Infrastructure
Technology & Architecture
Enterprise-grade clearing infrastructure built on open standards — designed for easy bank onboarding, built on proven enterprise DLT, and ISO 20022 native.
Core Components
Six Pillars of the Platform
● Prototype in Development
The PayFi platform is engineered across six key technical dimensions, each addressing a critical requirement for enterprise-grade clearing operations.
01 — ISO 20022 Standards
02 — Prototype in Development
03 — Enterprise Technology: R3 Corda
04 — Single Shared Ledger
05 — SARB wCBDC Integration
06 — Sender Push Payments Focus
Designed for easy bank onboarding · Built on proven enterprise DLT · ISO 20022 native
Platform Foundation
Why R3 Corda
Corda is purpose-engineered for regulated financial services, with architectural decisions that make it the right foundation for interbank clearing.
Built for Regulated Finance
R3 Corda was designed from the ground up for the requirements of regulated financial institutions, including privacy, identity, and legal finality of transactions.
Proven at Scale Globally
R3 Corda is deployed by central banks and financial institutions worldwide, validating its enterprise-readiness for mission-critical payment infrastructure.
Privacy by Architecture
Unlike public blockchains, Corda’s permissioned model ensures transaction data is only shared with parties that have a legitimate need — a fundamental requirement for interbank clearing.
Atomic Settlement
Corda’s smart contract model enables atomic swaps — clearing and settlement resolved in a single indivisible transaction, eliminating settlement risk entirely.
Corda’s architecture ensures that only parties to a transaction can see that transaction’s data — a fundamental requirement for interbank clearing where competitive sensitivity is paramount.
Future Readiness
SARB wCBDC Integration
PayFi is architected to integrate with the South African Reserve Bank’s wholesale Central Bank Digital Currency infrastructure — positioning the platform at the forefront of monetary innovation.
Central Bank Alignment
Built to align with SARB’s strategic direction for the modernisation of South Africa’s payment infrastructure through the PEM Programme.
DLT Layer Integration
The PayFi DLT layer is engineered to connect directly to the SARB’s DLT settlement infrastructure, enabling native wCBDC settlement flows between participants.
Pan-African Scalability
The open-standards architecture is designed to extend beyond South Africa, supporting PayFi’s vision for a pan-African clearing rail serving banks across the continent.
Architecture Principles
Designed for easy bank onboarding · Built on proven enterprise DLT · ISO 20022 native
Want to Learn More?
Get in touch to discuss how PayFi can serve your institution’s clearing needs.
Enterprise DLT clearing infrastructure for digital banks across Africa.
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