TMoni is an app that provides a platform for businesses to provide services to the public. This platform is made possible by a cooperative agency, and it is designed to empower agents to offer their services to the public. The services provided by the agents on the app include financial services such as bank deposits, mobile money transfers, electricity bill payments, and more. 

This app allows the agents to operate their own businesses and provides them with an opportunity to earn commissions on every transaction they make. The commission is based on the amount of transaction and the agent's performance.

The TMoni app also gives the agents the ability to request loans from the app and access them at any time. The agents can access the loans and their customers can access their savings accounts.