Who It's For How It Works Use Cases Government zamacoin.org Partner With Us
Enterprise Payments · ZamaConnect

Africa's cross-border
payment rail.
Built for institutions.

ZamaConnect moves money across all 54 African countries for businesses and governments. Instant settlement. Full audit trail. No SWIFT. No correspondent banks. No delays.

54
African countries on one payment rail
<60s
Settlement time
~0%
Transaction fees
No SWIFT. No correspondent banks. No dollar dependency.

Who It's For

Two markets.
One rail.

ZamaConnect serves businesses that trade across Africa and governments that need to move money with full accountability.

For Businesses

Pay suppliers, settle invoices, and move capital across Africa without touching the dollar system. Instant. Auditable. Near-zero cost.

  • Pay African suppliers in their local currency
  • Settle cross-border invoices instantly
  • Eliminate SWIFT fees and correspondent bank charges
  • API integration into existing finance systems
  • Full audit trail for every transaction
For Governments

Disburse grants, pay contractors, and collect cross-border revenue with complete transparency and accountability built into every transaction.

  • Disburse grants directly to recipients — no middlemen
  • Pay cross-border contractors and service providers
  • Collect diaspora tax remittances digitally
  • Every payment recorded on-chain — immutable and auditable
  • Smart contract automation for conditional payments

Three steps.
Any African country.

ZamaConnect handles the complexity. You send. They receive. ZAM moves the value in between — invisibly, instantly.

1
Connect

Integrate via API or log into the ZamaConnect dashboard. Onboard your organisation in one session. No blockchain knowledge required.

2
Send

Enter the recipient details and amount. ZamaConnect converts your currency to ZAM, moves it across the border, and converts to the recipient's local currency.

3
Settled

Recipient receives in their local currency within seconds. Full audit trail recorded on the blockchain. No manual reconciliation needed.


Use Cases

Real problems.
Real solutions.

Every week, African businesses and governments lose money to slow, expensive cross-border payments. ZamaConnect fixes that.

Business
Supplier Payments

A South African importer pays a Zimbabwean manufacturer directly in local currency. No SWIFT wire. No 3-day wait. No 4% bank fee.

Business
Cross-Border Payroll

A Nigerian company with staff across Ghana, Kenya, and Senegal pays everyone on the same day, in their local currency, from one dashboard.

Business
Trade Finance

African traders settle contracts instantly at point of delivery. No letters of credit. No waiting for bank approval across time zones.

Government
Grant Disbursement

A ministry disburses agricultural grants to thousands of farmers across multiple provinces. Every payment tracked on-chain. No leakage. No ghost beneficiaries.

Government
Contractor Payments

A Kenyan ministry pays a South African IT contractor. Payment releases automatically when the milestone is confirmed. No invoice fraud possible.

Government
Diaspora Revenue

Citizens abroad pay taxes and government fees digitally. Converted to local currency on arrival. Government receives more. Citizens pay less.


The blockchain
underneath everything.

ZamaConnect is built on the ZAM blockchain — Africa's own privacy cryptocurrency. ZAM is the bridge currency that makes cross-border settlement possible without touching the dollar system.

Learn about ZAM
Privacy by default

Transaction amounts and parties are shielded. Competitors cannot see your payment flows. Governments control what is disclosed.

Instant settlement

Cross-border payments settle in under 60 seconds. No correspondent banks holding funds for 3 business days.

African-owned infrastructure

Built in Africa, for Africa. No dependency on Western payment networks. The value stays on the continent.

Full audit trail

Every transaction recorded on-chain. Immutable. Tamper-proof. Auditors and oversight bodies can verify without accessing private data.


Get Started

Ready to connect
your institution to Africa?

Whether you are a business moving goods across borders or a government disbursing funds — ZamaConnect has a solution for you. Reach out and we will build it together.

Or email us directly at connect@zamacoin.org