payments for popular networks – (All by default!)
3. Input recipient’s email. Yes! Only email.
4. You can send up to 1000s recipients in one transaction. Finally, hit send.
And it’s done! 

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#### Chimoney is 100% secure. The fact that the senders ask for the only email instead of collecting additional information, such as address and phone number, will give both parties a peace of mind.

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## Conclusion
As a Chimoney user, you get to be an agent of change that will shape the next stage of giving. Chimoney’s online gift cards are a great way to send gifts online in a pinch. We have a wide selection of items that will suit everyone, no matter who they are and where they live. To make things even easier for you, you can now send an online gift card instantly by email! All you need is the recipient’s email address and the value is sent electronically in an instant. So what are you waiting for after discovering how to send gift card online with Chimoney? Get started today!

An online or e-gift card has been a popular way of sending a present for years to someone you have no clue about their preferences.

How to Send Gift Card Online With Chimoney: The Easiest Way to Have Your Online Gift Delivered Instantly

Payment Infrastructure for ambitious businesses. Send money or bulk payout to anywhere in the world. Instantly delivered gift cards, crypto, and airtime, with an easy-to-integrate API.

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