One Ledger for
Digital Banks
for Instant Clearing
The DLT technology for direct and instant interbank clearing across Africa — built for the next generation of digital-first financial institutions.
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.
- 1R3 Corda DLT-Based SolutionPurpose-built for regulated financial services, proven at scale by central banks globally.
- 2Real-Time ClearingInstant inter-bank clearing with no batch delays and no manual reconciliation required.
- 3Direct SARB SettlementClearing obligations settled directly with the Reserve Bank — instant, risk-free final settlement.
- 4Single Shared LedgerNo reconciliations required. Privacy by design — only parties to a transaction see their own data.
- 5Enhanced Fraud ProtectionSender ID transmitted with every payment, reducing fraud exposure across the network.
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.
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.