Move money like it should —
instant, final, compliant.
Instant Settlement
Compliance Built In
One Integration
Money in Africa moves too slowly, costs too much, and clears in days — not seconds.
- Cross-border payments take days. Money gets stuck in correspondent banks.
- Remittance fees still eat 8–15% of every transfer.
- Settlement risk on cross-currency trades has no real coverage in Africa.
- Disbursements to citizens, employees, or members take weeks to land.
- Compliance reporting is bolted on, not built in.
The promise
BitBank settles value the moment it should — across borders, between institutions, into the hands that need it. With compliance, traceability, and audit built into every transaction.
What BitBank Provides
A settlement layer for African finance — not a product that competes with the institutions that use it.
Instant Settlement
Value moves in seconds, not days. Final on receipt — no clawbacks, no float, no waiting on correspondent chains.
Compliance Built In
KYC, AML/CFT, monitoring, and regulator reporting run inline with every transaction. Not bolted on afterward.
One Integration, Every Rail
A single API abstracts a high-speed rail and a stable-value rail. Your team integrates once and reaches every counterparty.
Who we serve
Every party that moves money in Africa.
Each one feels a different version of the same problem: settlement that's too slow, too expensive, or too risky. BitBank is built for all of them.
People
“8–15% gone in remittance fees. 3 days to arrive.”
BitBank-powered services let money reach you the second it’s sent — to your bank account, mobile wallet, or phone. No more waiting, no more disappearing fees.
See howBusinesses
“Invoices stuck in correspondent banks for a week.”
Receive payments from clients anywhere, settled the same day. No cash-flow gaps from delayed cross-border transfers, no FX guesswork while funds float.
See howBanks
“Customers want fintech speed. Your core can’t keep up.”
Add real-time, cross-border settlement to your existing core through a single API. Match fintech speed without ripping out systems you’ve spent years building.
See howMicrofinance Institutions
“Loan disbursement still requires a branch visit.”
Push approved loans straight to a member’s wallet or mobile money. Pull repayments programmatically. Serve more members with the same staff and capital.
See howCredit Unions & SACCOs
“Members go elsewhere for instant transfers.”
Give members real-time inter-union and cross-border transfers, fully aligned with cooperative regulations. Keep deposits in the system that serves them.
See howMoney Transfer Companies
“Pre-funding partner banks ties up your capital.”
Settle corridors in seconds without pre-funding. Free up working capital, cut FX spread, and unlock new corridors without onboarding new partner banks.
See howForex Trading Desks
“Settlement risk on every African currency pair.”
Atomic settlement across currency pairs. Same-second finality eliminates Herstatt risk on cross-border trades and cuts the capital you tie up against settlement exposure.
See howImport & Export
“5 days for a wire. Weeks for a letter of credit.”
Pay suppliers and receive buyer payments same-day. The stable-value rail protects your margin from currency moves while funds are in flight.
See howGovernment Agencies
“Citizens wait weeks for social payments and salaries.”
Disburse salaries, subsidies, grants, and emergency relief directly to citizen wallets and bank accounts. Full audit trail. Aligned with regulator frameworks.
See howCentral Banks
“Cross-jurisdictional settlement still takes days.”
Real-time settlement infrastructure that complements RTGS for cross-border flows. Full transaction visibility within and across jurisdictions, with policy-grade audit trails.
See howWhat BitBank Is
BitBank provides the technology layer that allows banks, governments, and businesses to move money instantly, securely, and in compliance with regulations.
BitBank is not
A retail bank
We do not hold consumer deposits or issue cards directly.
A crypto trading app
We are not a speculation product. Settlement only.
A consumer wallet
You reach BitBank through your bank, MFI, or money transfer service.
BitBank is
Settlement Infrastructure
The technology layer that makes money final the moment it moves.
A backend rail for finance
Powering settlement, liquidity, and compliance for institutions.
Regulator-aligned by design
Built to operate within BEAC and BCEAO frameworks.
Four Layers, One Platform
BitBank is structured as a layered platform. Compliance is the foundation. Settlement rails are abstracted from end users.
01
Access Layer
APIs and integration endpoints for banks, fintechs, MFIs, money transfer companies, and government systems. Connect existing core banking, ERP, or treasury systems through a single interface.
- REST and webhook APIs
- Institution-grade authentication
- Sandbox & production environments
02
Settlement Engine
The processing core that moves and finalizes value. Routing, liquidity, and settlement run in real time so transactions clear in seconds — final on receipt.
- Real-time settlement
- Liquidity engine
- Atomic cross-currency routing
03
Compliance Layer
The regulatory foundation. KYC, AML/CFT, sanctions screening, transaction monitoring, and reporting are inline with every settlement — not bolted on afterward.
- KYC & identity verification
- AML / CFT screening
- Monitoring & regulator reporting
04
Settlement Rails
The underlying transport, abstracted from end users. A high-speed rail and a stable-value rail work together so institutions get speed and predictable settlement value.
- High-speed rail (Bitcoin Lightning)
- Stable-value rail (USDT)
- Invisible to end users
Built for Institutions
Real-time settlement, regulator-aligned, available 24/7.
Build on Africa’s Settlement Layer
Talk to our team about integrating BitBank. Sandbox access, integration support, and partnership conversations for banks, MFIs, money transfer companies, governments, and regulated businesses.