Universal financial hub
View connected accounts and WestPay activity in one place. Card issuing and external provider connections depend on licensed partners.
The universal financial network for West Africa
Move money from anywhere to anywhere.
Banks, mobile money, cards and wallets have never spoken the same language. WestPay AI is the routing layer between them — built to integrate with licensed partners, transparent fees, real-time settlement tracking, one intelligent platform.
- 8
- countries on our roadmap
- Multiple
- rail types planned
- 1
- QR code per person
Every rail, one interface
Designed for transfers through licensed banking and payment partners. Provider routes and live settlement require authorized integrations; unavailable routes cannot move money.
- Bank → Bank
- Bank → Mobile Money
- Mobile Money → Bank
- Mobile Money → Mobile Money
- Wallet → Bank
- Wallet → Card
- Card → Wallet
- Card → Bank
- Wallet → Wallet
- Remittance → Wallet
An operating system for money, not another wallet
Smart routing engine
Routing is designed to use configured provider capabilities and availability; external routes need authorized integrations before they can go live.
AI financial assistant
Compare fees, estimate arrival times, explain a transaction, flag unusual activity and surface savings opportunities in plain language.
Personal payment QR
A unique WestPay payment link per user. Acceptance by external bank and mobile money apps is not connected yet.
Intelligent recipient detection
Resolve WestPay IDs, phone numbers, emails, usernames and QR codes before confirming payment. Bank account name-check needs a licensed partner.
Compliance by design
KYC, AML workflows, fraud monitoring, audit logs and role-based access designed into every country we plan to launch in.
Built country by country, licensed market by market
The architecture treats a country as configuration: rails, regulators, currencies and partners plug in without redesign. That is how WestPay expands across Africa without rebuilding itself.
Phase 1Coming soon
- Liberia
- Sierra Leone
- Guinea
Phase 2Planned
- Ghana
- Nigeria
- Ivory Coast
- Senegal
- Gambia
Merchants
Payment links, QR invoices, receipts, refunds, sales analytics and staff permissions for businesses of any size.
Everyday money
Budgets, goals and group savings alongside a biller catalog. Bill payments need connected providers; unconnected services are marked coming soon.
Open infrastructure
Secure APIs so banks, telcos, e-commerce platforms, schools, NGOs and government agencies can build on the WestPay network.
Build on the WestPay network
Secure APIs for banks, telecom operators, e-commerce platforms, schools, NGOs and government agencies. Developer access is opening in phases.
Payments API
Collect and send money across mobile money, bank and card rails.
Routing API
Get the best route, fee and arrival time for any transfer.
Webhooks
Real-time status updates for every leg of a transaction.
JavaScriptSample — sandbox coming soon
// Sample only — fake values
const res = await fetch("https://api.westpay.example/v1/transfers", {
method: "POST",
headers: {
"x-api-key": "wp_test_xxxxxxxxxxxx",
"Idempotency-Key": "a1b2c3d4-0000-0000-0000-000000000000",
"Content-Type": "application/json",
},
body: JSON.stringify({
amount: 2500,
currency: "LRD",
source: { type: "mobile_money", provider: "mtn", msisdn: "+231770000000" },
destination: { type: "bank", bank_code: "000", account: "0000000000" },
reference: "INV-1001",
}),
});
const transfer = await res.json(); // { id, status: "PENDING", route, fee, eta }