Payment OS · Emerging Markets · AI-native

The OS for money
in emerging markets.

Building a financial product in emerging markets shouldn't take 18 months. emerafi collapses compliance, connectivity, and infrastructure into one AI-native API. Go live in 5 days.

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54+
Markets across MEA
7
Live and operational
AI ·
Native throughout

Built for 54+ markets across MEA. Live and operational in 7 today.

emerafi dashboard
$2.4M
Volume today
↑ 12.4% vs yesterday
99.2%
Success rate
AI routing active
1,204
KYC verified today
avg 4.1s per check
0.03%
Fraud rate
↓ AI blocking active
// Your product. Your brand. Our OS. await emerafi.launch({ product: "wallet", market: "AE", compliance: "auto", kyc: "ai_native" }); ✓ Live in production — Day 5
AI compliance updated CBUAE directive 2m ago
Transfer settled · AED 18,500 · UAEFTS 8s ago
KYC approved · Emirates ID verified · 3.8s 14s ago
AI re-routed UAEFTS — peak congestion avoided 31s ago

Integrated with the infrastructure you already rely on

The problem
18mo
Average time to launch a compliant payment product in MEA without purpose-built infrastructure
3.4B
People in emerging markets underserved by financial infrastructure built for someone else
54+
Markets across MEA. Each with different rails, regulators, and identity systems.
Why building here is hard

Fragmented rails

Every market runs on different payment schemes. One integration per market before you write a line of product code.

Compliance that moves

Central bank rules change constantly. Your compliance stack is stale the day it ships.

Identity that doesn't fit

Western KYC systems reject millions of valid MEA customers. Built for exclusion, not inclusion.

Infrastructure that fails

Connectivity drops at peak. Settlement times out. The stack needs intelligence, not dashboards.

Use Cases

What you can build
on emerafi.

Digital Wallets

Launch branded wallets with multi-currency support and real-time settlement.

Payouts & Disbursements

Send money instantly to bank, card, or mobile wallet across 54+ markets.

Neobanks

Full-stack infrastructure for a digital bank — accounts, cards, compliance, KYC.

Payment Acceptance

Accept cards, mobile money, and local schemes under your own brand.

Embedded Finance

Any company — telco, retailer, logistics — can offer financial products on our rails.

Card Programmes

Issue virtual and physical cards under your brand. Visa, Mastercard, or Verve.

AI-native Platform

Not AI-augmented. AI-native.

Six layers of AI — each solving a real infrastructure problem in emerging markets.

01
Onboarding

AI-Powered KYC

MEA document types. 4-second decisions. Works without formal addresses.

avg decision: 4.2s  ·  accuracy: 98.4%
02
Scoring

Alternative Scoring

Credit scoring without credit history. Behavioural signals, mobile patterns, velocity.

features: 200+  ·  trained on: MEA data
03
Security

Fraud Detection

Trained on MEA fraud patterns. SIM swaps, mobile money scams, agent fraud.

latency: <60ms  ·  false positives: <0.3%
04
Infrastructure

Smart Routing

Optimal rail selected per transaction in real time. Success, cost, and network health.

signals: 12 real-time  ·  lift: +8.4%
05
Compliance

Auto-Compliance

54+ central banks monitored. Rules auto-update within 24h of any directive.

update lag: <24h  ·  markets: 54+
06
PCI + Security

Automated Certification

PCI DSS maintained continuously. In-region data hosting. Always audit-ready.

standard: PCI DSS L1  ·  cert: continuous
Why emerafi

Speed when you want it.
Control when you need it.

Everything you need to launch, scale, and operate financial products in emerging markets. Nothing you don't.

Talk to us
01

Go live in 5 days

Not weeks, not months. API keys to production in 5 days.

02

One API, all of MEA

54+ markets. Every rail. One integration. No duplicated build work.

03

Compliance that maintains itself

AI monitors every central bank we operate under. You stay legal automatically.

04

Your brand, not ours

Full white-label. Your customers never see emerafi.

05

Built for the frontier

Offline resilience, local rails, MEA identity — not adapted from a Western product.

06

PCI DSS out of the box

Level 1 certified. Continuously maintained. Never manually recertified.

5
days to live.

Not 5 days to sandbox. 5 days to production — real users, real transactions, real revenue. AI-native compliance and pre-integrated rails make this possible.

Start Building
D1

API keys + market config

Connect. AI auto-configures compliance rules for your target market.

◆ AI configures
D2

KYC flows live

Identity flows trained on local document types. First users onboarded.

◆ AI-verified
D3

Fraud models deployed

Market-specific fraud models active. Smart routing optimised for your corridor.

◆ AI-trained
D4

PCI DSS certified

Automated security audit complete. Compliance documentation generated.

◆ Auto-certified
D5

Production launch

Real transactions. Real customers. Your brand. Full monitoring active.

● Live
Platform Modules

Everything your product needs.
Nothing you don't.

Live

Core Payments

Cards, mobile money, bank transfers, USSD — every rail in MEA through one API.

AI-optimised routing
Live

Digital Wallets

Multi-currency wallets with real-time settlement and AI fraud monitoring built in.

