This is Joyce from Stellar. One of the most interesting parts of this project for me is the fact that airtime (prepaid mobile minutes) will be a method of savings. And in many places in the world, there are many locations and agents where people can pay for mobile minutes (essentially cash in/ cash out). It is ubiquitous. This means Praekelt and their users can piggy back off of existing networks and reach more people at lower cost.

What's the security model to protect the money from predators?

Not sure what your exact question is. If you elaborate, we can try to answer. Thanks.