Product

Business cross-border payments platform

A web app for moving your own company money between countries — payroll, imports and exports, and treasury — without pre-funding an account in every market.

0.8%

Fees starting at

~1 min

Typical settlement

$0

Float required

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ZAR South Africa

NGN Nigeria

KES Kenya

GBP United Kingdom

EUR Europe

USDT Tether

BTC Lightning

Soon Brazil

Soon United States

Soon Malawi

Soon Zimbabwe

Who is the business payments platform for?

This is the platform for a business that needs to move its own funds internationally. Paying staff and contractors in another country, settling with overseas suppliers, shifting money between your own accounts in different markets — the money is yours throughout, and the problem is the rails rather than the relationship.

Traditional international transfers route through a chain of correspondent banks. Each one takes a fee and adds a delay, and you usually cannot pay into a market at all until you have funded an account there and left the money sitting. Add a second market and you fund a second account. The cost of operating internationally becomes the capital you are not using.

Djingr settles over the Bitcoin Lightning Network instead, which is why transfers take about a minute rather than several days, and why there is no account to pre-fund anywhere. By default money leaves your account as fiat and arrives as fiat, with nothing for you to hold — though you can fund or receive in Bitcoin or USDT if you prefer.

Global payroll in practice: a finance manager releasing international staff payments while a colleague in another market receives one on their phone moments later.

Built for

Three jobs, one platform

Most businesses arrive with one of these and stay for the others.

Payroll

Pay salaried staff and contractors in their own currency, on the day you run payroll rather than several days afterwards.

Import and export

Settle with overseas suppliers quickly enough that payment terms stop being a negotiating point, and get paid by buyers just as fast.

Treasury

Move money between your own accounts across markets without leaving working capital parked in each one.

What does removing pre-funding actually change?

Pre-funded float is money you own but cannot use. It sits in a destination account so payouts can clear, and it scales with the number of markets you operate in rather than the volume you send.

Removing it changes two things. The obvious one is that the capital returns to your business. The less obvious one is that adding a market stops being a funding decision — you are no longer choosing which countries are worth tying up money in.

Settlement is live between South Africa, Nigeria, Kenya, the United Kingdom and Europe, plus Tether and Lightning. Fees start at 0.8% and vary by route, with no platform fees and no monthly minimums.

FAQ

Common questions

Who is this platform for?

It is for businesses moving their own funds: paying staff and contractors abroad, settling with overseas suppliers, and moving money between the company’s own accounts in different countries. If you are moving money on behalf of your customers, the whitelabel platform is the better fit.

Do we need to hold funds in each destination country?

No. Value moves at the moment of the transaction over the Lightning Network, so there is no float to maintain in any market and no working capital tied up per corridor.

Do we need developers to use it?

No. The platform is used through a browser and needs no integration work. If you would rather your own systems trigger payments directly, the same infrastructure is available as an API.

Do we have to touch Bitcoin or USDT?

No. The default flow is fiat in, fiat out, with Bitcoin Lightning as the rail underneath and nothing for your finance team to hold or handle. If you would rather fund payments from a Bitcoin or USDT balance, that is supported as well.

Which currencies can we send and receive?

ZAR, NGN, KES, GBP, EUR, USDT and Bitcoin over Lightning, with settlement live across South Africa, Nigeria, Kenya, the United Kingdom and Europe.

Is this suitable for a regulated business?

Djingr is built for licensed institutions and adheres to local financial regulations in the markets where it operates.