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.
One payment, five steps, no detours. From a card in the diaspora to a school back home, with the banks settling wholesale behind the scenes.
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 Europe to a school back home. The corridor is built to repeat, city by city, across the continent. 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. Her €100 becomes 100 ayobi units, pegged 1:1 to the currency she pays with. Euros, dollars or pounds: every unit is fully backed by the money that bought it.
mint · ref PSP-2026-0847 · on-chainShe sends 100 ayobi straight to her brother's ayobi address back home. No agent, no counter, no waiting days.
transfer · confirmed in seconds · on-chainHer brother pays the school directly from his phone, approving the payment with his fingerprint. 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 ayobi units and is paid in its own local currency, on its own account. It never has to touch or understand crypto. It simply gets paid.
settlement · local-currency 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 included, 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. Fully-backed settlement tokens fall under e-money rules such as MiCA in the EU, and regulators across Africa are moving from caution to structured digital-asset frameworks. We build toward those rules, not around them, and our first corridor pilots are in preparation. Talk to us if you're a payout partner, provider network or regulator, anywhere on the continent.
The live demo walks you through the whole journey (buy, send, pay a school, settle in local currency) in about two minutes. No account needed.