Innovation portfolio | TOS & Partners

Documents and identity

Digital Document Certification

Takes the certification of important documents online, replacing queues and paper stamps with a secure digital process. One of our most widely shared innovations, it drew strong public reaction across every major platform.

What it proves for your projectSecure document handling, verification workflows and identity checks, ready for any organisation that still runs on paper.

Payments

Disposable NFC Card

A disposable contactless card designed for controlled, low-risk spending that limits exposure when a card is lost or compromised. It generated the same wave of public interest online.

What it proves for your projectContactless payments, card and token logic, and integration between physical hardware and secure software.

Payments

Airtime, Cash & Interbank Transfers

Converts airtime to cash and cash to airtime, and lets users move cash-send funds to accounts at other South African banks. It tackles a real gap in interbank interoperability for people who depend on cash-send and prepaid airtime.

What it proves for your projectBank and telecom integration, real-time settlement and interoperability across institutions that were never designed to talk to each other.

Latest project · See it working

Forma: one workspace for student writing, spreadsheets and assignments.

A complete productivity suite we designed and built for South African learners and students. It covers essays, budgets, mark trackers and assignment briefs, and saves work on the student’s own device.

Product walkthrough (1 min 25 s, no sound): the workspace, a student budget in Forma Sheets, an assignment in Forma Write and assignments synced from school.

Forma Sheets showing a monthly student budget in rand, with a SUM formula totalling R6,450 in the side panel — **Forma Sheets**A spreadsheet engine built from scratch, with formulas, quick functions, multiple sheets and rand formatting.

A bar chart of planned spend created from the student budget in Forma Sheets — **Charts in one click**Students turn a range of numbers into a chart without leaving the sheet.

Forma Write editing an assignment, with Harvard referencing, a submission checklist and a word-count target — **Forma Write**A document editor with referencing styles, a submission checklist, word-count targets and a document outline.

What it proves for your projectComplex browser software built end to end: a document editor, a spreadsheet engine, offline storage on the device, and a design ready to connect to school learning systems.

20-second product film with voiceover and captions.

Latest project · See it working

Folio: documents, simplified.

A document workspace we designed and built in-house. Folio converts files to and from PDF, cleans up scanned pages, makes scanned text searchable and sends finished files to verified email addresses.

Folio scan preview comparing a grey original invoice scan with the cleaned-up white version — **Scan cleanup**A before-and-after preview of contrast and sharpness improvements. The original file is never overwritten.

Folio after converting a Word document to PDF, showing the file ready to download or send by email — **Convert to PDF**A Word document converted to PDF in 0.2 seconds, ready to download or email.

Folio Enhance scans settings with scan cleanup and text recognition switched on — **Searchable scans**Text recognition turns scanned pages into searchable PDF, Word or text files.

What it proves for your projectDocument processing across more than 15 file formats, image cleanup, text recognition (OCR) and secure delivery to verified recipients only.

More from the portfolio

Consumer fintech

Bill Splitting Platform

Split shared costs such as rent, dinners and group trips, and settle them without awkward follow-ups.

Proves Multi-party payments and reconciliation

Retail and data

Grocery Price Comparison

Compares grocery prices across retailers so households can stretch every rand further.

Proves Data aggregation and price analytics

Civic technology

Political Pacer

Keeps citizens up to date on government progress and the work being delivered, building transparency and accountability.

Proves Public information platforms and citizen engagement

Identity Prototype

Digital ID & Wallet

Lets users store important government documents on their phone, protected and available whenever they need them.

Proves Encrypted storage and digital identity

Capability map

How our own products translate into the capabilities you are buying.

	Payments	Documents & identity	Data & analytics	Security	Public sector
Digital Document Certification
Disposable NFC Card
Airtime, Cash & Interbank
Forma
Folio
Bill Splitting Platform
Grocery Price Comparison
Political Pacer
Digital ID & Wallet

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