PaymentInfrastructurePlatform
Accept, route, and settle payments across mobile money, cards, and crypto rails with instant finality and built-in regulatory compliance for emerging markets.
Sector
Open Banking
Solution
Payment Infrastructure Platform
96%
Success Rate
Real-time
Settlement
96%
Success Rate
Real-time
Settlement
-60%
Fee Reduction
Solution Overview
Capabilities & technology
05 capabilitiesMulti-rail payment orchestration
Real-time settlement engine
PCI-DSS Level 1 compliant gateway
Dynamic currency conversion
KYC / AML screening pipeline
Technology stack
04 toolsCase 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%.
AI layer
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.
Blockchain layer
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
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 · DukaConnect
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