PayFlow
Instant cross-border payments for SMEs
PayFlow is a fintech platform built for African SMEs to send and receive international payments instantly. We leverage blockchain settlement and local banking partnerships to eliminate fees and delays.
Structured as an ISIN-backed Actively Managed Certificate (AMC) through a regulated Luxembourg securitisation compartment. Not a crypto token.
Target Raise
$1.8M
Valuation
$9.0M
Min Investment
$0K
Funded
92%
Investors
187
The Problem
Cross-border payments for African SMEs take 5-7 days and cost 8-12% in fees. Traditional remittance corridors are expensive and slow, leaving working capital stuck in transit.
Our Solution
Blockchain-settled payments with local fiat on/off ramps, reducing cost to 1.5% and settlement to under 2 minutes.
Key Highlights
5 founders including former Flutterwave engineers
1,000+ active users in beta
Processing €500K/month in volume
Target: Nigeria, Kenya, Ghana (first 12 months)
Seed funding: €300K from Africa-focused VCs
Key Risks
- • Early-stage companies carry high risk of loss of capital.
- • Liquidity is available only during scheduled windows and is not guaranteed.
- • Past performance or projections are not indicative of future results.
- • Regulatory and market conditions may affect the structure and trading of the AMC.
Investment Structure
This opportunity is structured as an ISIN-backed Actively Managed Certificate (AMC) issued by a ring-fenced Luxembourg securitisation compartment. You receive economic exposure and defined governance rights without appearing on the company's cap table.
Not a crypto token. Regulated financial instrument.
Documents
Executive summary, financials, and data room available after access is granted.
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