Rafiki
Financial operating system for flexible teams with automated invoicing KYC/KYB compliance and instant cross-border payments via stablecoin and fiat across 130+ countries
RafikiConnect Directly With Rafiki
Solution Highlights
Products
Fractional Talent Services
Connects startups, agencies, and growing businesses with vetted fractional specialists and micro-agencies from South Africa and LATAM. All talent is KYC/KYB verified and payment-ready with invoices and payments flowing automatically through Rafiki OS.
Integrated payments through Rafiki OS
All talent KYC/KYB verified and payment-ready
Multi-currency support (ZAR, USD, EUR, GBP, LATAM)
Operating System
Financial operating system for flexible teams that automates invoicing, KYC/KYB verification, and cross-border payments. Enables projects to settle in minutes rather than weeks, supporting distributed teams across multiple currencies and jurisdictions.
Automated invoicing from time tracking and tasks
Multi-party payment routing across borders
Stablecoin wallets with zero-fee transfers (USDC/USDT)
Pricing
Performance
Quick Fire with Greg Cooke: Rafiki OS makes subcontracting and cross-border work simple
Greg Cooke is a South African entrepreneur currently based in the UK, leading Growth and Product at Rafiki, a startup he co-founded after several years in performance and growth marketing. At Rafiki, he is developing software that streamlines cross-border subcontracting by utilizing stablecoin rails and multi-party invoicing. Unlike traditional invoicing tools, Rafiki is designed specifically for subcontracting workflows, collapsing multi-party engagements into a single process that saves time, reduces errors, and enables instant settlement across borders.
How SA's Rafiki makes subcontracting and collaboration across borders seamless
Rafiki offers multi-party invoicing and collaborative payments, and affordable cross-border transfers, including free instant transfers between Rafiki wallets anywhere in the world. Fiat and stablecoin payouts are built into invoicing.
From Solo to Squads: Shifting Africa's Freelancers to Micro-Agencies
According to global startup data, only around 10% of new ventures succeed. The main reason isn't always money—it's people. Teams are stretched thin, hiring is rushed, and under-qualified talent gets forced into critical roles. Across Africa, this challenge is pronounced. Despite high unemployment, a growing generation is rejecting traditional corporate careers for freelancing, contracting, and independent work.
Qualifications
Badges
Performance across Human Cloud, as measured by company interest, kudos, and business case success.
Features
Focus Areas
Specialized areas the solution focuses on. The best solutions specialize in niches across skillsets, functions, industries, regions, and more.
Category
General category of the solution.
About Rafiki
Rafiki is a financial operating system designed for flexible teams agencies freelancers and contractors. They automate invoicing by converting time logs into invoices handle KYC/KYB verification and enable instant cross-border payments. Features include multi-party payment routing to pay multiple contractors in a single transaction stablecoin wallets (USDC USDT) and fiat channels supporting EUR USD GBP ZAR and African currencies. Active across UK EU US and Africa with 0.2-1.4% transaction fees. Supported by CV Labs JobTech Alliance and Baobab Network.
Additional Details
Other Top Ranked Solutions
An independent global marketing consultancy delivering outsized growth.
Human Cloud Verification ensures that the listed end customer is verified. It's used across kudos, customers, and business cases, and performed by Human Cloud. Think about it like a background check.
