PaymFi is the disbursement and eWallet layer for licensed MFIs in the zung.ai network. Issue wallets to your borrowers, agents, and merchants — under your institution's regulatory umbrella, not ours.
Built exclusively for licensed MFI operations. Every wallet is issued under a compliant, regulated framework — enterprise-grade from day one.
PaymFi sits on zung.ai's enterprise ledger — giving you settlement-grade accuracy, multi-entity support, and audit trails.
Operate across Africa, Asia, Latin America, and beyond with local rails, local currencies, and local compliance built in.
KYC templates, phone verification gates, and per-role module controls — compliance enforced at the infrastructure level.
PaymFi ships every wallet module out of the box — from QR payments and P2P exchange to virtual cards, staking, and gift cards — all connected to zung.ai's enterprise core.
Hold fiat and crypto in one wallet. Send, receive, request, deposit, withdraw, and exchange across currencies with real-time conversion rates.
Wallet CoreEvery wallet generates a shareable QR code and payment link. Users, agents, and merchants can scan-to-pay instantly — in-store or remotely.
QR & TransfersHosted checkout flow, Wallet ID cardless payments, HMAC-signed webhooks, payment links with guest checkout, and a bundled WooCommerce plugin.
MerchantBuilt-in escrow-protected buy/sell marketplace for fiat and crypto. Includes trader profiles, ratings, dispute handling, and in-order chat.
P2P ExchangeIssue virtual cards via Stripe Issuing, StroWallet, or Bitnob. Fund from wallet, freeze, unfreeze, and set spend controls — all from one panel.
Virtual CardsCross-border transfers with saved beneficiaries, corridor management, live quotes, and transfer tracking — built for last-mile communities.
RemittanceConfigurable APY earn plans with lock periods, scheduled reward distribution, maturity tracking, and detailed stake history per wallet holder.
Earn & StakingTiered subscription plans with pricing cycles, proration, renewals, cancellations, and gated feature access for revenue-generating modules.
BillingBranded gift card templates, wallet-funded purchase, email delivery, public previews, and direct wallet redemption. Plus single/multi-use voucher codes.
ExtrasWallet-funded airtime and data top-up via Reloadly, generic HTTP API, or sandbox. International mobile recharge from your eWallet in seconds.
RechargeDedicated agent panel with commission rules, QR cash-in/cash-out, loan disbursement in the field, and account conversion workflows.
Agent OpsEmail, SMS, push, and in-app notifications with per-event channel controls. Installable PWA with configurable icons, manifest, and service worker.
EngagementPaymFi wallets are issued by licensed MFIs within the zung.ai network — meaning your borrowers, agents, and merchants transact under your institution's existing regulatory approval.
PaymFi runs on zung.ai's enterprise ledger — delivering settlement-grade accuracy, multi-entity wallet accounting, and regulatory audit trails that generic payment processors can't offer.
Enable or disable every module independently — per panel, per KYC status, per phone verification. Adapt PaymFi to your exact business model without touching source code.
You own the code, database, and branding. Deploy on your own servers with no SaaS vendor holding your borrower data — and update with one click via the signed project updater.
PaymFi routes every wallet transaction — disbursement, repayment, QR payment, or remittance — across the fastest available rail in real time, with automatic failover.
Create your PaymFi account in minutes. Set up your MFI profile, configure currencies and countries, and invite your team — no technical setup required.
Borrowers complete mobile KYC in one flow. Once verified, their multi-currency eWallet is live instantly — with QR code, payment link, and earn access.
Loan funds hit the borrower's wallet in under 10 seconds on any rail. They can spend, send, earn interest, and repay — all from one eWallet interface.
Standing orders, QR payments, and USSD pull collections flow back to your portfolio. Auto-reconciliation against zung.ai's ledger means zero manual bookkeeping.
Built on zung.ai's core banking backbone — delivering settlement-grade reliability, built-in compliance, and full source ownership.
Redundant payment routing with automatic failover. Your borrowers' wallets are always accessible — even when a gateway goes down.
Funds reach borrower wallets in seconds, not hours — with instant SMS, push, and in-app confirmation on every transaction.
Self-hosted. Your servers, your database, your source code. No SaaS vendor holds your borrower data or wallet balances.
Multi-currency, multi-rail, multi-country. Issue wallets globally without re-platforming your payment infrastructure.
