AFRICA.INC
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Identity · Agentic execution · Citable settlement

One Africa. One Market. One Digital Platform.

Identity, execution and settlement for Africa's economy.

One governed platform for moving money, building enterprise and participating in the digital economy — designed to be delivered through licensed partners in each market, under identity, approval and audit controls that institutions can examine before any integration.

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  • Identity credentials held by the user, not in a central file
  • Agent execution with human approval on every action
  • Settlement finality by signed certificate, verifiable offline by a regulator

Positioning

An orchestration layer, not a monolithic application.

The interface is one platform; behind it is a federation of country-specific licensed partners — banks, payment service providers, mobile money operators, exchanges and custodians. Africa.Inc supplies identity, agentic execution and citable settlement. Regulated activity is performed by the institutions authorised to perform it.

Africa.Inc is

Africa.Inc is not

  1. Africa.Inc isAn orchestration layer over licensed institutions

    Africa.Inc is notA single entity performing every regulated activity itself

  2. Africa.Inc isA router among licensed banks, PSPs, mobile money operators and regional rails, on published criteria

    Africa.Inc is notA means of bypassing capital controls, sanctions, AML or consumer-protection rules

  3. Africa.Inc isA credential wallet and consent broker — Africa.Inc ID, built on FaceWallet's self-custody keys and device-only face unlock, adding verified credentials, pairwise identifiers, selective disclosure and a mandatory non-biometric alternative

    Africa.Inc is notA facial-recognition or biometric-verification service, a replacement for sovereign identity or a central database of facial images — no facial image is ever stored

  4. Africa.Inc isAgentic execution under signed mandate, with human approval on every action

    Africa.Inc is notAn autonomous agent, worker or trading bot free to move money, place orders or invest without confirmation

  5. Africa.Inc isA settlement and evidence record on STELS: notarised finality by certificate, no personal data on chain and a hash-chained audit channel

    Africa.Inc is notA cryptocurrency exchange, a token sale, a place where customer money is held or a claim that any network is live before it can be reached

  6. Africa.Inc isA gateway to regulated markets — data and indexes first, then order routing through licensed venues, brokers and custodians as approvals are obtained

    Africa.Inc is notA multi-exchange crypto trading terminal for the public, or a promise that any token is liquid, safe or legally a share

Foundations

Three named systems, each open to examination.

Africa.Inc is built on three specified, constrained systems. Each card states what the system does today, what is being built on it and its status as measured on the date shown.

  • Self-custody wallet, identity in build

    FaceWallet

    FaceWallet is a self-custody wallet on the STELS ledger, unlocked on the device by a facial feature-print that never leaves it. It is the key-custody foundation on which Africa.Inc ID — the reusable verified identifier — is being built.

    • Self-custody on STELS — keys held by the user; send and receive, tokens, contract calls, explorer, markets, news and notary views in one application.
    • No facial image is ever stored — unlock compares a compact feature-print, held in the device keychain and never synchronised.
    • Session-bound access — the wallet vault opens for a bounded session after face unlock and locks automatically after inactivity.
    Institutional detail
    • What the face does: local access control for the wallet on the device. It is not proof of legal identity, not enrolment with any identity authority and not Apple Face ID.
    • The feature-print is biometric data under most data-protection laws, image or not: it is processed on the device only, deleted with the wallet and never transmitted.
    • Africa.Inc ID (in build) adds: a reusable verified identifier mapped, under the holder's consent and country rules, to credentials from authoritative issuers; selective disclosure of individual claims; consent bound to purpose and duration, with revocation; a non-biometric alternative for every user.
    • Commitments carried into Africa.Inc ID: pairwise pseudonymous identifiers; encrypted templates and on-device matching; no biometrics on any ledger; independent testing for false match, false non-match and demographic performance; no facial recognition for surveillance or any secondary use.

    iOS application built on the STELS ledger; self-custody, face-gated local access. No public STELS node to connect to as of 2026-08-28. Africa.Inc ID: in build.

