School fees paid. Hospital bills settled. ayobi lets the African diaspora pay the school or the hospital back home directly — in seconds, verifiable on-chain, with no middleman between your money and its purpose.
Every year, Africans living abroad send tens of billions of euros to their families — more than all foreign aid to Africa combined. It pays for school fees, hospital bills, food and housing.
But between the sender and the school stand collection agents, transfer fees and paperwork. Money meant for tuition gets diverted by the person collecting it. Recipients without valid ID documents can't collect at all.
Follow a single payment from a bank account in Belgium to a school in Tanzania. The rule that makes it work: value can only leave the system through a registered service provider — never as cash through a middleman.
Amara tops up with her bank card. €100 becomes 100 aEUR — a euro-pegged token, minted 1:1 against her payment.
mint · ref PSP-2026-0847 · on-chainShe sends 100 aEUR straight to her brother Juma's ayobi address in Dar es Salaam. No agent, no counter, no waiting days.
transfer · confirmed in seconds · on-chainJuma pays Mwananchi Secondary School from his phone, approving the payment with his face. The tokens can't be cashed out by anyone else — the school is the only possible destination.
payment · biometric approval · on-chainThe school redeems its aEUR and receives Tanzanian shillings on its own account. It never has to touch or understand crypto — it simply gets paid.
settlement · TZS payout · on-chain proofMillions can't collect money because their ID documents are missing or expired. ayobi issues a digital identity — photo and personal details — right from the app.
An ayobi ID is a platform credential for paying and receiving within ayobi — not a government document.
Tokens can only be redeemed by registered service providers — schools, hospitals, utilities. There is no cash-out path for a middleman, because the smart contract doesn't have one.
Purchase, transfer, payment and settlement each leave an on-chain record. Senders see exactly where their money went — with proof, not promises.
Every account is verified before it can hold value; KYC and AML rules are enforced in the contract itself. Built by a team with a decade of biometric identity work across Africa, including national election systems.
Working demo live at demo.ayobi.org — the full corridor, end to end, on a test network with simulated bank connections.
Regulatory track in progress. A euro-pegged token in the EU falls under MiCA, and Tanzania is finalising its digital-asset framework. We are building toward those rules, not around them — talk to us if you're a payout partner, provider network or regulator.
The live demo walks you through the whole journey — buy, send, pay a school, settle in shillings — in about two minutes. No account needed.