Built to operate with a licensed payment institution
Cash on delivery.
Without the cash.
Escrow infrastructure for cash-on-delivery commerce in Morocco.
Total in escrow
12,480 MAD
Order #2481
In escrowTrusted seller
Reliability score · 0–100
The problem
Cash on delivery still runs Moroccan e-commerce
0%
of Moroccan online buyers prefer to pay in cash
Company estimate
35%+
return-to-origin rate on cash-on-delivery orders
Company estimate
~15%
of orders are paid in advance — the rest is cash
Company estimate
95%+
of that cash moves through courier collection operations
Company estimate
Sources
Figures disclosed in company materials; detailed sources available on request.
The solution
Cash on delivery. Without the cash.
Kashi is an escrow layer built for cash-on-delivery commerce, designed to operate with a licensed payment institution.
01
Payment is held in escrow the moment the order is placed.
02
Funds release automatically the instant delivery is confirmed.
03
No cash at the door, no reconciliation, no waiting on a buyer's decision.
How it works
From payment to release, in four steps
Payment secured
3,200 MAD
Pay a Seller · My Purchases
1. Payment secured in escrow
The buyer places the order and the payment is secured in escrow. Active order shows “In escrow”.
In escrow
8,150 MAD
+ Create payment link
link/2481 · Shipped
link/2480 · Paid
Shipped · Paid
2. Funds held in escrow
The seller sees the “In Escrow” balance, creates a payment link and tracks statuses.
Order #2481
In escrowReleased on delivery
Paid → Shipped → Delivered
3. Order tracking
Both sides follow Paid → Shipped → Delivered, then funds show as Released.
Trusted seller
Reliability score · 0–100
New
Bild.
Reli.
Trust
0–100 score
4. Reliability scoring
Every delivery builds a 0–100 Reliability Score: New (0–39) · Building (40–59) · Reliable (60–79) · Trusted (80–100).
App previews shown are illustrative.
Market
A market still mostly outside the card system
30B MAD
Total Moroccan e-commerce market
19B MAD
63–83% of orders move outside the card system
Pilot
Validated through our pilot
TAM: Ministry of Industry and Trade, June 2026. SAM: National Telecommunications Regulatory Agency. Morocco's e-commerce mixes formal and informal sellers, with no reliable public data yet on seller counts or courier transaction volume.
Pricing
A flat commission on every secured transaction
Most popular
COD Brands
3%
Established brands running on cash-on-delivery & high-volume.
Join early accessFinal pricing confirmed at launch.
Distribution
We meet merchants where they already sell
E-commerce platforms
Embedded-payment integration directly inside checkout.
Offline / field sales
Direct outreach to Morocco's densest commerce hub.
~10,000
shops in Derb Omar, Casablanca
Courier partners
Delivery-partner integration, pilot-ready.
Integration targets — no endorsement implied
Positioning
Where Kashi sits
↑ Hold funds before release · ↓ Pays out, then reclaims if needed · ← Locked to one platform · → Open to sellers and buyers
Hold funds before release · Locked to one platform
Upwork · Airbnb · Fiverr
Hold funds before release · Open to sellers and buyers
Trustap-style escrow · Escrow.com
KashiPays out, then reclaims if needed · Locked to one platform
Jumia · Etsy · Taobao · eBay
Pays out, then reclaims if needed · Open to sellers and buyers
Tabby · PayPal · Tamara
Moat
Why is Kashi hard to copy?
01
First-mover in Morocco
02
Embedded e-commerce distribution
03
Embedded courier distribution
04
Reliability scoring engine — a compounding data asset
05
Proprietary commerce trust network
06
Regulatory and EDP relationship access
Roadmap
From build to scale
Months 1–3 · Build & license
Ship core infrastructure · Finalize payment-institution integration · Launch MVP as a PWA.
Months 4–9 · Pilot project
Onboard merchants · Go live across couriers, field sales, and platforms · Establish adoption, volume, and AOV benchmarks.
Months 10–18 · Scale
Expand on the best-performing channels · Grow courier partnerships · Expand to a new market.
Team
Built by operators
Youssef Rkaissi — Co-CTO
Founder & CEO of Rkicy Technology · Ex-Paycov, a Moroccan digital-payment company · 5+ years in enterprise technology & AI
Nadir Mohssine — Co-CEO
Startup operator, 3+ years, and strategist · Ecosystem & relationship builder · B2B sales & strategic partnerships
Be among the first stores on Kashi.
Join the early-access list. We will reach out when onboarding opens.
FAQ
Questions, answered
Payment is held in escrow when the order is placed and released automatically when delivery is confirmed. No cash at the door.