Next-Gen Financial Infrastructure

Move value.
Settle instantly.
Across borders.

AfriX provides programmable settlement rails for African commerce. Transfer value between NT (Naira), CT (CFA Franc), and USDT through collateral-backed escrow, verified liquidity agents, and zero bank delays.

Launch AfriX Portal How the Rails Work

< 60s

Average Settlement

0.5%

Low Flat P2P Fee

100%

Collateralized Escrow

Real-time mint / burn settlement

USDT Security Deposit Backed

Live Exchange Simulator

Instant Cross-Border Settlement

Settlement Time

< 60 seconds

You Send1 NT ≈ 1 Nigerian Naira (NGN)

Presets:

Recipient Receives1 CT ≈ 1 West/Central African CFA Franc (XOF)

98,500.00

Indicative Rate1 NT ≈ 0.4000 CT

Platform Fee (1.5% transparent)3,750 NT

Escrow ProtectionGuaranteed by Agent USDT Deposit

Start Instant Transfer Accept on Your Store

Sub-60s Settlement

Instant P2P & merchant checkout

Collateralized Escrow

Agent capacity secured by USDT

Live Merchant Rails

PlugNG Shop & Kaalis Store active

Pan-African Liquidity

NGN (NT) ↔ XOF (CT) ↔ USDT

Audited Protocols

2FA, biometrics & dispute proofs

One Platform • Four Power Engines

Built for everyone moving value in Africa

From the consumer sending support home, to the merchant accepting cross-border checkout, to the local agent fueling liquidity.

Consumer Loop

Send, spend, and swap without cross-border borders

Send money to family in Lagos or Abidjan in under a minute. Hold NT, CT, and USDT with full transparency, flat 0.5% P2P transfer fees, and seamless cash-in/cash-out through local bank transfers and mobile money.

Send value instantly using email, wallet address, or QR code

Request tokens with customizable expiration (1, 3, 7, 30 days, or never)

Scan-to-pay via in-app camera for peer payment requests and merchant checkouts

Instant token swaps between NT (Naira), CT (CFA Franc), and USDT

Escrow protection on every cash-out with independent agents

Biometric security and multi-factor account hardening

Get Started as User

P2P Transfer Fee

0.5%

Settlement Speed

< 60s

Supported Currencies

NT, CT, USDT

Consumer Rails OverviewVERIFIED

Transfer Protocol:Direct Peer-to-Peer Sub-60s Settlement

Request & Scan-to-Pay:Live in-app camera scanner + expiring payment links

Cash-In / Cash-Out:Local Bank & Mobile Money via Verified Agents

Security Layer:Collateral-Backed Multi-Currency Vault

Fee Transparency:Flat 0.5% Send / 1.5% Swap (Zero Hidden FX Markup)

Architecture & Protocols

Engineered for trust. Built for scale.

Every layer of AfriX is purpose-built to eliminate the historical barriers of cross-border remittance and fragmented commerce across the African continent.

Triple Asset Rail

NT, CT, & USDT Interoperability

Hold and swap between the Nigerian Naira digital token (NT), Francophone West African CFA digital token (CT), and global Tether (USDT). Programmatic liquidity bridges local economies directly without traditional correspondent banking friction.

🇳🇬

NT (Naira)

1 NT ≈ 1 NGN

🇨🇮

CT (CFA)

1 CT ≈ 1 XOF

🌐

USDT

Global Dollar

Zero Counterparty Risk

Automated Lock Escrow

When cashing out or trading, tokens are programmatically locked into escrow. They are released only after the recipient explicitly verifies fiat receipt.

Escrow State Machine

Initiate → Token Lock → Fiat Transfer → Confirm & Release

Localized Liquidity

24/7 Independent Agents

Authorized local agents facilitate cash-in and cash-out via local bank rails and mobile money networks, operating whenever you need them.

Security Collateral:100% USDT Backed

Two Integration Paths

Path A Checkout & Path B Marketplace Rails

Path A: Standard MerchantPlugNG Shop

Single-merchant ecommerce. Create payment links, redirect customers to /pay/[id], receive instant callbacks via HMAC webhooks.

Path B: Marketplace RailKaalis Store

Multi-vendor marketplace infrastructure. Collect payments and execute programmable vendor payouts with custom settlement logic.

