FinTech & Digital Solutions—
Build for everyone, anywhere.

Four digital platforms — T4G Pay, CrediSmart, HRCore and KunduMart. One ecosystem, built for Papua New Guinea, the Pacific and beyond.

T4G Pay CrediSmart KunduMart HRCore
Create Free Wallet → Explore Products
Our Products

Four platforms. One connected ecosystem.

Each product is purpose-built for a specific need — and all four are connected through a single, secure payment rail.

Digital Payments
T4G Pay

PNG's digital wallet. Send money, receive payments via QR code, load and spend on your T4G Wallet and cash out through our nationwide agent network.

  • Instant QR & mobile payments
  • T4G Onchain Wallet
  • Sales & Cash-out Agent network
  • Merchant point-of-sale
  • USDC / Stablecoin deposits
  • Earn & rewards programme
Open T4G Pay →
app.howarigtrade.com
Finance & Recovery
CrediSmart

Smart financial tools for institutions, cooperatives and businesses. Manage lending, Society group savings and run payroll with salaries disbursement.

  • Loan portfolio management
  • Society group savings
  • Lending operations
  • HRCore payroll & staff management
  • Salary-to-wallet disbursement
  • Debt recovery & reporting
Open CrediSmart →
finance.howarigtrade.com
E-Commerce
KunduMart

PNG's online marketplace — buy and sell products from local businesses nationwide. Buyers pay from their T4G wallet; sellers receive funds instantly to their merchant account.

  • Local & regional marketplace
  • T4G Pay checkout integration
  • Instant seller payouts
  • Business merchant accounts
  • Product listing & management
  • Order tracking & fulfilment
Visit KunduMart →
market.howarigtrade.com
HR & Payroll
HRCore

End-to-end HR and payroll management for PNG businesses and corporates. Manage staff records, process payroll and disburse salaries directly to employees' T4G Pay wallets.

  • Employee records & profiles
  • Payroll processing & calculations
  • Salary-to-T4G-wallet disbursement
  • Leave & attendance management
  • Tax & compliance reporting
  • Multi-department & branch support
Open HRCore →
hrcore.howarigtrade.com

Integrated financial infrastructure

Connects banking system, enabling real-time payment processing, card loading, QR Payments, Sales Management and merchant settlements.

Ready to get started?

Create your free T4G Pay wallet and unlock the unified ecosystem today.

Create Free Wallet Register as Merchant