One Ledger for Digital Banks for Instant Clearing

Enterprise DLT Clearing

The DLT technology for direct and instant interbank clearing across Africa — built for the next generation of digital-first financial institutions.

Explore Our Solution

The Opportunity

One Ledger for Digital Banks for Instant Clearing

Enterprise DLT Clearing

The DLT technology for direct and instant interbank clearing across Africa — built for the next generation of digital-first financial institutions.

Explore Our Solution

The Opportunity

42M+

Customers served by Innovator Banks

R300M+

Est. annual Innovator Bank clearing costs

Real-Time

Clearing & SARB settlement

About PAYFI

Enterprise DLT Clearing — Purpose-Built for Africa

PayFi is building an enterprise DLT clearing network that enables digital-first banks to clear interbank transactions between themselves instantly and affordably on a single shared ledger.

Our Vision: Become a pan-African clearing rail for banks across the continent.

1

R3 Corda DLT-Based SolutionPurpose-built for regulated financial services, proven at scale by central banks globally.

2

Real-Time ClearingInstant inter-bank clearing with no batch delays and no manual reconciliation required.

3

Direct SARB SettlementClearing obligations settled directly with the Reserve Bank — instant, risk-free final settlement.

4

Single Shared LedgerNo reconciliations required. Privacy by design — only parties to a transaction see their own data.

5

Enhanced Fraud ProtectionSender ID transmitted with every payment, reducing fraud exposure across the network.

What We Offer

Built for the Modern Payments Landscape

PayFi addresses the core needs of digital-first banks with infrastructure that matches their scale, pace, and ambitions.



Instant Clearing

Real-time interbank clearing on a shared DLT ledger eliminates the delays of legacy T+1 batch processing entirely.



Direct SARB Access

Operates as a new clearing operator within the SARB’s multi-operator framework, enabling direct settlement access for qualifying institutions.



Privacy by Design

Permissioned DLT architecture ensures only transaction parties can see their data — enterprise-grade confidentiality at every layer.



Pan-African Vision

Designed from the ground up to scale beyond South Africa and serve digital banks across the entire African continent.



ISO 20022 Native

Full ISO 20022 integration ensures interoperability with global payment standards and future-proof connectivity.



Low Fees

A streamlined clearing path reduces the number of intermediaries, making efficient and affordable clearing accessible to all participants.

Our Vision

Become a pan-African clearing rail for banks across the continent

Ready to Learn More?

Explore how PayFi is reshaping interbank clearing infrastructure across Africa.

Our Solution Get in Touch

Enterprise DLT clearing infrastructure for digital banks across Africa.