AI fraud layer
Live

Payouts

Instant and bulk payouts to bank, card, or mobile wallet across 54+ countries.

Live

KYC & Identity

AI identity verification for MEA documents. 4-second decisions. Inclusion-first.

AI-native · MEA training data
Live

Fraud Management

MEA-trained models. Understands local fraud patterns others miss.

AI-native · <60ms
Live

Compliance AI

Regulatory monitoring across 54+ jurisdictions. Rules auto-update. PCI DSS continuous.

AI-native · Auto-cert
Roadmap

Tokenization

PCI DSS Level 1 vault. Visa and Mastercard network tokens.

Roadmap

Card Issuing

Virtual and physical cards under your brand. Instant issuance. AI spend controls.

AI spend controls
Coverage

Built for all of MEA.
Proving it market by market.

emerafi is designed for every market across the Middle East and Africa — the compliance layer, the rails, the AI.

54+
Markets across MEA
7
Live today
5
Days to go live
Live and operational
UAE
Saudi Arabia
Ghana
Rwanda
Liberia
Sierra Leone
Sao Tomé
Expanding next
Nigeria
Kenya
Egypt
South Africa
Morocco
+ 49 more
Infrastructure challenges we solve

Intermittent connectivity

AI-powered retry and offline-resilient queuing. Transactions complete even when the network doesn't.

Rail fragmentation

54+ market integrations maintained for you. One API, all rails, always current.

Regulatory complexity

AI monitors every central bank we operate under. Compliance auto-updates. You stay legal.

Identity gaps

KYC for people without formal addresses or Western-style documents. Built for inclusion.

Live on the OS

Powering financial products across MEA.

Real products. Real markets. Built and launched on emerafi.

PS
PayShift
Payin · UAE
Live
TP
TotalPay
Payin · KSA
Live
PM
PayMatic
Payin · UAE
Live
GT
GTIPAY
Payin, Payout, Wallet · Africa
Live
SP
SaoPay
Payin, Payout, Wallet · Liberia
Live
SW
SaoWallet
Payout, Wallet · Sao Tomé
Live
SS
SaoSend
Payout, Wallet · Ghana
Live

5 days from now,
you could be live.

Talk to a solutions architect who has shipped financial products in your market.

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Platform

Modular. AI-native.
One integration.

Every module shares one API, one compliance layer, one AI brain. Pick what you need now. Add more as you grow.

Live

Core Payments

Every rail in MEA through one integration. AI selects the optimal rail for every transaction in real time.

  • Visa, Mastercard, Mada, Verve card acquiring
  • Mobile money: M-Pesa, MTN, Airtel, OPay, Orange
  • Local schemes: NIP, RTP, FAST, eFTS, Fawry
  • USSD and offline-resilient payment flows
  • 30+ currency settlement
  • AI smart routing — optimal rail per transaction
  • AI failure prediction — retries before failure
  • Real-time webhooks and reconciliation
Talk to Sales
99.95%
Uptime SLA
<180ms
API Latency
+8.4%
AI routing lift
// POST /v1/payments { "amount": 12400, "currency": "RWF", "routing": "ai_optimised" } // 200 OK · 144ms { "id": "pay_9xKm3Pq", "status": "authorized", "rail": "uaefts", "ai_selection": "highest success · current network" }
LiveAI-native

Digital Wallets

Issue branded multi-currency wallets without building ledger infrastructure. AI fraud monitoring built in from day one.

  • Multi-currency ledger, real-time balance
  • P2P transfers with configurable limits
  • Top-up via bank, card, or mobile money
  • Shariah-compliant wallet options
  • AI spend anomaly detection
  • Adaptive velocity controls
  • ISO 20022 messaging
Talk to Sales
Real-time
Settlement
30+
Currencies
// POST /v1/wallets { "owner_id": "usr_a8K2", "currency": "RWF", "fraud_model": "rw_consumer_v2" } // 201 Created { "wallet_id": "wlt_7pNqRx", "ai_protection": "active" }
Live

Payouts

Send instantly or in bulk to bank accounts, mobile wallets, and cards across 54+ countries. AI AML screening on every payout.

  • Instant and scheduled bulk payouts
  • Bank, card, and mobile money destinations
  • FX at interbank rates, transparent fees
  • AI AML screening <200ms per payout
  • Smart timing — routes around peak congestion
  • Configurable approval workflows
Talk to Sales
54+
Countries
<60s
Delivery
// POST /v1/payouts/bulk { "payouts": [{ "amount": 2500, "currency": "RWF", "destination": { "type": "mpesa" } }], "aml_check": "ai_realtime" } // 202 Accepted · AI screening passed
LiveAI-native

KYC & Identity

AI verification trained on MEA document types and local fraud. 4-second decisions. Works for users without formal addresses.