    In build

  • Execution under mandate

    Snaga

    Snaga orchestrates AI agent teams — planning, builder, QA and knowledge — that carry out work under a signed mandate, with a human approving every action that leaves the sandbox.

    • Approval on every action leaving the sandbox.
    • Budget caps set per agent, per team and per project.
    • Immutable audit log, exportable for review; SSO/SCIM; self-hosted or dedicated VPC.
    Snaga iOS, Activity tab: five runs held on the approval gate across three agents of the Corridor Pilot Team, each awaiting a human decision.
    Snaga · approval gate, iOS · seeded demonstration tenant · 2026-08-28
    Institutional detail
    • Multi-tenant API with role-based access; MCP client and server; twenty integrations in production.
    • Compliance artefacts at enterprise tier: AI System Card, FRIA report, audit export.
    • SDKs in five languages — TypeScript, Rust, Swift, Kotlin and Ada — generated from one OpenAPI document.

    Plans: Free, Starter, Pro, Enterprise — current prices at snaga.ai/pricing.

    In servicesnaga.ai →

  • Citable settlement

    STELS

    STELS (Smart Transaction Event Ledger System) is an event ledger for settlement that has to be citable: contracts execute deterministically under bounded budgets, and finality is a signed certificate from a notary committee, not a confirmation depth.

    • Notarised finality — a signed certificate from a two-thirds quorum of bonded notaries, carried with the execution receipt.
    • Deterministic, bounded execution — no network, no filesystem, a logical clock only, and a fuel budget on every contract.
    • Regulator review package — the ledger's rules ship as one signed package that a reviewer verifies with a single command, without any private key.

    Settlement properties

    • Finality by certificateA transaction is final when a notary committee signs a certificate for it — not after a number of confirmations.
    • Deterministic executionContracts run with no network or filesystem access and a logical clock, under a bounded execution budget.
    • No personal data on chainThe ledger stores proof hashes, timestamps and identifiers; personal data stays off-chain.
    • Tamper-evident auditA hash-chained audit channel with a seven-year retention rule, declared by the issuer external-auditor ready.
    • Independently verifiable rulesLedger rules ship as a signed package a reviewer verifies with one command.

    Properties as specified by the ledger's published rules. Network not yet public; status measured 2026-08-28.

    STELS · settlement properties as specified · 2026-08-28
    Institutional detail
    • No personal data on chain — travel-rule data is handled off-chain; the ledger stores only a proof hash, a timestamp and a VASP identifier.
    • Compliance encoded in the ledger's rules — sanctions screening, risk-based AML monitoring, seven-year record retention, a risk framework the issuer describes as ISO 27001-aligned, and a hash-chained audit log the issuer declares external-auditor ready.
    • Rules, signing thresholds and emergency limits are fixed in a signed contract that a reviewer can check independently.

    Review package available; network not yet public. Issuer: Gliesereum Ukraine LLC.

    In buildstels.io →

Platform in use

The product surfaces, as they run today.

Snaga is the agentic execution layer Africa.Inc runs on. Every frame below but the canvas is a capture of the product as it runs today (iOS in TestFlight beta), in light theme; the canvas is a reconstruction and is labelled as one. Frames from the seeded “Africa Inc” tenant show a demonstration business, not customers. Provenance for each capture is recorded in the repository.

Web

Corridor Pilot LeadHead
Plans corridor pilots; every external action waits for approval.
In progressruns 12/50
Remittance Route Analyst
Compares routes on all-in cost, delivery time, compliance fit.
In progressruns 7/25
Compliance Case Assembler
Assembles evidence for a licensed officer's decision.
Awaiting approvalruns 4/25
Diaspora Support Agent
Answers senders on fees, timing, documents, refunds.
Completedruns 9/25
Market Data Curator
Maintains FX and commodity reference indexes.
Pendingruns 0/25
Warehouse Receipt Verifier
Checks inspection, insurance and lien evidence.
Pendingruns 0/25
Merchant Onboarding Agent
Prepares partner-bank onboarding files.
Pendingruns 0/25
Canvas — agents as nodes, delegation as edgesReconstruction of the Snaga canvas in the product's own design: the Corridor Pilot Lead delegates to specialists; one delegation is held at the approval gate until a human decides. A capture of the live canvas replaces this frame when taken.

