# Swifter — Cross-Border Payments Infrastructure for Africa

> 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.

## What Swifter Does

Swifter is a technology infrastructure layer (not a bank, not an exchange) that sits between
licensed financial institutions and settlement partners. Banks integrate via a single REST API
and gain access to:

- **Real-time FX aggregation** across multiple liquidity providers
- **Instant settlement** via stablecoin rails (USDC on Solana) — under 60 seconds
- **Built-in compliance** — KYC tier classification, sanctions screening, SARB/FATF-aligned
- **Smart routing** — AI-powered provider selection with automatic failover
- **Multi-corridor coverage** — 20+ African countries

## How Settlement Works

1. ZAR debited from customer's bank account
2. ZAR converted to USDC via licensed on-ramp partner
3. USDC transferred on-chain (Solana, <1 second, ~$0.01)
4. USDC converted to local currency via licensed off-ramp partner
5. Local currency delivered to recipient's bank account or mobile wallet

Total settlement time: under 60 seconds for mobile money, 5–30 minutes for bank transfers.

## Three Payout Channels

- **Retail → Bank Account**: Personal remittances, diaspora payouts
- **Retail → Mobile Wallet**: Unbanked recipients, consumer payouts
- **Business → Bank Account**: Supplier payments, trade finance (A2A settlement)

## Key Pages

- Homepage: https://swifter.digital/
- How It Works: https://swifter.digital/how-it-works
- Platform Architecture: https://swifter.digital/platform
- Features: https://swifter.digital/features
- Corridors: https://swifter.digital/corridors
- Pricing: https://swifter.digital/pricing
- Corridor Economics: https://swifter.digital/corridor-economics
- API Documentation: https://swifter.digital/developers
- API Sandbox: https://swifter.digital/sandbox
- Compliance: https://swifter.digital/compliance
- Partners: https://swifter.digital/partners
- About: https://swifter.digital/about
- Blog: https://swifter.digital/blog
- Contact: https://swifter.digital/contact
- FAQ: https://swifter.digital/faq
- Bank Demo: https://swifter.digital/bank-demo
- B2B Demo: https://swifter.digital/b2b-demo

## Company Details

- **Founded**: 2024, Johannesburg, South Africa
- **Type**: B2B fintech infrastructure
- **Regulation**: SARB, FATF, FIC aligned
- **Target customers**: Licensed banks and fintechs in Africa
- **Settlement partner model**: Swifter never holds customer funds
- **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, Côte d'Ivoire, Benin

## Contact

- Website: https://swifter.digital
- Contact form: https://swifter.digital/contact