One FadPay Account, intelligently connected to the banks, cards, mobile money, merchants, businesses and developers around you. Not an app that stores value β a network that moves it.
A FadPay Account is a financial identity that connects what you already use. Link a bank, a card, Wave or Orange Money once β and the network takes care of moving money across all of them.
Link accounts at partner banks in Senegal and beyond for transfers, salaries and settlement.
Visa and Mastercard β for funding your Account, spending and international reach.
Senegal's favourite mobile money, connected natively for instant movement in and out.
Send and receive across Orange Money without leaving your FadPay Account.
Pay in stores and in apps straight from your FadPay Account, on iPhone.
Tap to pay on Android, powered by the same Account and the same routing engine.
Regulated digital-asset on-ramps and off-ramps, added when the market is ready.
Connect savings and investment products and fund them from your Balance in a tap.
Every new connection joins the same network β no new app, no new account, no new habits to learn.
Every payment on FadPay starts as an intent β not a rail. The routing engine turns that intent into the best possible path across every connection on your Account, in milliseconds.
Send Money. Pay Employee. Pay Merchant. Receive Money. You never pick a rail β you state an outcome, and the engine takes it from there.
Every available route is scored on cost, success rate, latency and real-time availability β then the engine picks the best one for this payment, right now.
If a route degrades mid-payment, the engine reroutes instantly down the chain. You should rarely notice a failure β you just see the money arrive.
The network needs to know who to trust β you shouldn't have to hand over your life to prove it. FadPay answers questions about you without ever exposing your data.
A financial reputation that belongs to you alone. Only you can ever see your Score β never merchants, employers or lenders, not even on request.
Verified attributes β phone, ID, address, employment β proven once and shared only with your explicit permission, one attribute at a time.
A business asks, you decide. Every authorisation is time-boxed and scoped to one question β and you can revoke it whenever you like.
Verifiers receive an attribute β "Eligible", "Verified", "Income requirement satisfied" β never your numbers, never your history.
Privacy by design: the FadPay Score is deliberately unavailable through the API, and no verification ever reveals a balance, an income or an account number.
The platform is architected so each of these arrives as a module on the same network β not a rebuild, not a new app.
Senegal first. Mali next. The same infrastructure, market by market.
