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PAYVAULTPayVault

Built for placesthe network forgets.

Offline payment infrastructure for Africa, sold to licensed partners.

Pupils in uniform working at their desks in a classroom

What weare building

A small, open protocol and the tools around it, so that a bank, a mobile money operator or a fintech can let customers pay and pay later when the network is down, without giving up control of licences, funds or customers.

Howwe work

Honest about limits

Offline double-spend cannot be fully prevented. We say so and design for bounded loss.

Partners hold the licence

We are a technology provider. We do not compete for your customers or hold their money.

Configuration over rewrites

Each country is a Country Pack, not a fork of the product.

Small and auditable

A compact protocol that partners and regulators can actually review.

Where we are today

We are at an early, concept-to-pilot stage. All country packs are at concept status. We have no public customers, and we will not claim any until partners agree.

Workwith us.

We would like to hear about your market.