The payments rail Africa's trade has been waiting for.
UmisiriPay is building the USDT-native cross-border payments infrastructure for SADC and COMESA — a $250B+ trade corridor where traders still lose 8–30% to legacy rails. We settle in under 60 seconds at a flat 1.5%.
Africa pays the world's highest remittance fees.
Informal cross-border trade across SADC and COMESA moves an estimated $80B+ annually — and a punishing share is lost to correspondent banking fees, FX markups, and multi-day settlement.
Effective cost of an average SADC remittance — among the highest in the world.
Settlement time on correspondent banking, trapping trader working capital.
Adults across SADC and COMESA without access to formal banking rails.
One app. Instant transfers. Settled in USDT.
UmisiriPay replaces multi-day correspondent rails with stablecoin settlement and a flat, transparent fee — purpose-built for African cross-border commerce.
Instant settlement
Sub-60-second finality on USDT rails. No correspondent banks, no float risk.
Flat 1.5% take rate
Transparent fee plus competitive FX spread. Predictable revenue per transaction.
Banked and unbanked
Mobile-first onboarding with tiered KYC. Cash-in and cash-out at the border.
Regionally native
Built around SADC and COMESA corridors, currencies, and trader behaviour.
Four steps. Sixty seconds.
Onboard
Tiered KYC in minutes. A phone number is the only requirement to begin.
Fund
Top up via mobile money, bank transfer, agent, or cash-in at the border.
Send
Recipient, amount, transparent fee preview, single-tap confirm.
Settle
USDT settles in under a minute. Recipient cashes out anywhere in the corridor.
Designed for the trader on the move.
Every screen is engineered for clarity and trust — built and tested with informal traders working the Chirundu, Kasumbalesa, Beitbridge, and Mwami corridors.
- Real-time USDT balance with local-currency conversion
- Transparent, upfront fee preview before every transfer
- Shareable transaction receipts via WhatsApp and SMS
- Offline-tolerant queuing for low-connectivity border zones
Live where trade actually moves.
Our four launch corridors capture more than $7B in annual cross-border trade — concentrated, high-frequency, and underserved by every existing rail.
Beitbridge
The primary artery for Southern African remittances. Over 25,000 people cross daily — most still paying 10%+ in fees.
A $250B+ market hiding in plain sight.
SADC and COMESA together represent one of the world's largest underserved payments markets — fragmented across 30+ currencies, high-friction, and structurally primed for stablecoin-native rails.
Annual cross-border trade across SADC
Intra-COMESA trade flows
Financially excluded adults in the region
Of SADC informal trade is led by women
Total cross-border trade & remittance flows across SADC + COMESA.
Informal and SME trade across our 4 launch corridors and adjacent borders.
Volume target by Year 3 — under 0.4% of TAM.
Built to out-price, out-pace, and out-localize incumbents.
Banks, remittance services, and single-country mobile money all leave material gaps in cross-border trade. UmisiriPay is the only solution combining stablecoin settlement with corridor-level distribution.
| Capability | UmisiriPay | Traditional Banks | Remittance Services | Mobile Money |
|---|---|---|---|---|
| Transfer fee | 1.5% flat | 8–15% | 5–10% | 3–7% |
| Settlement time | <60 seconds | 2–5 days | Minutes–hours | Instant (single country) |
| USDT settlement | ||||
| Cross-border native | Limited | |||
| Serves unbanked | Partial | |||
| SADC + COMESA focus | Limited | |||
| Transparent FX | Partial |
A high-margin, scalable revenue engine.
Revenue is generated on every transaction with near-zero marginal cost. As volume scales across corridors, gross margin compounds — and secondary revenue lines unlock at year two.
Every transaction generates a flat transaction fee plus a competitive FX margin. Variable costs are near-zero on USDT rails — gross margin structurally expands with volume.
- Merchant payments & QR acceptance
- Float on stored balances
- Business / developer API tier
- Bill payments, airtime, top-ups
Operators who've moved money across Africa.
Traction
Team
Help us build the digital payment backbone
of African trade.
We are raising $500,000 in seed funding to complete regulatory sandbox approval, launch pilots across four major trade corridors, and build our initial merchant and agent network across SADC and COMESA.
Complete Bank of Zambia sandbox graduation and corridor licensing.
Four-corridor pilot deployment with border-post agent infrastructure.
On-the-ground acquisition across SADC and COMESA gateway markets.
- Bank of Zambia sandbox graduation
- Live pilots across 4 SADC corridors
- Initial agent network at border posts
- Merchant acceptance in launch markets
A single, instant, low-cost payments layer connecting every African trader, merchant, and family — formal and informal.