Connect your wallet to the rails your borrowers use across Africa, Asia, Latin America, and beyond. No separate accounts required for most integrations.
PaymFi runs on zung.ai's enterprise core banking ledger. Wallets are issued under the licensed MFI's regulatory umbrella — not as a public money transmitter. This means faster go-to-market, and full compliance through your existing approvals.
QR, P2P, cards, earn, agents, merchants — you are here
Enterprise ledger, multi-entity accounting & settlement
Hosted checkout, Wallet ID pay, payment links & webhooks
Escrow marketplace for member-to-member fiat & crypto trading
Every control MFI regulators expect is built into the eWallet layer — not bolted on later.
Audience-specific KYC templates for users, agents, and merchants. Gate wallet funding, withdrawals, and earn access behind KYC or phone verification.
Two-factor authentication for every role. Wallet PIN enforced on transfers, withdrawals, and all high-value eWallet actions — across User, Agent, Merchant, and Admin panels.
SHA-256 signed webhook delivery and Laravel Sanctum API tokens ensure only verified, tamper-proof payment events reach your core banking system.
Every wallet transaction, KYC event, login, and admin action logged with IP, device, and timestamp. Exportable for central bank and regulator submissions globally.
Granular Spatie permissions with independent panels for Users, Agents, Merchants, Staff, and Admins. Enable or disable any eWallet module per role — without code changes.
Laravel 11, PHP 8.3+, MySQL — deployed on your own servers. One-click signed project updater with SHA-256 verification and automatic recovery backups.
"PaymFi gave our borrowers a full digital wallet — not just a disbursement endpoint. They can earn, save, and pay with the same wallet they receive their loan into."
"The QR payments and merchant checkout meant our borrowers could immediately use their wallets to pay suppliers — turning a loan disbursement into a real eWallet."
"The P2P exchange and earn features were a surprise — our members actively use them. PaymFi turned our MFI into a full-stack neobank for underserved communities."
All plans include access to your PaymFi wallet. Upgrade to unlock higher limits, advanced features, and API access. Billed monthly, semi-annually, or annually.
Stake your funds and earn guaranteed returns. Flexible terms, transparent payouts, zero surprises — open to every PaymFi wallet holder, anywhere in the world.
Issue wallets to your borrowers, agents, and merchants — under your MFI's regulatory umbrella. No SaaS lock-in. Live in minutes.
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Free to register · MFI-issued wallets · 50+ countries · Powered by zung.ai
PaymFi is part of the zung.ai ecosystem — the AI-native core banking platform for licensed financial institutions in 180 countries. Every product runs on the same enterprise ledger, compliance layer, and settlement infrastructure.
PaymFi is a financial technology infrastructure platform, not a bank, money services business, or payment institution. PaymFi does not hold, transmit, or issue funds on its own behalf. PaymFi operates exclusively as a Fintech as a Service (FaaS) technology layer, providing wallet infrastructure, API connectivity, and disbursement tooling to licensed financial institutions within the zung.ai network.
All financial services accessible through PaymFi — including wallet issuance, fund disbursement, loan processing, and payment collection — are operated under the regulatory licences held by the licensed Microfinance Institutions (MFIs) deploying this platform. Licence compliance, KYC/AML obligations, customer due diligence, and regulatory reporting are the sole responsibility of the deploying MFI under their existing authorisation from the relevant national financial regulator.
PaymFi is built on and powered by the zung.ai enterprise core banking ledger — an AI-native financial infrastructure platform for licensed institutions in 180 countries. zung.ai provides the underlying settlement engine, multi-entity accounting, compliance framework, and API layer. zung.ai is not a consumer-facing financial services provider.
MFIs deploying PaymFi as their eWallet infrastructure are solely responsible for:
Important: PaymFi does not provide financial advice, credit assessment, investment recommendations, or regulated financial services directly to end users. Borrowers, savers, agents, and merchants transact through wallets issued and governed by their local licensed MFI — not by PaymFi Technology or zung.ai. The availability of specific wallet features (earn plans, virtual cards, P2P exchange) is subject to the deploying MFI’s regulatory permissions and local jurisdiction rules. Not all features are available in all countries. PaymFi technology is provided as enterprise software infrastructure under a commercial licence agreement with the deploying institution.