The Future of Digital Transactions in Africa
AFRA offers a unified digital payment transfer platform tailored for African economies. Our key features include:
Cross-border payments transfer with instant confirmation
Currency conversion between local African currencies.
Secure wallets with advanced encryption
Scalable for personal, business, institutions and community use
Seamless integration with mobile money and bank systems
Offline and low-data functionality for remote areas
Smart transaction records and receipts.
Basic Features.
User Auth✅
Currency Conversion✅
Send/Receive via AFRAONE ✅
Deposit/Withdraw (African local currency)✅
Transaction Logs✅
Live Sync✅
High Security ✅

Real-Time Insights That Empower
AFRA’s built-in analytics engine gives users real-time visibility into their financial behavior.
Track transaction trends, monitor spending, see currency value shifts, and access smart financial summaries — all in one place.
Stay in the Know, On Your Terms
Receive alerts the way you want them — transaction confirmations, balance changes, currency conversions, and goal progress. Users can personalize notifications for email, SMS, or in-app delivery based on their preferences.


Turn Financial Dreams into Reality
Set savings targets, payment deadlines, and business growth goals directly in your AFRA wallet. We help users stay focused and accountable with visual progress indicators and milestone celebrations.
Clean, Simple, and Built for Africans
Our intuitive dashboard helps users organize finances with categories, filters, tags, and summaries. Whether you’re running a small business or managing a family budget, AFRA keeps everything neatly structured.

Active Users
A Growing Digital Movement
Over 200 million Africans projected to use AFRA to send, receive, and build wealth together. Join a vibrant network of individuals and businesses shaping Africa’s financial future.
Saving $ BILLIONS
Empowering Africa Financially.
AFRA is projected to save Africa 65-75% of the $9+ billion lost annually to foreign currency exchange rates in intra-African transfers, transactions, and trades, with potential savings approaching 100% as adoption grows.
Client satisfaction
Built on Trust. Proven by Results.
AFRA’s dedication to transparency, security, and user experience has earned us high client satisfaction ratings. From tech-savvy youth to first-time digital finance users — we deliver excellence.
Countries Served
Across Every African Nation
AFRA connects the entire continent, operating seamlessly in all 54 African countries. We break borders and build bridges with one unified digital tool that understands Africa.
CURRENCIES IN USE
Diverse. Local. Relevant.
AFRA supports over 40 African national and regional currencies, allowing real-time conversions and financial transactions that make sense locally — and across borders.
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Team members
Rooted in Africa. Driven by Passion.
Our diverse and talented team of 30+ innovators, developers, finance, marketing, legal biz dev and strategy professionals and investors are all committed to one mission: economic empowerment of Africa through digital connection.
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Productivity Increase
More Time. More Value. More Freedom.
AFRAONE helps businesses and individuals eliminate transaction delays, reduce costs, and manage money faster. That means more time to grow, work, and thrive — all across Africa.
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OUR TEAM
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Mohammed Nefzi (Tunisia) Founding Partner.

Mr Nefzi is AfraOne Chief Financial Officer (CFO).
He is an astute financial expert, advisor and founder and CEO of ZC INVEST LTD, a fintech advisory firm connecting Africa, Europe, the UK, and the MENA region.
Mohamed gained extensive experience working in banking management roles, including at Banque Zitouna. Bank Manager, Fintech & Open Banking Consultant, Digital Finance Trainer.
With 11+ years in banking, fintech, and digital finance, he brings expertise in corporate
finance, compliance, and digital strategy. Based in
Tunisia with roots in
London, Mohamed is
passionate about using
technology to drive growth and innovation
for startups and financial institutions across borders.
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Emmanuel Tejumola (Nigeria) Founding Partner

Mr Emmanuel is AfraOne Chief Tech Officer (CTO).
Mr Tejumola – Mobile Application Developer & Software Engineer, is a versatile mobile app developer and full-stack software engineer skilled in Flutter, Dart, Java, and Spring Boot. Currently at Veehive Labs, his focus is on refactoring, performance optimization, and building scalable digital products. He is also co-founder of Rupple, a tech startup launched in 2024. Emmanuel’s previous experience includes backend development at SunTrust Bank Nigeria and roles at Olak Tech, Trusoft Limited, and ZAP. Passionate about problem-solving and UI design.
A great team lead, and he thrives in agile teams and continues to drive innovation through technology.
Chilombo Mary Chiwela (Zambia) Founding Partner.

Mrs Mary Chiwela is our Chief Marketing Officer (CMO).
She leads and handles all AfraOne Marketing activities across Africa.
Chilombo Mary Chiwela, Marketing & Communication Expert, ay professional with executive experience in e-banking, transaction services, and corporate communications. She is passionate about brand development, customer engagement, and ethical advertising, with a strong focus on consumer protection. Known
for her leadership
and mentorship, Mary champions employee experience and growth mindset as drivers of organizational success.
It's an honor to have her join us as partner.
Ogaga Al Palmer (Nigeria) FoundER

AfricaOgaga Al Palmer is AfraOne Chief Executive Officer (CEO).
He is an IT, AI and Digital Tech expert, advisor and founder and MD of Soft AI Africa and Lord Technologies, as well as Lyon RS with 15+years experience.
O A Palmer at AfraOne is leading the development of Africa’s pan-continental digital payment platform focused exclusively on African currencies. He also drives innovation through Soft AI Africa and Lyon RS, creating AI and digital technology solutions that advance Africa’s financial inclusion and economic integration. With experience guiding tech and business growth at Lord Tech, Ogaga champions innovation, transparency, and collaboration as key to Africa’s digital future.



















AfraOne Digital Ltd is a fully compliant digital technology platform today, operating under partnerships with licensed financial institutions. We are fintech-ready, with a clear roadmap to secure more licenses as needed, as we scale.
Operating Within the Law
AfraOne leverages the licenses of trusted banking and fintech partners, ensuring that every transaction is fully compliant with regulatory requirements.
Pan-African Alignment
Registered as a Digital Technology company in Nigeria and as a Fintech company in Rwanda, AfraOne aligns with the regulatory frameworks of each market where we operate.
Proactive Regulatory Engagement
We are preparing to join regulatory sandbox programs across Africa, allowing us to innovate responsibly under direct regulatory oversight.
Future Licensing Roadmap
AfraOne is committed to using licenses in every nation of operations, while also securing additional licenses as we expand across Africa.
👉 Our commitment:
AfraOne ensures safety, trust, and transparency for all users — building today with compliance, scaling with regulation.