Heading to the stunning shores of South Africa? Now you can leave your wallet at home and still enjoy ice cream, cold drinks, and that beachside lunch—all with a simple tap! 🙌
Introducing the waterproof contactless payment ring from Money Carer. 💍✨
✔️ Secure – No need to carry cash or cards
✔️ Convenient – Just tap to pay anywhere contactless is accepted
✔️ Waterproof – Swim, surf, or shower without taking it off
✔️ Stylish & Subtle – Looks good, feels good, works like magic
Whether you’re lounging in Camps Bay or catching waves in Muizenberg, your spending is sorted—no pockets required.
👉 Perfect for carers, supported individuals, or anyone who wants more freedom and less hassle while having fun in the sun.
#MoneyCarer #ContactlessRing #BeachLife #SouthAfricaBeaches #WaterproofWearable #SecureSpending #TapAndGo #BeachDayReady
How Wearables Empower Financial Inclusion
In South Africa, many individuals face barriers to accessing formal banking services due to factors like limited documentation, mobility challenges, or lack of digital literacy. Wearable payment devices address these issues by providing easier payment mechanisms and greater security.
- Ease of Use: A simple tap of a ring or bracelet on a payment terminal enables transactions, removing the complexities associated with handling cash or cards.
- Enhanced Security: These devices are waterproof, tamper-resistant, and do not require batteries, reducing the risk of theft or loss.
- Discreet Transactions: Their subtle design allows users to make payments without drawing attention, which is particularly beneficial for individuals who may feel vulnerable carrying cash.
By integrating these technologies, individuals can participate more fully in the digital economy, gaining greater control over their finances and reducing reliance on cash-based systems.
Money Carer’s Initiative in South Africa
Money Carer, a UK-based social enterprise, has extended its commitment to financial inclusion by launching a range of NFC-enabled wearable payment devices in South Africa. These include rings, bracelets, and keyrings designed to cater to the needs of individuals with disabilities and vulnerabilities.
The organisation’s RingPay platform offers a variety of wearable options that are compatible with major banks and payment systems, providing users with secure and accessible financial tools.
Recognition for Advancing Financial Inclusion
Money Carer’s innovative approach has garnered significant accolades:
- 2025 Financial Inclusion Award: Awarded at the Card and Payments Awards for their efforts in promoting accessible financial solutions.
- Fintech Fringe Innovation Challenge Winner: Recognized at the Pay360 European convention for their biometric fingerprint-activated payment card.
Looking Ahead
Money Carer’s expansion into South Africa signifies a meaningful step toward inclusive financial services. By leveraging wearable technology, they are enabling individuals—particularly those in underserved communities—to engage with the financial system securely and with dignity.
Money Carer is Using Contactless Wearables to Drive Financial Inclusion and Greater Security in South Africa
Money Carer, a pioneering fintech organisation, is set to transform the landscape of financial inclusion in South Africa by introducing an innovative range of affordable, secure, and convenient payment rings and other wearables. Driven by a deep passion for empowering individuals through accessible financial solutions, Money Carer’s latest initiative seeks to bridge the gap for millions of South Africans underserved by traditional banking methods.
At the forefront of this revolutionary approach are contactless payment rings, bracelets, and other wearable devices, meticulously designed to meet the diverse needs of consumers across all demographics. By bringing these low-cost wearables to market alongside their existing standard product lines, Money Carer ensures that affordability does not compromise quality or security.
This significant stride towards inclusive finance was recently recognised internationally when Money Carer proudly received the prestigious Financial Inclusion Award at the 2025 Cards and Payments Awards. The accolade underscores the organisation’s unwavering commitment and impactful contributions to expanding financial accessibility in South Africa.
“We believe everyone deserves the dignity and convenience that comes with having reliable access to financial services,” said a Money Carer spokesperson. “Our goal with these affordable wearables is to empower South Africans with secure, simple, and accessible payment solutions, irrespective of their economic background.”
By equipping South Africans with cost-effective wearable technology, Money Carer is not only enhancing financial security but also greatly simplifying daily transactions, helping to integrate more individuals into the digital economy. These innovative products promise greater convenience, quicker transactions, and reduced reliance on cash, which contributes significantly to improved financial safety and personal empowerment.
Through relentless innovation and a clear vision of financial inclusion, Money Carer continues to lead the way in delivering equitable financial solutions, proving that technology can truly make financial empowerment achievable for all.
What is Tokenisation?
What is Tokenisation?
