TranzyPay
Cross-border payments and treasury infrastructure
A UK-regulated payments platform moving money between Africa and the rest of the world: multi-currency accounts, bulk payouts, FX and treasury management for businesses running $1M to $100M+ in flows.
The problem
African businesses trading internationally were losing days and margin to correspondent banking. Settlement took a week, FX spreads were opaque, and compliance evidence had to be assembled by hand for every corridor. TranzyPay needed infrastructure that could clear same-day across eight countries without a compliance team growing linearly with volume.
What we did
Designed a ledger-first core where every movement is a double-entry record. Balances are derived, never mutated, which makes reconciliation a query instead of a monthly fire drill.
Built the payout engine on queue-backed workers with idempotency keys on every external call, so a retried instruction can never double-send money.
Modelled multi-currency accounts as scoped sub-ledgers, letting one business hold GBP, USD, NGN and ZAR positions with FX booked as an explicit, auditable trade.
Wired compliance into the transaction path rather than bolting it on: screening, limits and risk scoring run inline, and every decision writes an immutable audit record.
Shipped an operations console so the internal team can trace any transaction end-to-end, and intervene without direct database access.
Outcome
TranzyPay serves 1,000+ businesses across the UK, Nigeria, Ghana, South Africa, USA, Canada, Kenya and Cameroon, with same-day GBP and USD settlement into African corridors.
What we delivered
- Core banking ledger
- Payout & FX engine
- Compliance tooling
- Merchant dashboard
- Ops console
- Public API + webhooks
Stack
Next case study
Nearpays
Turning any Android phone into a card terminal