Account Hardening

Biometrics & 2FA

Time-based OTPs, biometric lock mechanisms, tier-based KYC validation, and immutable transaction audit trails protect every transfer.

Arbitration Review:Evidence-Based

Developer Rails

One API to unlock cross-border settlement

Integrate AfriX payment requests, hosted checkouts, and real-time webhook listeners into your application with just a few lines of code. Built with strict idempotency, cryptographic webhook signing, and comprehensive sandbox environments.

RESTful JSON API with authenticated Bearer tokens

HMAC-SHA256 signature verification on all webhook callbacks

Full Postman collection and sandbox test fixtures available

Download Postman Collection Generate API Keys in Merchant Portal

create-payment.sh

curl -X POST https://api.afrix.io/api/v1/payments \
  -H "Authorization: Bearer afx_live_sec_99a8b..." \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 25000,
    "token": "CT",
    "customer_email": "amara.kone@abidjan-commerce.ci",
    "description": "Invoice #INV-4921: Premium Coffee Beans",
    "callback_url": "https://merchant.com/checkout/callback",
    "metadata": {
      "order_id": "ORD-8392",
      "zone": "WAEMU_XOF"
    }
  }'

api.afrix.io (HTTP 200 OK)

REST / v1

The New Benchmark

Why Africa is moving to AfriX

See how programmable token settlement compares against legacy wire transfers and traditional remittance kiosks.

Scroll horizontally→

Feature & Capabilities	AfriX Rails	Traditional Banks	Legacy Remittance
Cross-Border Settlement Time	Under 60 seconds (Instant)	2 to 5 business days	1 to 24 hours
P2P / Transfer Fee	0.5% transparent flat fee	$25 - $50 + hidden FX spreads	7% - 14% high fee margins
Merchant Processing Fee	~2.0% direct to wallet	3.5% - 5.0% + cross-border surcharges	Not built for ecommerce
24/7/365 Weekend Operation	Always live (Independent Agents)	Strict banking hours only	Physical branch hours
Transaction Protection	Automated Escrow + Dispute Arbitration	Irreversible wire transfers	Manual receipt verification
Modern Developer APIs & Webhooks	Instant REST APIs + HMAC webhooks	Legacy batch files & paper forms	No merchant API
Asset Protection Standard	100% USDT Collateral-Backed Vouchers	Fractional reserve accounts	Third-party holding

Trust & Security Architecture

Built to eliminate fraud and preserve certainty

Traditional cash-for-crypto exchanges suffer from chargebacks, counterparty defaults, and ghosting. AfriX resolves this through mathematical escrow and required capital collateral.

Legal Architecture Note: AfriX tokens (NT, CT) are digital settlement vouchers pegged to local currency reference rates. AfriX does not operate as a commercial bank; all fiat exchanges are fulfilled by independent, licensed peer agents.

USDT Collateral Backing

Every liquidity agent is strictly bound to their verified USDT security deposit. An agent cannot accept mint or burn orders exceeding their liquid collateral limit.

Automated Escrow Protocol

During token sell and cash-out operations, digital tokens remain securely locked in platform escrow until the user confirms fiat receipt in their local bank or mobile money account.

Evidence-Based Dispute Resolution

If any disagreement arises between a user and an agent, our administrative arbitration system reviews cryptographic proof and bank receipts to release funds safely.

Collateral-Backed Vouchers

AfriX is a settlement network and technology provider—not a fractional reserve bank. Every token in circulation is 100% backed by liquid independent agent reserves.

Got Questions?

Frequently Asked Questions

Everything you need to know about the rails, tokens, security, and integration paths.

NT (AfriX Naira Token) and CT (AfriX CFA Franc Token) are digital settlement tokens with reference pegs: 1 NT ≈ 1 Nigerian Naira (NGN), and 1 CT ≈ 1 West/Central African CFA Franc (XOF). They allow value to move instantly across currency zones 24/7 without waiting for traditional banking clearance windows or expensive correspondent bank routing.

The Rails for a Moving Africa

Start moving value today. Instant, secure, borderless.

Join the merchants, independent liquidity providers, and individuals building frictionless African trade on AfriX.

Launch AfriX Portal Register as Merchant

Collateralized Escrow Sub-60s Settlement 24/7 Agent Availability

Move value. Settle instantly. Across borders.