$0
Total Volume
0
Transactions
$0
Fees Saved
Synthesis 2026 — Agents That Pay

Send Money Across Africa for 0.5%

Africa loses $4.3 billion/year to remittance fees averaging 8.9%. AfriPay uses stablecoins on Ethereum L2s to cut costs by 17x -- keeping money where it belongs: with families.

$48B
Annual African Remittance Market
Growing 6% YoY
8.9%
Average Traditional Fee
Highest in the world
0.5%
AfriPay Fee
17x cheaper
$4.3B
Potential Annual Savings
If all African remittances used AfriPay
Fee Comparison: Sending $200 to Africa
AfriPay
$1.00 (0.5%)
Mobile Money
$12.00 (6%)
Western Union
$15.80 (7.9%)
Bank Transfer
$25.00 (12.5%)
You save $16.80 per $200 transfer vs Western Union — that's $201/year for monthly transfers
➤
Send Remittance
Live Fee Comparison for $200
AfriPay
Save $16.80 vs Western Union
$1.00
Western Union
7.9% average
$15.80
Bank Transfer
10-15% with FX spread
$25.00
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Top Cash-Out Agents
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Recent Transactions
ID Corridor Amount Fee Status Date
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Cash-Out Agents Across Africa
Cairo Dakar Lagos (24) Accra Douala Kinshasa Addis Ababa Nairobi (18) Mombasa Kampala Kigali Dar es Salaam Johannesburg (12) Cape Town
111 Active Agents • 14 Cities
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Agent Leaderboard
Rank Agent Name Country Location Orders ▼ Rating Status
$284.5K
Total Volume Processed
1,042
Total Orders
$0
Total Fees Saved
12
Active Agents
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Volume by Corridor
📈
Monthly Volume (6 Months)
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Order Status Distribution
💰
Fee Savings Breakdown
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How It Works
1
Sender Deposits USDC
Sender deposits stablecoins into the RemittanceVault smart contract. Fee: 0.5% (vs 8.9% traditional).
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2
Local Agent Claims Order
A verified agent near the recipient claims the order on-chain. Agents are reputation-scored and staked.
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3
Cash / M-Pesa Delivery
Agent delivers cash or mobile money (M-Pesa, Airtel Money) to the recipient. No bank account needed.
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4
Settlement + Rewards
Agent confirms delivery, receives USDC from vault. Sender earns AFRI loyalty tokens.
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Corridor Pricing
Corridor Traditional Fee AfriPay Fee You Save on $200 Savings %
Nigeria → Kenya 9.2% ($18.40) 0.40% ($0.80) $17.60 95.7%
South Africa → Zimbabwe 14.4% ($28.80) 0.45% ($0.90) $27.90 96.9%
Kenya → Uganda 8.5% ($17.00) 0.30% ($0.60) $16.40 96.5%
Nigeria → Ghana 7.8% ($15.60) 0.35% ($0.70) $14.90 95.5%
Kenya → Tanzania 6.5% ($13.00) 0.30% ($0.60) $12.40 95.4%
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Smart Contract Architecture
RemittanceVault.sol
Core vault: holds stablecoin deposits, manages order lifecycle (Pending, Claimed, Completed), handles agent payouts.
FeeController.sol
Dynamic fee system: 0.5% base fee, volume discounts (down to 0.25%), corridor-specific pricing.
AgentRegistry.sol
Local cash-out agent onboarding with country-based discovery and on-chain reputation tracking.
AfriToken.sol
AFRI ERC-20 loyalty/governance token, 100M supply. Senders earn 10 AFRI per remittance.