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Tortuga defines “All-Commerce” - the integration of all commerce domains (Mobile, Internet & Physical) under a single Mobile Payments Platform and relationship structure. Tortuga is a new generation of Mobile Payments Company, designed to provide co-branded Payment solutions to Banks, Retail Groups and Mobile Carriers, allowing them to unlock the potential of their SME clients. The Tortuga solution is designed to offer more than Payments, it is a full Intermediation Platform, serving a range of value added products and services to the consumer or SME. Tortuga Mobile is a subsidiary of Xgemina Innovation, a Payments Industry incubator.