Mobile

Snaga iOS agents list: Corridor Pilot Lead under a crown, then Remittance Route Analyst, Compliance Case Assembler and other specialists.
Agent rosteriOS · Corridor Pilot Lead and six specialist agents, each with its mandate in one line.

Captures 2026-08-28 · Snaga web, iOS (iPhone 17 Pro simulator) and Android (Motorola razr) · seeded demonstration tenant where noted.

Modules

Modules and delivery sequence.

Modules are grouped into six delivery tiers. Two columns describe each module: the stage of the Africa.Inc module itself — the regulated, partner-delivered service — and the stage of the underlying technology. The two are not the same, and the page does not conflate them.

◆ marks working software built on the STELS platform (web application and iOS wallet). It does not indicate a licensed, partner-delivered Africa.Inc service, and the STELS network is not yet publicly reachable.

  1. Foundation

    • Africa.Inc Agent

      Agent teams that plan and execute work, with human approval on every action.

      Technology foundation
      Snaga — in service
      Module stage
      In service

    • Africa.Inc ID

      One verified identity, reusable across approved services under consent the holder can revoke.

      Technology foundation
      FaceWallet key custody and on-device face unlock ◆; credential, consent and disclosure layers in build
      Module stage
      In build

    • Africa.Inc Wallet

      Partner-issued balances, to be safeguarded by the issuing partner, with daily reconciliation and clear issuer disclosure.

      Technology foundation
      FaceWallet: self-custody STELS wallet — keys, send and receive, tokens, contract calls, explorer, markets, news, notary views ◆
      Module stage
      In design

      The wallet, reconstructed from its own design system: balance, quick actions, assets, send flow and face unlock. Values are illustrative; the product decides its own look and Africa.Inc supplies the frame.

      FaceWallet is a self-custody cryptographic wallet on the STELS ledger. It is not a regulated e-money or bank account. The Africa.Inc Wallet module refers to partner-issued balances, to be safeguarded by the issuing partner, and is in design. SLI is the network's utility coin; no fiat value is shown because no public market exists.

    • Africa.Inc News

      Aggregated African financial and market news with attribution, provenance labels and correction workflow.

      Technology foundation
      News feeds in FaceWallet and the STELS terminal ◆
      Module stage
      In build

    • Africa.Inc Network

      A professional network for African enterprise: verified profiles, organisations and counterpart discovery.

      Technology foundation
      —
      Module stage
      In design

  2. Money movement

    • Africa.Inc Send

      Remittances routed on all-in cost, delivery certainty and compliance, with total cost shown first.

      Technology foundation
      STELS settlement ledger — network not yet public
      Module stage
      In design

  3. Market access

    • Africa.Inc Markets

      Regulated access to African commodity and capital markets through licensed venues, brokers and custodians.

      Technology foundation
      Trading terminal: market data, charting, order book, view-only mode ◆
      Module stage
      Planned

      The STELS terminal connects to third-party exchanges and can run in view-only mode. Order execution for Africa.Inc clients will proceed only through licensed venues and brokers, subject to investor eligibility and local capital-control rules.

    • Collective Markets Intelligence

      Aggregated market data indexes and programmable analysis workers, published as reference information rather than advice.

      Technology foundation
      Indexes and analysis workers ◆
      Module stage
      In build

    • Africa.Inc Exchange

      Order routing and on-ledger settlement where authorisation, surveillance and custody arrangements permit.

      Technology foundation
      Public explorer ◆
      Module stage
      Planned

  4. Asset infrastructure

    • Africa.Inc Receipt

      Electronic warehouse receipts carrying inspection, insurance, lien and custody evidence for trade finance.

