AI-Native · Multi-Currency · Mobile Money

Pay anyone. Any currency. Just say when.

Schedule payments, send to contacts, top-up your wallet, withdraw to GHS, KES, or TZS — all through a conversation with AI.

$0B Africa Mobile Money TAM by 2034
0% Market CAGR (2026–2034)
0+ Supported currencies at launch
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12,847 payments processed · Last: 200 GHS → KES · 3s ago

See how it
feels.

Type a payment command below — no account needed.

Hi! Try a command like "Send 100 GHS to Kwame" or "Top up 50 USDC"

One conversation.
Every payment.

Schedule, send, top-up, and withdraw — across mobile money, bank, and blockchain rails.

Schedule Payments

Set recurring payments or future-dated transfers. "Pay my rent 500 GHS every 1st of the month" — AXLE handles the rest.

Rent — 500 GHS Monthly
Savings — 200 GHS Weekly
Mom — 100 KES Bi-weekly

Send to Contacts

"Send 50 GHS to Kwame" — pay anyone in your contacts via MoMo, bank transfer, or wallet address.

Top-Up Onchain

Fund your wallet from mobile money or bank. "Top up 200 cedis" — USDC arrives in seconds.

Withdraw to Local Currency

Cash out USDC to GHS, KES, or TZS. Straight to your mobile money or bank account.

All Payment Channels

MTN MoMo, Telecel Cash, AirtelTigo, M-Pesa, bank transfer — one interface for all rails.

AI That Understands You

Speak naturally. "Pay Ama her usual" — AI remembers your contacts, amounts, and preferences.

Supported Currencies

GHS
KES
TZS
USDC
NGN
UGX

How much are fees
costing you?

2,000 GHS
Traditional (banks + agents)
160 GHS/mo
~8% in fees
With AXLE
30 GHS/mo
1.5% fee
You save 1,560 GHS per year with AXLE

Payroll. Vendors.
Cross-border.

One AI interface for all your payment operations. No dashboards, no CSV uploads.

Cross-Border Settlements

GHS → USDC → KES/TZS. Settle across African corridors in seconds, not days.

Traditional: 3-5 days, 8% fees vs AXLE: 5 seconds, 1.5% fees

Scheduled Payroll

"Pay all staff on the 25th every month" — automated, multi-currency, with confirmation receipts.

API & Webhooks

RESTful API for programmatic access. Real-time webhooks for payment status. SDKs coming Q3.

POST /v1/payments/schedule

The largest untapped
payment market.

Africa processed $2 trillion in digital payments in 2024. We're building the AI-native rails for the next wave.

75%

Unbanked Adults

Sub-Saharan Africa — our addressable users

92%

Mobile Penetration

Ghana mobile subscription rate

25%

CAGR

Africa mobile money market growth

Revenue Model

Transaction Spread5.0%
Processing Fee1.5%
Scheduled Payment Fee0.5%
Business API (SaaS)Monthly

6.5%+ blended take rate · Revenue from day one · Multi-stream monetization

Competitive Moat

AI-Native UX

Natural language removes all friction. 47% higher engagement than form-based apps.

5-Second Settlement

Stellar finality vs 3-5 days traditional. Instant cross-border on the fastest chain.

Mobile-First Africa

Direct MoMo integration. No bank needed. Serving the 75% that legacy fintech ignores.

Zero-Cost Onboarding

Sponsored wallets = $0 CAC friction. Users transact immediately, no gas or deposits.

From words to
money moved.

See how a single message becomes a completed payment across borders.

01

Tell AXLE what you need

"Send 200 KES to Amina every Friday" or "Top up 50 cedis to my wallet"

02

Confirm with a tap

AI shows the rate, fees, and recipient. You approve — or adjust with another message.

03

Money arrives instantly

Settled on Stellar in under 5 seconds. Recipient gets MoMo, bank credit, or USDC — their choice.

AXLE Online
Send 500 GHS to Kwame on MTN every month
Setting up recurring payment:
To: Kwame (024•••••89) · MTN MoMo
Amount: 500 GHS/month
Next: July 1, 2026
Fee: 7.50 GHS per transfer

Confirm to activate schedule?
Yes, confirm
Scheduled! 500 GHS → Kwame on the 1st of every month. You'll get a confirmation each time it sends. Say "pause" or "cancel" anytime.

Try saying...

"Top up 100 cedis"
"Send 20 USDC to 0x3f..."
"Withdraw 5000 TZS to M-Pesa"
"Pay rent every 1st"
"How much KES is 10 USDC?"
"Cancel my savings schedule"

Help shape the Index

Want your business on the Index, or wish your agent could do something it can't yet? Every request helps decide what we build next.