Ledger before everything
Every product writes to one append-only, double-entry ledger. Records are never edited, never deleted. Correctness isn't a feature — it's the foundation the rest stands on.
354,000,000 adults across Africa still keep their money outside the financial system.
Not because they lack money.
Because the system wasn't built for them.
It was built for desks, branches and paperwork — not for market stalls, boda stages and savings circles. Africa already has a financial culture: it moves by hand, by trust, by group. What it lacks is infrastructure that speaks that language.
AfriX is that infrastructure. One ledger-first platform carrying payments, cards, transit fares, group savings and cross-border settlement — engineered for 54 countries, launched one honest market at a time. Uganda first.
The fabric
Six threads,
one platform.
- 01 AfriX Pay ↗ The everyday wallet: P2P, merchant QR & NFC, on smartphones and USSD alike. Launching · Uganda
- 02 AfriX Card EMV dual-interface cards, virtual and physical, with hardware-vault PAN tokenisation. In build
- 03 AfriX Transit Tap-to-ride for BRT and metro networks — offline-capable, operator SDK included. In build
- 04 ROSCA Groups Chama, susu, tontine, stokvel — group savings with transparent, automatic books. In build
- 05 AfriXCoin Stellar-based stable settlement for cross-border corridors that cost cents. Staged rollout
- 06 Intelligence Fraud models and analytics guarding the whole fabric in real time. Platform layer
How we build
Principles that don't bend.
Offline is a first-class citizen
USSD menus, NFC queue-and-sync, agent networks. If a product doesn't work in a village with two bars of signal, it isn't finished.
Licensed, in partnership
AfriX is a technology company, not a bank. In every market, regulated services run on the licenses of sponsor institutions — compliance designed per country, from day one.
One market at a time
Built for 54 countries; proven in one. Kampala is the first honest test — 50,000 users, real corridors, real fees. Then the next border.