      Technology foundation
      Certificate issuance and validation in the token builder ◆
      Module stage
      Planned

    • Africa.Inc Assets

      Tokenisation of legally enforceable claims only, with registers, distributions and redemption defined first.

      Technology foundation
      Token builder: token creation with cryptographic certificates, validation, history, export ◆
      Module stage
      Planned

      A certificate is evidence of issuance and signature; it is not legal title, custody, insurance or a regulated instrument. Africa.Inc will tokenise only claims that satisfy the asset-truth test set out in Governance.

    • Africa.Inc Commerce

      Merchant storefronts, collections and settlement for SMEs, connected to identity and wallets.

      Technology foundation
      —
      Module stage
      Planned

  5. Institutional rails

    • Africa.Inc Pay

      Cross-border business payments and trade settlement, in local currency where regional rails support it.

      Technology foundation
      STELS settlement ledger; multi-signature authorisation ◆
      Module stage
      Roadmap

    • Africa.Inc Business

      SME financing informed by consented transaction and receipt evidence, funded by licensed lenders.

      Technology foundation
      —
      Module stage
      Roadmap

    • Africa.Inc Liquidity

      Partner-managed liquidity, prefunding optimisation and automated exposure limits across corridors.

      Technology foundation
      —
      Module stage
      Roadmap

    • Africa.Inc Reserve

      A regulated settlement instrument, pursued only in jurisdictions where such issuance is lawful.

      Technology foundation
      —
      Module stage
      Under evaluation

  6. Extended services

    • Africa.Inc Circle

      Diaspora programmes, savings circles and compliant community funding with milestone escrow.

      Technology foundation
      —
      Module stage
      Under evaluation

    • Africa.Inc Fan

      Club and fan participation built on savings and commerce, not on gambling mechanics.

      Technology foundation
      —
      Module stage
      Under evaluation

    • Africa.Inc Play

      Interactive formats kept structurally separate from financial products and investment decisions.

      Technology foundation
      —
      Module stage
      Under evaluation

    • Africa.Inc Language

      Local-language interfaces and translation, extended market by market as coverage is validated.

      Technology foundation
      Multi-model assistant ◆
      Module stage
      Under evaluation

    • Africa.Inc Impact

      Social-impact investment access with measured outcomes and eligibility checked by jurisdiction.

      Technology foundation
      —
      Module stage
      Under evaluation

A regulated Africa.Inc module reaches “In service” only when a licensed partner delivers it under the governance described below; an unregulated module is in service when its software is.

Products

What will be sold, to whom, and how.

Africa.Inc's commercial model is governed capability sold to institutions and access sold to individuals. Each product below names its intended buyer, what is delivered and its commercial model. Prices are published only where a product is in service.

  • Africa.Inc Agent

    Buyer
    Banks, PSPs, mobile money operators, SMEs, government units
    What is delivered
    Governed agent teams for onboarding, reconciliation, compliance case assembly and customer service — approval on every action, budget caps, audit export, SSO/SCIM, self-hosted or dedicated VPC.
    Commercial model
    Free plan (2 agents, 1 team, 300 runs per month); Starter, Pro and Enterprise as published at snaga.ai/pricing. Inference included on every plan; priced on outcomes, not seats.
    In serviceSnaga

  • Africa.Inc ID

    Buyer
    Banks, fintechs, telcos, identity authorities, employers
    What is delivered
    Reusable verified identity: one enrolment, selective-disclosure claims, consent receipts and revocation, with a non-biometric alternative.
    Commercial model
    Per-verification fee and credential-lifecycle subscription (B2B). Free to the holder.
    In build

  • Africa.Inc Send

    Buyer
    Diaspora senders; remittance companies and mobile money operators as routed providers
    What is delivered
    Transparent remittance routing on all-in cost, delivery certainty and compliance, with total cost shown first.
    Commercial model
    Routing or transaction fee; disclosed FX share; partner referral.
    In design

  • Africa.Inc Pay

    Buyer
    SMEs, merchants, exporters, cooperatives
    What is delivered
    Invoicing, cross-border business payments and trade settlement on regional rails.
    Commercial model
    Take rate and merchant SaaS tier; FX and treasury share.
    Roadmap

