Introducing TradPay

More than just a payment system, TradPay is the financial engine for Africa's manufacturing ecosystem. Secure escrow, instant credit, and powerful business tools, all in one place.

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Layer 1: Core Transaction Layer (Payments 2.0)

These features make TradPay fast, secure, and flexible for every user level — from local kiosks to international B2B exporters.

Instant Wallet Transfers

Send money P2P instantly, even across countries with mobile number or TradID

Beat delays of bank-based transfers

QR Code Payments

Universal QR codes for online checkout, warehouses, and agent pickup

Seamless in-person + digital integration

Multi-Currency Wallet

Auto FX conversion (KES, NGN, ZAR, USD, etc.) at live interbank rates

Enables borderless trade

Offline Mode

USSD or SMS-based TradPay Lite for non-smartphone users

Rural accessibility

Request to Pay

Sellers can request payment that buyers confirm with one tap

Streamlined invoicing flow

Bill Splitting / Group Pay

Buyers can co-finance B2B purchases

Unlocks MOQ-based orders for small retailers

Recurring Payments

For suppliers, rent, or subscriptions

Predictable business cashflow

Smart Checkout API

For Tradinta + external sites

Expands use beyond the platform

Layer 2: Capital & Credit Layer ("TradFinance")

TradPay’s credit engine turns transaction history into opportunity.

TradScore™

AI-driven score based on transaction, order history, review consistency

Builds trust + creditworthiness

TradPay Credit (Float)

Instant micro-loans or working capital for verified buyers/sellers

Boosts trade liquidity

Supply Chain Financing

Large buyers “vouch” for smaller suppliers; TradPay advances funds

Enables trust-based scaling

Invoice Financing

Convert unpaid invoices into instant liquidity

Keeps cashflow steady

Revenue-based Repayments

Loans auto-repay from wallet top-ups or incoming payments

Zero-stress loan management

TradGuarantee™

TradPay holds payment in escrow until delivery verified

Builds reliability in B2B transactions

Layer 3: Savings, Earnings & Yield Layer

Encourages businesses to keep their funds inside the ecosystem.

Yield Wallet

Earn small interest or TradPoints yield for stored funds

Retention of liquidity

TradPoints to Wallet

Convert TradPoints (earned from activity) into KES or credit

Incentivizes engagement

Round-Up Savings

Automatically save spare change from transactions

Smart micro-savings

Crowdfunded Investment Pools

SMEs can fund small factories or shared infrastructure

Democratized industrial financing

Layer 4: Business Operations Layer

TradPay becomes the heartbeat of Tradinta business accounts.

Payroll Hub

Pay employees directly from wallet to M-Pesa/TradPay

Simplifies salary disbursement

Supplier Payments

Pay vendors even if they’re off-platform

Extends reach beyond Tradinta

Invoice Management

Auto-generate, send & track invoices

Replaces manual accounting

Expense Tracking

Tag transactions by category for instant reports

Light ERP integration

Financial Dashboard

Real-time insights on cash flow, expenses, loans

Replaces Excel or QuickBooks

Tax Integration (KRA API)

Auto-generate VAT or withholding summaries

SME-friendly compliance

Layer 5: Growth & Integration Layer

Connects TradPay to partners, agents, and logistics — creating an entire economic web.

Instant Payouts for Partners

Pay Growth Partners the moment sales confirm

Trust & motivation

TradLogistics Payments

Pay shipping or insurance directly from TradPay

Unified checkout for trade

TradAPI for Developers

Open APIs for ERP, POS, or app integration

Ecosystem expansion

Agent Network ("TradAgents")

Physical cash-in/out agents across Africa

Offline inclusion

Virtual Cards (Mastercard / Visa)

Digital card linked to wallet

Online and global payments

Web3-Ready Infrastructure

Tokenized transactions ledger for auditability

Transparency & future-proofing

Layer 6: Intelligence & Automation Layer

This makes TradPay “smart,” not just functional.

AI Fraud Detection

Real-time risk scoring for suspicious transactions

Smart Reconciliation

Auto-match payments to invoices

Predictive Cashflow Insights

Alerts when cash levels may fall below supplier needs

Credit Simulation Tool

Users can simulate how TradScore or loan limits change

Behavior-based Rewards

Reward consistent activity, timely payments, and verified deliveries

Layer 7: Global Compatibility

Connecting African businesses to the world.

SEPA / SWIFT Gateway

Support for international wires

Crypto On/Off Ramp (Licensed)

Optional integration for global remittance or stablecoin payments

TradPay for Diaspora

Allow diaspora investors to directly fund verified local businesses on Tradinta

TradWallet ID

Universal payment identity (email / phone / TradID)

Instant FX Matching

Peer-to-peer foreign exchange network between users

Ready to Supercharge Your Business?

Join Tradinta today to access the full power of TradPay. Secure your transactions, unlock capital, and streamline your operations.