How AfricaPay Works?

AfricaPay operates through a secure and regulated framework designed to support both inbound and outbound flows of Digital Local Currency across African countries.

1. Inbound Flows – Foreigners Accessing African Currency

AfricaPay enables tourists, diaspora, foreign students, and residents to:

BUY Local Currency digitally before or upon arrival
KEEP it in a regulated wallet or account in the destination country
SPEND it through local payment schemes (POS, QR, online)

All of this happens via approved global banks, wallets, or fintech platforms — with zero cost, real-time processing, and regulatory oversight.

2. Outbound Flows – Africans Accessing Foreign Currency

AfricaPay connects African banks and regulated institutions to a network of international partners offering access to Digital Local Currencies abroad. This allows:

Students studying overseas
Patients receiving treatment abroad
Travelers and families supporting relatives

to access destination country currencies through transparent, government-approved channels — avoiding costly third parties and unregulated markets.

3. Government & Regulator Integration

AfricaPay works closely with central banks and regulators to:

Ensure all transactions are traceable, compliant, and secure
Support tax and revenue collection
Enable currency policy enforcement
Build custom technology and legal frameworks around each country’s goals

AfricaPay isn’t just about technology — it’s about empowering Africa’s Local Currencies to thrive in the digital world.

When in Africa, Spend Like a Local but Digitally

At AfricaPay, we believe that true inclusion means enabling everyone — tourists, students, and residents — to experience Africa the local way, starting with how they BUY, KEEP, and SPEND Local Currency.

We provide end-users with seamless, secure access to Digital Local Currencies, helping them navigate daily life, education, or travel without the limits of paper money.

Our approach is fully aligned with local regulations, powered by local tools, and designed with a global mindset — giving governments the control they need, and users the convenience they deserve.

AfricaPay bridges tradition with innovation — and makes Digital Local Currency a reality for all.

Mutual Benefit

At AfricaPay we have a win-win-win mentality. Our solutions benefit the end-users, you, and the local economy.

Expertise

Our core team at AfricaPay comes together with years of experience in a variety of fields. Working with us puts you in a winning position at the start of your journey.

Consultation

AfricaPay is with you every step of the way. From the first move to the big break, we will help you make a mark in the local market

Trust and Security

Our partners are trusted and well-regulated players in the game and we connect you with them instantly

Mutual Benefit

At AfricaPay we have a win-win-win mentality. Our solutions benefit the end-users, you, and the local economy.

Expertise

Our core team at AfricaPay comes together with years of experience in a variety of fields. Working with us puts you in a winning position at the start of your journey.

Consultation

AfricaPay is with you every step of the way. From the first move to the big break, we will help you make a mark in the local market

Trust and Security

Our partners are trusted and well-regulated players in the game and we connect you with them instantly

AfricaPay RegTech Consultancy

Sometimes, the problem isn’t a lack of demand — it’s outdated rules that block existing opportunities.

At AfricaPay, we believe that smart regulation can transform the old way of doing things. With the right policy updates, new channels and financial corridors can be opened, allowing governments, central banks, ministries, and financial institutions to benefit from real, untapped demand that has been hidden or lost due to outdated systems.

Through AfricaPay RegTech Consultancy, we work directly with central banks, ministries of finance, tourism authorities, and regulators to:

Identify missed opportunities in cross-border payments and local currency use
Design modern, practical regulations that support Digital Local Currency flows
Advise on compliance models that protect national interests
Provide the necessary technologies and digital infrastructure
Connect with global member banks and partners for implementation

A Simple Framework: BUY – KEEP – SPEND

AfricaPay simplifies Digital Local Currency through a clear model:

BUY: Enable end-users (tourists, diaspora, students) to acquire your local currency through approved channels
KEEP: Let them store and manage it digitally in local wallets, integrated into existing apps
SPEND: Allow seamless use across local businesses, services, and travel, backed by your national system

AfricaPay turns regulation into a growth tool — unlocking digital currency flows and making your economy more connected, visible, and competitive.

AfricaPay is a National Program

AfricaPay is a fully integrated Digital Local Currency Program — not just a single app or solution.

It brings together the essential building blocks:
✅ Regulatory frameworks
✅ Banking infrastructure
✅ Local payment schemes
✅ Approved digital channels
to make it possible for tourists, students, diaspora, and SMEs to BUY, KEEP, and SPEND Local Currency — both inbound and outbound — securely and conveniently.

We understand the challenges of today’s digital fatigue. Instead of adding new apps, AfricaPay integrates directly into the platforms users already trust — banking apps, fintech interfaces, and wallets — ensuring widespread adoption without disruption.

AfricaPay is built for scale, compliance, and simplicity — turning Digital Local Currency into a connected, usable, and powerful tool for economic growth.

Any other questions?

If you have further questions, why not drop us a line?