Cutting the cost of remittances to Africa's diaspora, the world's highest at about 8 percent to Sub-Saharan Africa (World Bank, 2024), with instant, low-cost transfers.
AfriVest's stablecoin infrastructure provides the payment rails that connect Africa's 54 fragmented currency zones into a unified, interoperable financial network. Our SWAP Protocol enables instant cross-border settlement using reserve-backed stablecoins, reducing remittance costs substantially, enabling real-time trade settlement, and providing stable store-of-value instruments for populations suffering from currency volatility. Every stablecoin is fully reserve-backed with real-time attestation, identity-linked for compliance, and interoperable with both traditional banking systems (via ISO 20022) and the emerging CBDC landscape. Africa's diaspora sends substantial sums home annually, losing a high share to transfer fees, the highest remittance costs in the world. Meanwhile, intra-African trade worth over $1.1 trillion is hampered by fragmented currency systems, illiquid FX markets, and multi-day settlement times. AfriVest's stablecoin and payments infrastructure solves both problems simultaneously, creating a unified payment layer that serves individuals, businesses, and institutions across the entire continent with settlement finality in under 30 seconds.
Designed to align with
Built for institutions to trust.
Each capability is designed to institutional standards, for the regulators, central banks, and cooperatives that will rely on it.
SWAP Protocol
AfriVest's proprietary cross-border settlement protocol enabling instant, atomic swaps between African currencies, with built-in FX conversion, compliance checks, and settlement finality. The protocol aggregates liquidity from multiple sources including market makers, central bank reserves, and peer-to-peer pools to ensure competitive FX rates even for illiquid currency pairs.
Reserve-Backed Stability
Every stablecoin is backed 1:1 by audited reserves held in regulated custodial accounts, with real-time attestation, monthly audits, and full transparency for holders and regulators. Reserve composition is diversified across government securities, high-grade commercial paper, and cash equivalents, with independent attestation published on-chain every 24 hours.
Identity-Linked Compliance
Self-Sovereign Identity integration ensures every transaction is compliant with FATF Travel Rule requirements, enabling high-value transfers without manual compliance intervention. The compliance layer operates transparently in the background, automatically routing transactions through appropriate verification channels based on value thresholds and jurisdictional requirements.
Non-Custodial Wallets
Users maintain full custody of their funds at all times. No intermediary can freeze, seize, or restrict access to stablecoin holdings, true financial sovereignty for every user. Multi-signature recovery options and social recovery mechanisms ensure funds are never permanently lost while preserving the non-custodial security model.
54-Nation Connectivity
Interoperable payment rails connecting all 54 African currency zones, enabling seamless trade settlement, diaspora remittances, and cross-border cooperative transactions. The network supports both on-ramp and off-ramp through banking partners, mobile money integrations, and agent networks in every major African market.
Offline & USSD Access
Payment capability for feature phones and areas with limited connectivity, ensuring financial inclusion reaches the last mile through USSD-based transaction processing. Offline transactions are cryptographically secured and settle automatically when connectivity is restored, with configurable offline spending limits for risk management.
Merchant Payment Gateway
Plug-and-play payment acceptance for African merchants, supporting QR code payments, NFC tap-to-pay, online checkout integration, and point-of-sale terminal connectivity. Merchants receive instant settlement in their preferred currency with automatic FX conversion and transparent fee structures.
Programmable Payment Flows
Smart contract-based payment automation supporting recurring subscriptions, escrow services, milestone-based releases, split payments, and conditional transfers, enabling sophisticated commercial arrangements without intermediary trust requirements or manual processing overhead.
A clear path, verified at every step.
From first engagement to full operation, every phase is designed for reliability, compliance, and integration with the institutions already in place.
Reserve-Backed Issuance
Stablecoins are minted against fully audited reserves, fiat currency, government bonds, or commodity baskets, with real-time attestation ensuring every token in circulation is backed one-to-one by verifiable assets.
Identity-Linked Compliance
Every stablecoin wallet is linked to a verified identity through AfriVest's Self-Sovereign Identity layer, ensuring full FATF Travel Rule compliance and enabling seamless regulatory reporting across jurisdictions.
Cross-Border Settlement via SWAP Protocol
The SWAP Protocol routes transactions through optimized corridors between African nations, converting between local currencies and stablecoins in real-time with settlement finality in under 30 seconds.
Merchant & Banking Integration
Stablecoins integrate with existing mobile money platforms, banking APIs, and merchant point-of-sale systems, enabling everyday transactions, payroll processing, and B2B trade settlement across the continent.
Built for the institutions that steward value.
From sovereign authorities to cooperatives, ownership is preserved with the communities and institutions that already hold it.
Live remittance corridor enabling instant, near-zero-cost transfers from the UK diaspora to Zimbabwe, replacing Western Union and MoneyGram with direct wallet-to-wallet settlement. The corridor processes over $2M monthly with average transfer completion in under 30 seconds and fees below 0.5%, saving senders over $180 per $2,000 transfer compared to traditional services.
Real-time trade settlement protocol for Southern African Development Community nations, enabling businesses to settle invoices in seconds rather than days. The system integrates with existing ERP and accounting software, automatically generating compliant documentation for customs, tax authorities, and central bank reporting requirements.
Stablecoin-based merchant payment acceptance across 54 nations, enabling any African business to accept payments from any African customer without currency conversion friction. The network targets 1 million merchant onboardings in the first three years, with zero hardware requirements for small merchants using QR-based acceptance.
Stablecoin-based pre-payment system enabling international buyers to pre-fund African agricultural exports with milestone-based release, providing working capital to farmers while giving buyers transparent supply chain visibility and quality assurance through IoT-verified delivery conditions.
Explore connected infrastructure layers.
AfriVest's solutions are designed as an integrated stack where each layer strengthens the others. Explore how these connected layers work together.
