# SuperQi

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

Specifications:
- [Qi Card — official](https://www.qi.iq/)

## Overview

**SuperQi** is **Iraq's first super-app**, launched **July 2024** through a partnership between **Iraq's largest digital-financial-services provider (International Smart Card / Qi Card) + Ant International** <sup>[1][1], [2][2], [Iraq report](https://docs.barcoder.ai/docs/payments/IQ)</sup>. SuperQi was developed as **part of the digital revolution Iraq is leading in the Middle East**, providing **innovative, advanced + secure digital experience** that **fuses Western digital banking with Asian super-app practices**. Built on **Ant International's Alipay+ Wallet Tech** (the same white-label super-app infrastructure powering 30+ wallets globally), SuperQi delivers **payments, lending, savings, e-commerce, and government services** within a single Iraqi-localised app.

The structural significance: SuperQi is **Iraq's first true super-app** — a market dominated previously by Qi Card's card + government-payment infrastructure rather than full digital ecosystem. **Qi Card** is Iraq's largest financial-card issuer (used for **government salary disbursement, social-welfare payments, retiree pensions** across Iraq) — partnering with Ant International leverages Qi's distribution + Ant's super-app technology. The **Western digital banking + Asian super-app fusion model** reflects Iraq's middle-position between Western banking traditions + GCC-Asian super-app momentum. SuperQi joins **Alipay+ wallet ecosystem** enabling **outbound Iraqi user payments at international Alipay+ merchants** + **inbound international wallet acceptance at Iraqi merchants**.

## History

**Background — Iraqi payment landscape** <sup>[Iraq report](https://docs.barcoder.ai/docs/payments/IQ)</sup>:
- **Central Bank of Iraq (CBI)** — central bank.
- **International Smart Card (ISC) / Qi Card** — Iraq's largest financial-card issuer.
- Government uses Qi Card for **salary, welfare, pension disbursement**.
- Pre-SuperQi: card-payment + USSD-mobile-money fragmented landscape.

**Ant International × Qi Card partnership announcement** <sup>[1][1]</sup>:
- Joint super-app development.

**July 2024 — SuperQi launches** <sup>[2][2]</sup>:
- Iraq's first super-app.
- Built on Alipay+ Wallet Tech.
- Fuses Western digital banking with Asian super-app practices.

**Alipay+ ecosystem integration** <sup>[1][1]</sup>:
- Outbound Iraqi user acceptance at international Alipay+ merchants.
- Inbound international wallet acceptance at Iraqi SuperQi merchants.

## Technical specification

SuperQi is **Iraq's first super-app on Ant International's Alipay+ Wallet Tech** <sup>[1][1], [2][2]</sup>:

| Layer | Description |
|---|---|
| **Operator** | **Qi Card (International Smart Card)** |
| **Technology partner** | **Ant International** |
| **Platform** | **Alipay+ Wallet Tech** (white-label super-app) |
| **Launch** | **July 2024** |
| **Currency** | IQD (Iraqi dinar) |
| **Country** | Iraq |
| **Architecture** | Super-app (payments + lending + e-commerce + government services in one app) |
| **Network** | Alipay+ international interoperability |
| **Model** | Western digital banking + Asian super-app fusion |

**Alipay+ Wallet Tech** <sup>[1][1]</sup>:
- Ant International's white-label super-app platform.
- Powers 30+ wallets globally (TrueMoney TH, Touch'n Go MY, OCBC Digital SG, GCash PH, etc.).

## Use cases

**Digital payments + Qi Card heritage** <sup>[2][2]</sup>: Cardinal use.

**Government salary + welfare + pension via Qi distribution** <sup>[Iraq report](https://docs.barcoder.ai/docs/payments/IQ)</sup>: Underlying Qi heritage.

**E-commerce + lifestyle services** <sup>[1][1]</sup>: Super-app pattern.

**Alipay+ cross-border acceptance** <sup>[1][1]</sup>: Iraqi-users-abroad use case.

**Inbound international tourist acceptance** <sup>[1][1]</sup>: International Alipay+ wallet users in Iraq.

## Implementations & ecosystem

**Operator**: **Qi Card (International Smart Card)**.

**Technology partner**: **Ant International**.

**Platform**: **Alipay+ Wallet Tech**.

**Alipay+ ecosystem partners**: 30+ international wallets globally interoperable.

## Fun facts

- **Iraq's first super-app**: Market-first achievement.
- **July 2024 launch**: Recent in Iraqi payment-modernisation context.
- **Built on Alipay+ Wallet Tech**: Ant International's white-label super-app platform.
- **Qi Card heritage**: Built on Iraq's largest financial-card issuer (government salary/pension distribution).
- **Western digital banking + Asian super-app fusion**: Distinctive market positioning.
- **Alipay+ interoperability**: International acceptance both inbound + outbound.
- **30+ Alipay+ wallets globally**: Joins a substantial ecosystem.

## Comparison

| Feature | SuperQi (IQ) | TrueMoney (TH, on Alipay+) | GCash (PH, on Alipay+) | Touch'n Go (MY, on Alipay+) | Bakong KH |
|---|---|---|---|---|---|
| Operator | Qi Card + Ant Int'l | Ascend Money + Ant | Mynt + Ant | TNG Digital + Ant | NBC |
| Type | **Super-app** | Super-app | Super-app | Super-app | National payment-network |
| Launch | **Jul 2024** | 2003 | 2004 | 2017 | Oct 2020 |
| Tech base | Alipay+ Wallet Tech | Alipay+ Wallet Tech | Alipay+ Wallet Tech | Alipay+ Wallet Tech | Hyperledger Iroha |

## Status

**Active, growing** <sup>[1][1], [2][2]</sup>:
- **Qi Card + Ant International**.
- **Alipay+ Wallet Tech**.
- **Launched July 2024**.
- **Iraq's first super-app**.

## Sources

[1]: https://www.antinternational.com/news/insights/ant-international-and-iraqs-isc-strategic-partnership-paves-way-for-iraqs-first-super-app "Ant Int'l × ISC partnership — Ant International"
[2]: https://www.qi.iq/ "Qi Card — official"
[3]: https://www.zawya.com/en/business/fintech/iraqs-financial-future-led-by-qi-and-ant-international-w7vrx9wd "Iraq's financial future — Zawya"

- [1] [Ant Int'l × ISC partnership — Ant International][1]
- [2] [Qi Card — official][2]
- [3] [Iraq's financial future — Zawya][3]
- <sup>[Iraq report](https://docs.barcoder.ai/docs/payments/IQ)</sup> `reports/countries/IQ-iraq.md`

## Deployments

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

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