  • Africa.Inc Business

    Buyer
    SMEs, SACCOs, MFIs, licensed lenders
    What is delivered
    Bookkeeping, cash-flow forecast, receivables and consented data for lender underwriting.
    Commercial model
    Monthly tier plus usage; origination and servicing fee from lenders.
    Roadmap

  • Africa.Inc Markets

    Buyer
    Brokers, exchanges, issuers, professional users, DFIs
    What is delivered
    Pan-African market data, indexes and portfolio view; broker routing as licensed.
    Commercial model
    Data tier; revenue share with brokers; issuer services.
    Planned

  • Africa.Inc Receipt and Assets

    Buyer
    Warehouses, commodity buyers, insurers, lenders, SPVs
    What is delivered
    Electronic warehouse receipts with a full evidence stack; tokenisation of enforceable claims only.
    Commercial model
    Issuance, monitoring and administration fees.
    Planned

  • Africa.Inc News and Network

    Buyer
    Publishers, enterprises, professionals
    What is delivered
    Provenance-labelled financial news; verified professional profiles and counterpart discovery.
    Commercial model
    Enterprise intelligence subscription; separated advertising; organisation tier.
    In design

  • Institutional integration

    Buyer
    Central banks, regulators, DFIs, PAPSS-connected banks
    What is delivered
    Perimeter-mapped pilots by corridor and licence: identity assurance, routing transparency, settlement evidence and audit access.
    Commercial model
    Scoped pilot agreement under written mandate; no exclusivity.
    In design
  • Routing optimises the customer outcome and discloses total cost.
  • No sale of raw biometric or personal data.
  • Donations, rewards and investments are never mixed.
  • No outcome fee that distorts fiduciary decisions.
Request an institutional briefingJoin Africa.Inc

Architecture

Ten layers. Regulated activity sits with licensed partners.

The front end is one platform; the back end is a federation. The table states, for each layer, what it does and which system provides it — and where Africa.Inc's own perimeter ends.

LayerWhat it doesProvided by
L1ExperienceOne coherent front end across web, progressive web app, low-bandwidth and assisted channels.Africa.Inc
L2Agent executionMulti-step tasks under a signed mandate, with human approval on every action leaving the sandbox, a capped budget and an immutable audit log.Snaga
L3Identity and consentA reusable, privacy-preserving identifier; selective-disclosure credentials; consent bound to purpose, duration and revocation.Africa.Inc ID, on FaceWallet
L4MoneyValue moved by routing each transaction to the best compliant licensed rail; fiat balances issued by partners and safeguarded by them.Licensed partners, orchestrated by Africa.Inc
L5Assets and claimsWarehouse receipts and real-economy claims turned into legally evidenced, financeable and — only where lawful — tokenised instruments.Licensed partners; STELS for evidence
L6MarketsMarket data, onboarding, broker routing, order orchestration and portfolio view; execution on licensed venues.Licensed venues, brokers and custodians
L7Community and distributionNews, professional network, diaspora, sport and commerce — engagement outside the regulated perimeter.Africa.Inc, with licensed publishers
L8Trust fabricConsent ledger, credential status, key management, fraud monitoring, AML screening; the record the other layers are judged on.FaceWallet, STELS audit channel, Africa.Inc screening
L9Settlement and recordCitable, deterministic finality for platform records and contract logic — notarised finality, no personal data on chain.STELS
L10Regulated railsWhere legal settlement, safeguarding and custody occur: banks, mobile money, instant-payment systems, PAPSS, exchanges, CSDs, custodians, warehouses.Licensed partners and public infrastructure

Layer 9 is not layer 10: STELS gives citable finality over Africa.Inc's own records; legal money settlement happens on licensed rails and is proven against legal records, not ledger balances.

Governance

A network of regulated institutions, not a substitute for them.