  • 30+ MEA document types supported
  • AI OCR trained on regional documents
  • Liveness detection and face match
  • Alternative identity signals for thin-file customers
  • Sanctions, PEP, and adverse media screening
  • AI risk scoring with tiered flows
  • Jurisdiction-specific regulatory exports
Talk to Sales
4.2s
Avg. decision
98.4%
Accuracy
30+
ID types
// POST /v1/kyc/verifications { "user_id": "usr_xP9q", "country": "GH", "model": "ai_mea_v4", "documents": ["emirates_id"] } // 200 · 4.1s { "status": "approved", "confidence": 0.97 }
LiveAI-native

Fraud Management

Trained on MEA fraud patterns — not Western datasets. Understands SIM swaps, mobile money scams, and agent network fraud.

  • ML models trained on MEA fraud patterns
  • SIM swap and mobile account takeover detection
  • Device fingerprinting and behavioural biometrics
  • No-code velocity rules
  • Dispute and chargeback management
  • Continuous retraining — adapts to new attacks
Talk to Sales
<60ms
Score latency
<0.3%
False positives
// Embedded in payment response { "fraud": { "score": 9, "risk": "low", "model": "sl_mobile_v2", "signals": ["known_device"], "action": "allow" } }
LiveAI-native

Compliance AI

The compliance layer that maintains itself. Monitors 54+ central banks, auto-updates rules, and keeps PCI DSS current — continuously.

  • Real-time regulatory monitoring — 54+ jurisdictions
  • Auto-update rules within 24h of any directive
  • Continuous PCI DSS certification — no manual audits
  • In-region data hosting for sovereignty compliance
  • AML thresholds auto-adjust per regulation
  • Audit trail and regulatory reporting exports
Talk to Sales
<24h
Update lag
PCI L1
Continuous
// GET /v1/compliance/status { "AE": { "status": "compliant", "last_update": "2h ago", "source": "CBUAE circular 2025-04" }, "pci_dss": { "certified": true, "mode": "continuous" } }
Roadmap

Tokenization

PCI DSS Level 1 card vault. Your platform never touches raw card data. AI-maintained compliance posture.

  • Visa Token Service and Mastercard MDES
  • PAN vaulting with format-preserving encryption
  • Continuous PCI DSS certification
  • Cross-channel token portability
Join Waitlist
PCI L1
Vault standard
VTS+MDES
Network tokens
// POST /v1/tokens { "type": "card", "card": { "number": "4111..." } } // 201 — PAN never stored { "token": "tok_aK3pQr7", "pci_certified": true }
Roadmap

Card Issuing

Issue virtual and physical cards under your own brand. AI-powered spend controls and real-time decisioning.

  • Virtual and physical Visa / Mastercard / Verve
  • Prepaid, debit, and corporate programmes
  • Shariah-compliant prepaid options
  • AI spend controls and category intelligence
  • Apple Pay and Google Pay provisioning
Join Waitlist
Virtual
Instant issue
BIN
Sponsorship
// POST /v1/cards { "holder_id": "cust_3Pq", "type": "virtual", "network": "verve", "controls": { "mode": "ai_adaptive" } } // 201 — card ready immediately

Ready to go live in 5 days?

A solutions architect will walk you through a sandbox tailored to your market.

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About emerafi

We built the Payment OS we needed when we were building fintech across APAC and the Middle East.

emerafi was founded by payments engineers and fintech operators who spent years building financial products in markets where the infrastructure fights you at every step. Unreliable rails. Regulations that changed without notice. KYC systems designed for Europe that rejected half the population.

We set out to solve that problem at the infrastructure layer — for the entire MEA corridor. And we knew the only way to make it work at scale was to build AI-native from day one, not bolt AI on later.

The world's fastest-growing financial populations deserve world-class infrastructure. We are building the Payment OS that makes that possible — starting with markets others call too hard, because those are the ones that matter most.

Principles

What we stand for.

01

Emerging markets first

Not an afterthought. Not a modified Western product. Built from the ground up for markets where infrastructure is the product.

02

AI as infrastructure

AI isn't a feature we ship. It's the reason the platform works — compliance, routing, fraud, and identity all depend on it.

03

5 days is a moral position

Every day a fintech can't launch is a day millions of people go underserved. We compress the timeline because speed matters.

04

Reliability is the product

In markets with unreliable infrastructure, we hold ourselves to power-grid standards. Not just uptime — intelligent resilience.

Leadership

The team.

Abhishek

Founder & CEO · IIT Bombay
Ex-PayPal, Uber, Grab, GoJek, Ingenico
15+ years in payments across APAC & MEA

Shravan

Head of Product
Ex-SimpliFi, Wells Fargo, Intel Security
Payments, Cards & Embedded Finance

Golu

Technical Lead
Ex-ULIS Fintech, Nice Software
5+ years in fintech platform engineering

Uttam

Software Engineer
Backend & API Architecture
Node.js · Microservices · FinTech

Building the financial OS
for the next billion.

Hiring engineers, compliance leads, and market specialists across Lagos, Cairo, and Dubai.

Get in Touch View Careers
Contact

Let's get you live in 5 days.

Tell us what you're building and which markets you're targeting. Our solutions team will come back with sandbox access, a timeline, and a launch plan.

Developer Docs

https://uat-api.emerafi.co

Offices

DIFC, Dubai, UAE

Create your account

✓

You're on the list.

Our team will reach out within one business day with sandbox access and a launch plan.