Tokenisation has revolutionized the way we make contactless payments, especially through wearable devices like smart rings, bracelets, and watches. By replacing sensitive card data with secure digital tokens, this technology enhances both convenience and security. Fidesmo Pay stands out as a leading platform in this space, offering seamless integration of tokenized payments into everyday accessories.
🔐 What Is Tokenisation in Wearable Payments?
Tokenization is a security process that substitutes your actual card number with a unique digital identifier, or “token.” This token is stored on your wearable device and is used during transactions, ensuring that your real card details are never exposed. Even if intercepted, the token is useless outside its intended context, significantly reducing the risk of fraud.
In the realm of wearable payments, tokenization allows devices equipped with Near Field Communication (NFC) technology to facilitate secure transactions. When you tap your wearable at a contactless terminal, the token communicates with the payment network to authorize the transaction without revealing your actual card information.
🛡️ How Fidesmo Pay Enhances Security
Fidesmo Pay leverages tokenization to transform fashion accessories into secure payment tools. By integrating with major tokenization platforms like Mastercard’s MDES and Visa’s VTS, Fidesmo ensures that each token is uniquely tied to both your payment card and the specific wearable device. This means that even if someone were to extract the token from your device, it couldn’t be used elsewhere. Moreover, Fidesmo Pay does not store your actual card number on the wearable, adding an extra layer of security.
⌚ How It Works with Wearables
Fidesmo collaborates with various fashion brands to embed NFC chips into accessories like rings, bracelets, and watches. To set up, you select a compatible wearable, connect your payment card through the Fidesmo Pay platform, and activate the device using a provided QR code. Once activated, you can make contactless payments by simply tapping your wearable at any terminal that accepts contactless payments.
🌍 Availability in South Africa
Fidesmo Pay has expanded its services to several countries, including South Africa where wearable suppliers such as RingPay.co.za have launched payment rings and bracelets.
This means that residents can enjoy the convenience and security of making payments through their favourite wearable accessories at any contactless-enabled terminal.
Ring Pay Technology Explained
The Future of Payments is Here
Imagine making a payment with just a tap of your finger—no phone, no wallet, just a sleek ring on your hand. This isn’t science fiction; it’s the reality of NFC-enabled payment rings, a fusion of cutting-edge microelectronics and secure payment technology. At the heart of this innovation lies the collaboration between Infineon Technologies and Fidesmo Pay.
🔍 What Is a Payment Ring?
A payment ring is a wearable device embedded with Near Field Communication (NFC) technology, allowing users to make contactless payments by simply tapping their ring against a payment terminal. These rings are battery-free, waterproof, and designed for convenience, enabling transactions without the need for cards or smartphones.
🧠 The Technology Inside: Infineon’s Role
Infineon Technologies, a leader in semiconductor solutions, provides the secure elements that power these payment rings. Their SECORA™ Pay W chip is a compact, energy-efficient solution that enables secure, contactless transactions. This chip is designed to operate without a battery, drawing power from the NFC field generated by payment terminals.
The chip’s design ensures quick transaction times—often completing payments in under 400 milliseconds—while maintaining high security standards. Its integration into a ceramic ring housing showcases the blend of durability and technology.
🤝 The Fidesmo Pay Integration
Fidesmo Pay is a platform that enables secure tokenization of payment cards onto wearables like rings, bracelets, and watches. When a user connects their payment card to a Fidesmo-enabled wearable, the system creates a token—a reference to the card—that’s stored on the device. This means the actual card details are never exposed during transactions, enhancing security.
The collaboration between Infineon and Fidesmo ensures that the secure elements provided by Infineon are fully compatible with Fidesmo’s tokenization process. This synergy allows for a seamless user experience, from setting up the payment method to making transactions.
🔐 Security and User Experience
Security is paramount in payment technologies. The combination of Infineon’s secure chips and Fidesmo’s tokenization means that even if a ring is lost or stolen, the risk of unauthorized transactions is minimized. Users can easily manage their devices through Fidesmo’s platform, including pausing or removing payment capabilities as need.
🌍 Global Adoption and Future Prospects
The adoption of payment rings is growing worldwide, with various brands offering compatible wearables. The convenience of making payments without carrying a wallet or phone is appealing, especially in scenarios like exercising or traveling. As technology advances, we can expect even more integration of secure, contactless payment methods into everyday accessories.
Conclusion
The partnership between Infineon Technologies and Fidesmo Pay exemplifies the innovative strides in wearable payment solutions. By combining secure, efficient hardware with robust tokenisation platforms, they are paving the way for a future where making payments is as simple as a wave of the hand.