Each activity sits with the licensed entity authorised to perform it, under written mandates, segregated responsibilities and independent review. Identity data is minimised, agent authority is bounded and revocable, and settlement rests on a ledger whose rules, thresholds and compliance controls are signed and verifiable by any reviewer.

  • Inclusion before sophistication

    USSD, low-data mode, assisted onboarding and local languages come before advanced features.

  • A regulated network of networks

    Licensed partners hold the licences; activities are isolated by entity and jurisdiction.

  • Consent and minimisation

    Verified claims are shared, not identity files; every use is bound to purpose, duration and revocation.

  • Safety by architecture

    No raw biometrics on any ledger; segregated custody, step-up authentication, transaction limits.

  • Asset truth before tokenisation

    A token is valid only when title, lien priority, custody, insurance and redemption are valid.

  • Human accountability for AI

    Agents act within explicit mandates, with confirmation, logging, reversibility and a route to appeal.

  • Verifiable by construction

    Ledger rules, signing thresholds, emergency limits and compliance settings are encoded in signed rules a regulator can check independently.

Frameworks referenced in design

  • World Bank ID4D
  • FATF Guidance on Digital Identity
  • NIST SP 800-63-4
  • AU Interoperability Framework for Digital ID
  • CPMI–IOSCO Principles for Financial Market Infrastructures
  • PAPSS participation rules, for partner banks

Roadmap

Six phases. Each gate states what must be true, not what has been done.

Delivery follows the module tiers above. A phase opens only when its gate holds; engineering shortens build time but moves no gate, because every gate is legal, regulatory or assurance-based.

  1. 0–3 months

    Perimeter and design

    Target markets and corridors; regulatory perimeter opinions; partner term sheets; brand and IP clearance; licence arrangement for the STELS platform; biometric impact assessment; AI impact assessment.

    Gate

    Board approves perimeter, risk appetite and budget. Nothing regulated ships before this gate.

  2. 4–9 months

    Identity, agent, audience, proof

    FaceWallet in service as key-holder and unlock surface; Africa.Inc ID in build; Snaga control plane with financial agent roles; News; Network.

    Gate

    Closed beta; security assurance; device-bound key storage and presentation-attack-grade liveness; identity performance testing; editorial governance.

  3. 10–18 months

    Send and Wallet

    Africa.Inc Send on two diaspora corridors; partner-issued safeguarded wallet with STELS records; published routing factors; reconciliation, support, complaints.

    Gate

    Service, complaint, fraud and unit-economics thresholds; safeguarding assurance; daily reconciliation.

  4. 12–24 months

    Pay, Business, Markets gateway

    Merchant collections and invoicing; one intra-African SME corridor; Markets as data, indexes and portfolio view in view-only mode.

    Gate

    Corridor economics proven; broker and custodian certification; no order matching operated by Africa.Inc.

  5. 18–36 months

    Receipt, then Assets

    One commodity, one accredited warehouse, insurer, lender, anchor buyer and registry workflow; SME financing against verified claims; tokenisation only after the asset-truth test passes.

    Gate

    Legal enforceability opinion; independent audit; a completed redemption drill.

  6. 30–60 months

    Regulated distribution and market utility

    Issuer and SPV services; order routing to certified licensed venues; standardised instruments; a licensed venue if and only if authorised.

    Gate

    Regulatory approval; independent assurance; surveillance, default management and resilient settlement demonstrated.

Audiences

Who this is for.

For institutions

Regulators, banks, payment providers, DFIs and investors can examine the identity model, the agent mandate framework and the settlement evidence before any integration. Pilots are scoped by corridor, by licence and by written mandate.

Request an institutional briefing

For individuals and SMEs

Diaspora families, individuals and SMEs: the platform is designed so that one verified identity is reusable across approved services and the total cost of a transfer is shown before confirmation. Each service opens only where a licensed partner delivers it.

Join Africa.Inc

Registration

Join Africa.Inc.

Registration is open now; services open market by market, only where a licensed partner delivers them. Institutions receive a briefing; individuals and SMEs are notified if and when a service opens in their market.

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Leave blank if registering as an individual.