Open Banking — Solution
Payment Infrastructure Platform
Accept, route, and settle payments across mobile money, cards, and crypto rails — with instant finality and built-in regulatory compliance for emerging markets.
Capabilities & Technology
Key Capabilities
Multi-rail payment orchestration
Real-time settlement engine
PCI-DSS Level 1 compliant gateway
Dynamic currency conversion
KYC / AML screening pipeline
Technologies
System Architecture
Our hybrid ecosystem integrates seamlessly with your existing infrastructure, providing AI-powered insights secured by blockchain transparency.
Data Sources
Legacy systems, APIs, databases
AI Processing
Machine learning models, predictions
Blockchain Layer
Immutable audit trail, smart contracts
Analytics Engine
Real-time metrics, dashboards
Cloud Infrastructure
Scalable, secure deployment
Automated Workflows
Process automation, integrations
Case Study
Processing $12M Monthly for a Regional E-commerce Marketplace
Executive Summary
A pan-African e-commerce marketplace migrated from a legacy payment aggregator to the Payment Infrastructure Platform. Settlement time dropped from T+3 to real-time, transaction fees fell by 60%, and payment success rates rose from 74% to 96%.
Think — Intelligent Payment Routing
The AI routing engine evaluates 12 payment rails in real time, selecting the path with the highest success probability and lowest fee for each transaction. The model learns from historical failure patterns per issuer, time of day, and transaction size.
Honesty — Atomic Settlement on Stellar
Merchant settlements are executed as atomic swaps on the Stellar network. Both buyer payment confirmation and merchant payout happen in a single indivisible transaction, eliminating float risk and providing cryptographic proof of settlement.
Operational Metrics
Performance Comparison
See how our hybrid AI + blockchain solution compares to traditional approaches across key operational metrics.
| Metric | Traditional | Hybrid Ecosystem |
|---|---|---|
| Payment Success Rate | 74% | 96% |
| Settlement Time | T+3 | Real-time |
| Transaction Fee | 3.5% | 1.4% |
Technical Stack
2026 Roadmap
Q2 2026: Add Buy Now Pay Later rail. Q3 2026: Open-source the routing engine. Q4 2026: Regulatory sandbox integrations for Nigeria and Ghana.
“Our checkout abandonment dropped overnight. Real-time settlement means our sellers get paid instantly — that changed everything.”
— Sarah Mwende, CTO at DukaConnect