Swifter — Africa's Fintech Infrastructure Platform

Swifter is a B2B fintech infrastructure company headquartered in Johannesburg, South Africa. We provide cross-border settlement technology to licensed banks and fintechs — enabling them to offer instant, compliant remittance services across the African continent.

5 products. One platform: Swifter Send • Swifter ID • Swifter ERP • ChatBanking • PayGuard

The Swifter Product Suite

Swifter Send — Cross-Border Payments Infrastructure

Instant cross-border settlement for banks and fintechs across 20+ African countries. Banks integrate via a single REST API and gain access to real-time FX aggregation, instant settlement via stablecoin rails (USDC on Solana — under 60 seconds), built-in compliance, and AI-powered smart routing. Approximately 50% cheaper than traditional correspondent banking.

  • Real-time FX aggregation across multiple liquidity providers
  • Settlement in under 60 seconds via USDC on Solana
  • 20+ African corridors: Nigeria, Ghana, Kenya, Tanzania, Uganda, and more
  • Three payout channels: Bank Account, Mobile Wallet, Business A2A

Swifter ID (eKYC Africa) — Identity Verification & Compliance

Pan-African KYC, AML, and identity verification infrastructure. Automated document verification, biometric matching, sanctions screening, PEP checks, and adverse media monitoring. Three KYC tiers aligned with SARB and FATF regulations. Built for regulated financial institutions across the continent.

  • Automated document verification and biometric matching
  • Sanctions screening, PEP databases, and adverse media monitoring
  • SARB, FATF, and FIC Act aligned
  • Three KYC tiers: Simplified, Standard, Enhanced

Swifter ERP — Business Management Platform

End-to-end business management platform designed for African enterprises. Invoicing, inventory management, payroll, financial reporting, and business intelligence — all integrated with Swifter's payments and compliance infrastructure.

ChatBanking — Conversational Banking Infrastructure

WhatsApp-native banking interface for financial institutions. Customers can check balances, make payments, transfer funds, and manage accounts through natural conversation. AI-powered intent detection with human handoff capabilities.

PayGuard — Real-Time Fraud Prevention

Transaction-time fraud decision engine that detects, scores, and blocks fraud in under 100ms. Protects against social engineering, SIM swap, account takeover, OTP phishing, and mule networks. SDK integration for mobile banking and payment apps. Visit PayGuard →

What We Do

Swifter is the invisible technology layer that powers cross-border payments for banks. We are not a bank, not an exchange, and never touch customer funds. Banks integrate via a single REST API and gain access to real-time FX aggregation, instant settlement via stablecoin rails, built-in compliance, and AI-powered smart routing across 20+ African countries.

  • Real-time FX aggregation across multiple liquidity providers
  • Instant settlement via USDC on Solana — under 60 seconds
  • Built-in KYC, AML, sanctions screening — SARB and FATF aligned
  • AI-powered smart routing with automatic failover
  • White-label dashboard for bank operations teams
  • 99.97% uptime SLA

How Your Money Moves

Settlement happens in 6 steps, all in under 60 seconds:

  1. ZAR Debited — Customer's bank debits ZAR from their account via Swifter API
  2. Buy USDC — Licensed on-ramp partner converts ZAR to USDC (stablecoin)
  3. On-Chain Transfer — USDC transfers on Solana blockchain in under 1 second for approximately $0.01
  4. Off-Ramp — Licensed off-ramp partner converts USDC to local currency (NGN, GHS, KES, etc.)
  5. Local Payout — Funds delivered to recipient's bank account or mobile wallet
  6. Delivered — Recipient receives funds. Total time: under 60 seconds for mobile money, 5-30 minutes for bank transfers

Compare: Traditional SWIFT / correspondent banking takes 3-5 days. Swifter settles in under 60 seconds.

Three Payout Channels

  • Retail Customer to Bank Account — Personal remittances to family, diaspora payouts, individual cross-border transfers. Stablecoin settles behind the scenes — recipient gets local fiat in their bank account.
  • Retail Customer to Mobile Wallet — Funds delivered directly to mobile money wallets for unbanked recipients. No bank account needed.
  • Business Banking to Bank Account (A2A) — Supplier payments, trade finance, corporate treasury. Account-to-account transfers using stablecoin as settlement mechanism — no crypto conversion for the business customer.

Supported Corridors

South Africa to 20+ African countries including: Nigeria, Ghana, Kenya, Tanzania, Uganda, Mozambique, Zimbabwe, Zambia, Malawi, DRC, Rwanda, Ethiopia, Senegal, Egypt, Morocco, Botswana, Namibia, Cameroon, Cote d'Ivoire, and Benin.

Platform Architecture

  • Infrastructure Layer — FX aggregation engine, smart routing, settlement orchestration
  • Compliance Layer — KYC classification, AML screening, sanctions checks, SARB reporting
  • AI Intelligence Layer — Predictive FX, anomaly detection, risk scoring
  • Bank Integration Layer — REST API, webhooks, white-label dashboard, reporting

Pricing Model

Swifter charges per-transaction fees with no monthly platform fees, no setup costs, and no minimum volumes. Banks keep their margin — Swifter's fees are a fraction of what SWIFT charges. Approximately 50% cheaper than traditional correspondent banking.

Compliance

Built for regulated environments. SARB (South African Reserve Bank) aligned. FATF compliant. FIC Act reporting built-in. Three KYC tiers: Simplified (under R3,000), Standard (R3,000-R25,000), Enhanced (above R25,000). Automated sanctions screening, PEP checks, and adverse media monitoring.

Company

Founded in 2024 in Johannesburg, South Africa. Swifter is strategically located in Africa's largest financial hub, with engineering teams operating across the continent's key corridors.

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