AnnitaPay - Africa's Unified Financial Engine
Move, Store, Issue, and Grow Money Without Borders. A high-performance digital finance infrastructure powering seamless money movement across Africa and the world. Built as a cornerstone of the Annita Ecosystem—Africa's first all-in-one super app.
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Why Choose AnnitaPay
Built with cutting-edge technology and security, AnnitaPay provides the most reliable and user-friendly payment experience.
One Global Account
One AnnitaPay account works across all countries—no need to register multiple times
Bank-Grade Security
Encrypted at rest and in transit, with biometric login, two-factor auth, and fraud prevention
Pan-African Agent Network
Agents across rural and urban areas for cash-in, cash-out, and merchant support
Online + Offline Support
Works with or without internet. USSD & SMS-based systems for unbanked or low-connectivity regions
Cards & Wallets
Multi-currency wallets and physical/virtual cards usable globally
Cross-Border Transactions
Send and receive money instantly across countries, 24/7, at a fraction of traditional cost
Core Products
Comprehensive financial solutions designed for Africa's unique needs and challenges.
Digital Wallets
Secure, multi-currency wallets built for scale
- Store, send, receive local currency, USD, and stablecoins
- Offline access via USSD and QR codes
- Gasless blockchain transactions (Bridge-powered)
- Built-in biometric and PIN security
Bridge-Powered Stablecoin Infrastructure
Next-gen stablecoin services through a unified orchestration layer
- Orchestration API for global stablecoin movement
- Issue your own branded stablecoin backed by real assets
- Launch thousands of digital wallets securely
- Create cards usable online and in-store
- Send global payments with local FX integration
Offline Functionality
Designed for Africa - bridging the digital divide
- USSD Banking — no internet required for payments
- SMS Notifications — instant alerts for transactions
- Agent-Enabled Operations — verified field agents
- Edge Syncing — offline transactions sync when online
Platform Architecture
Built on enterprise-grade infrastructure with modular components designed for scale, security, and performance.
API Layer
RESTful and GraphQL APIs for custom integrations
SDKs
Developer-ready SDKs for Android, iOS, and Web
Core Banking
Modular ledgers and settlement engine
Compliance
Built-in KYC, AML, and fraud systems
AI Engine
Fraud detection, credit scoring, and behavioral analytics
Dev Console
Full sandbox environment for partners and fintechs
Advanced Security
Bank-grade security with multiple layers of protection to keep your money and data safe.
End-to-End Encryption
256-bit AES encryption for all data transmission and storage
Biometric Authentication
Fingerprint, face ID, and voice recognition for secure access
Multi-Factor Authentication
SMS, email, and authenticator app-based 2FA protection
Fraud Detection AI
Machine learning algorithms detect and prevent fraudulent transactions
Real-time Monitoring
24/7 transaction monitoring with instant fraud alerts
Regulatory Compliance
Full compliance with PCI DSS, GDPR, and local financial regulations
Advanced Capabilities
Cutting-edge technology and innovative features that set AnnitaPay apart from traditional financial services.
Smart Contract Integration
Automated financial agreements with blockchain technology
- Self-executing contracts
- Automated settlements
- Transparent transactions
- Reduced intermediaries
AI-Powered Insights
Personalized financial recommendations and spending analysis
- Spending pattern analysis
- Budget optimization
- Investment suggestions
- Risk assessment
Cross-Chain Interoperability
Seamless transactions across multiple blockchain networks
- Multi-chain support
- Atomic swaps
- Cross-chain bridges
- Universal compatibility
Quantum-Resistant Security
Future-proof encryption resistant to quantum computing attacks
- Post-quantum cryptography
- Advanced key management
- Future-proof security
- Military-grade protection
Our Vision
To become Africa's financial operating system, enabling any individual or business to participate in the global economy without friction—regardless of borders, infrastructure, or background.
Transaction Volume
Last 30 days
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