# Mopé

> Source: https://docs.barcoder.ai/docs/standards/mop
> research date 2026-05-29 · extracted at 2026-10-06
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Mopé — official](https://mope.sr/)
- [Mopé — Hakrinbank](https://www.hakrinbank.com/en/all-about-mope/)

## Overview

**Mopé** is **Suriname's bank-led mobile wallet + QR-payment platform**, launched by **Hakrinbank** — one of Suriname's major commercial banks <sup>[1][1], [2][2], [Suriname report](https://docs.barcoder.ai/docs/payments/SR)</sup>. Mopé enables users to **make and receive payments by scanning a QR code or by sharing a payment request** — providing **all residents of Suriname direct access to the digital financial system, including the (many) residents without bank accounts**. Users can **create a payment request which can be displayed as a QR code that can be scanned by another Mopé user** — or **enter a mobile number to send**.

The structural significance: Mopé is **Suriname's most-developed bank-led mobile wallet** — addressing **substantial unbanked Surinamese population**. **Multi-currency support (SRD + USD + EUR)** is structurally distinctive — reflecting Suriname's currency environment with **Surinamese dollar (SRD) + USD + Euro circulation**. **Multiple funding channels**: internet banking, Automatic Transfer Order (AGO), mobile banking at all banks, all Hakrinbank ATMs — comprehensive cash-in/funding infrastructure. **Mopé Wholesale** app provides **business-side QR payment-request creation + collection** for organisations. Mopé competes with **DSB Mobile Banking** + other Surinamese bank-channel apps. Suriname's payment landscape is **multi-bank**: Hakrinbank (Mopé), DSB (De Surinaamsche Bank), Republic Bank Suriname, others.

## History

**Background — Surinamese payment landscape** <sup>[Suriname report](https://docs.barcoder.ai/docs/payments/SR)</sup>:
- **Centrale Bank van Suriname (CBvS)** — central bank.
- **Hakrinbank** — major Surinamese commercial bank, Mopé operator.
- **DSB (De Surinaamsche Bank NV)** — competing major SR bank.
- **Republic Bank Suriname** — additional player.
- Multi-currency context: SRD, USD, EUR.

**Mopé launch by Hakrinbank** <sup>[2][2]</sup>:
- Bank-led mobile wallet for Surinamese unbanked population.

**Mopé Wholesale app for businesses** [[wholesale]]:
- B2B + organisation use case.

**Multi-currency support (SRD + USD + EUR)** <sup>[3][3]</sup>:
- Distinctive multi-currency design.

**Funding channels: internet banking + AGO + mobile banking at all banks + Hakrinbank ATMs** <sup>[2][2]</sup>:
- Comprehensive cash-in infrastructure.

## Technical specification

Mopé is **Hakrinbank-operated Surinamese bank-led mobile wallet + QR-payment platform** <sup>[1][1], [2][2]</sup>:

| Layer | Description |
|---|---|
| **Operator** | **Hakrinbank** (Surinamese commercial bank) |
| **Country** | Suriname |
| **Currencies** | **SRD + USD + EUR** (multi-currency) |
| **Channels** | Mopé app (iOS + Android), Mopé Wholesale app for business |
| **QR generation** | User-created payment requests displayed as QR codes |
| **Identifier** | QR code or mobile number |
| **Funding channels** | Internet banking, Automatic Transfer Order (AGO), mobile banking at all banks, Hakrinbank ATMs |
| **Distinctive** | All-Surinamese-residents access including unbanked |
| **Regulator** | **Centrale Bank van Suriname (CBvS)** |

## Use cases

**P2P transfers** <sup>[1][1]</sup>: Cardinal — QR or mobile-number addressing.

**Unbanked Surinamese residents access** <sup>[1][1]</sup>: Financial-inclusion.

**Merchant QR-payments** <sup>[2][2]</sup>: Scan-to-pay.

**Business B2B + organisation use (Mopé Wholesale)** [[wholesale]]: Distinctive B2B layer.

**Multi-currency operations (SRD + USD + EUR)** <sup>[3][3]</sup>: Surinamese currency environment.

**Multi-channel cash-in** <sup>[2][2]</sup>: Internet banking, AGO, mobile banking, ATMs.

## Implementations & ecosystem

**Operator**: **Hakrinbank** (Surinamese commercial bank).

**Regulator**: **Centrale Bank van Suriname (CBvS)**.

**Major SR competitors**: **DSB Mobile Banking, Republic Bank Suriname channels**.

**B2B extension**: **Mopé Wholesale** app.

## Fun facts

- **Multi-currency (SRD + USD + EUR)**: Surinamese multi-currency context.
- **All-Surinamese-residents access including unbanked**: Financial-inclusion focus.
- **Mopé Wholesale B2B app**: Distinctive business-layer.
- **Multi-channel cash-in via internet banking + AGO + mobile banking + ATMs**: Comprehensive funding.
- **Bank-led model**: Hakrinbank vs MNO-led African mobile-money peers.
- **Suriname Dutch-speaking + Caribbean-South-American context**: Cultural distinctiveness.
- **Population ~600K**: Small-market context.

## Comparison

| Feature | Mopé (SR) | [MMG](https://docs.barcoder.ai/docs/standards/mmg) (GY) | [PayWise QR](https://docs.barcoder.ai/docs/standards/paywise-qr) (TT) | [CaribPay](https://docs.barcoder.ai/docs/standards/caribpay) (Caribbean) | DSB Mobile Banking (SR — competitor) |
|---|---|---|---|---|---|
| Operator | **Hakrinbank** | MMG Inc. (GTT subsidiary) | PayWise Limited | CaribPay | DSB |
| Type | **Bank-led mobile wallet + QR + Mopé Wholesale** | Telco-led mobile wallet | TT multi-channel fintech | Caribbean Scan & Pay | Bank mobile banking |
| Country | Suriname | Guyana | Trinidad and Tobago | Caribbean | Suriname |
| Currencies | **SRD + USD + EUR** | GYD | TTD | Multiple | SRD |
| Business layer | **Mopé Wholesale** | n/a | n/a | n/a | Bank channel |

## Status

**Active** <sup>[1][1], [2][2]</sup>:
- **Hakrinbank operator**.
- **Mopé app + Mopé Wholesale (business)**.
- **Multi-currency SRD + USD + EUR**.
- **Multi-channel cash-in**.
- **Financial-inclusion design for unbanked Surinamese**.

## Sources

[1]: https://mope.sr/faq "Mopé FAQ — official"
[2]: https://www.hakrinbank.com/en/all-about-mope/ "All about Mopé — Hakrinbank"
[3]: https://spark.mwm.ai/en/apps/id/1481055917 "Mopé — Spark MWM"
[wholesale]: https://play.google.com/store/apps/details?id=sr.mope.wholesale "Mopé Wholesale — Google Play"
[move]: https://www.moveagency.com/en/cases/mope "Mopé app — Move agency"

- [1] [Mopé FAQ — official][1]
- [2] [All about Mopé — Hakrinbank][2]
- [3] [Mopé — Spark MWM][3]
- [wholesale] [Mopé Wholesale — Google Play][wholesale]
- <sup>[Suriname report](https://docs.barcoder.ai/docs/payments/SR)</sup> `reports/countries/SR-suriname.md`

## Deployments

Found in the following country reports (grep across `reports/countries/`):

- **SR** — [SR-suriname.md](https://docs.barcoder.ai/docs/payments/SR)