How the Magic Comes Together
Wearables Photo Shoot at Umhlanga
Money Carer South Africa Captures the Future of Payments in Umhlanga
On Sunday, April 20, 2025, the Money Carer South Africa team gathered at the luxurious The Pearls in Umhlanga for a vibrant photo shoot, celebrating the upcoming launch of their innovative NFC-enabled payment wearables. This event marked a significant step towards the May 2025 debut of ringpay.co.za, a platform set to revolutionize contactless payments in South Africa.
A Day of Innovation and Elegance
The Pearls, known for its stunning ocean views and sophisticated ambiance, provided the perfect backdrop for showcasing Money Carer’s sleek payment rings and bracelets. The team, energized and enthusiastic, captured images around the restaurant and pool area, highlighting the wearables’ blend of style and functionality.
Empowering Financial Inclusion
Money Carer’s NFC wearables are designed with inclusivity at their core. These devices:
Operate Without Batteries: Eliminating the need for charging, ensuring constant readiness.
Are Durable and Water-Resistant: Built to withstand daily activities.
Function Independently: No smartphone or app required, making them accessible to a broader audience.
These features aim to provide safer, faster, and more accessible payment solutions, particularly benefiting underserved communities by eliminating the need for traditional banking infrastructure.
Looking Ahead
As the May launch of ringpay.co.za approaches, the excitement captured during the Umhlanga photo shoot reflects the anticipation surrounding this groundbreaking initiative. By combining cutting-edge technology with a focus on inclusivity, Money Carer South Africa is poised to make a significant impact on the nation’s financial landscape.
Stay tuned for more updates as we approach the official launch, and prepare to experience a new era of seamless, stylish, and secure payments.
The Future on Your Finger
In a world where convenience is king, wearable tech has become more than a trend—it’s a lifestyle. Among the most innovative advancements is the NFC (Near Field Communication) ceramic ring, a stylish, contactless payment solution that fits snugly on your finger. Imagine leaving your house without a wallet or even your phone, and still being able to buy a coffee, hop on the subway, or pick up groceries. That’s the power of NFC ceramic rings. Let’s break down why this futuristic accessory is gaining momentum.
1. True Hands-Free Convenience
With a Money Carer designed NFC ceramic ring, your payment method is literally always on hand—no fumbling in pockets or bags for cards or phones. A simple tap of your ring against a compatible payment terminal is all it takes to complete a transaction. It’s perfect for people who are always on the move, whether you’re working out, traveling, or simply juggling a million things at once.
2. Sleek, Stylish & Subtle
Unlike bulky smartwatches or flashy tech, NFC ceramic rings offer an understated elegance. They come in minimalist designs that look like regular jewellery, blending seamlessly into your everyday style. And since they don’t need a screen or charging port, they’re lighter and sleeker than most wearables. Paying with a ring is simply cool.
3. No Charging Required
One of the standout features of NFC ceramic rings is their passive technology. These rings don’t need batteries or charging. The NFC chip inside is powered by the energy emitted from the payment terminal itself, meaning it’s always ready to go. That’s one less device to plug in every night.
4. Durability & Water Resistance
Made from scratch-resistant ceramic or similar hardwearing materials, these rings are built to last. They’re waterproof, so you can wear them in the shower, pool, or even while washing dishes—without a second thought. No delicate components, no worries.
5. Enhanced Security
NFC payments are generally very secure, using encrypted data and tokenization to protect your financial information. Plus, since your ring doesn’t store your actual card number and isn’t connected to your phone via Bluetooth or Wi-Fi, it’s virtually immune to most digital attacks. Lose your ring? You can easily deactivate it from your payment provider’s app.
6. Ideal for an Active Lifestyle
Whether you’re running, biking, or hitting the gym, carrying cash or a phone can be a hassle. An NFC ceramic ring is the perfect companion for active individuals. No straps, no sweat. Just tap and go.
7. Environmentally Friendly Option
Because NFC ceramic rings don’t require batteries or constant replacements like cards or phones, they contribute less to e-waste over time. A single ring can last for years with minimal environmental impact, especially compared to plastic cards that expire every few years.
8. Works in a Variety of Settings
From public transport systems to coffee shops, vending machines to parking meters—anywhere contactless payments are accepted, your ring can do the job. As more businesses embrace contactless tech, the ring’s utility continues to expand.
Final Thoughts
The NFC ceramic ring is more than just a gadget—it’s a glimpse into a future where simplicity meets sophistication. Whether you’re tech-savvy, fashion-forward, or just tired of carrying a wallet, this wearable offers a new level of convenience, style, and security. As contactless payments become the norm, slipping on a ring might soon become as routine as grabbing your keys.
Tap into the future—it’s right at your fingertips.