The financial operating system for flexible
teams
Split work and payments across people, currencies, and companies. Rafiki automates invoicing, KYC and compliant cross-border payouts so projects settle in minutes, not weeks.
We’re backed by
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For Businesses
Split, combine, and pay multiple invoices at once.
Pay one invoice or ten in a single flow. Onboard, verify and pay flexible teams across borders without the banking headaches.
Instant transactions across borders.
Instant, fee-less transactions via stablecoin wallets. Standardise billing, eliminate delays, and safeguard currency volatility across flexible, distributed teams. Pay-outs into fiat bank accounts within 60 seconds.
Stay Compliant
Built-in Know Your Customer (KYC) & KYB verification ensures compliance, alongside Employer of Record (EOR) or Contractor of Record (COR) in 130+ countries.
Expert Support On-Demand
Get specialised hands-on support from Rafiki’s Fractional Experts in Residence.
Collaboration made simple
Create a project. Add freelancers, partner agencies, and internal staff. Convert tasks and time into one invoice or many, with splits handled automatically.
Multi-Party Payment Routing
Pay once. Rafiki routes funds to every person and entity, then updates status in real time. Multiple contractors or businesses across borders in a single transaction, significantly reducing admin, human error, and costs.
For Independent Talent
Track time, split work, invoice clients, and get paid instantly.
A radically simpler way to track and get paid for your time. Receive international payments within 60 seconds, or make instant wallet-to-wallet payments between subcontractors.
Think Splitwise meets Slack.
Rafiki combines team collaboration, invoicing, and instant settlements into one unified OS. Convert projects into invoices, split payments automatically, and pay your global team in seconds, all from one interface.
Instant, borderless payments.
Stablecoin wallets with zero fees and on/off ramps in 10+ currencies. Access your own USD digital wallets, and convert into local currencies for as little as 0.2% within minutes.
Expert Support & Benefits
Collaborate with vetted freelancers, agencies, and clients across Rafiki’s growing community. Unlock global benefits for flexible teams.
Trusted by agencies and startups across the UK, EU, US and Africa.
"Working with Rafiki Works has been an absolute pleasure. I’ve always appreciated their open and clear communication. Their passion for freelancers in Africa is genuine. A lot to look forward to with joining their team!"
Daniel
Agency Owner | South Africa
"Rafiki works with the cream of the crop. They are perfectly positioned to match innovative clients with the best developers in South Africa. Thanks you!"
Anesu
Software Engineer | South Africa
"Just received the payment into my bank account, it literally took 1 min. Really delivered on the promise of "Instant" payments!"
Paul
Product Designer | South Africa
"We've been using Rafiki OS for a few months now, and it's genuinely made subcontracting work super easy. The invoicing logic is epic for my team's billable work, and convenient for me when managing cross-border client and internal payments across my team."
Jordan
Agency Founder | South Africa
"Really impressed with the speed and efficiency at which these guys have managed to process international transfers, all managed through the platform. I trialed a USD to ZAR transfer and the money was in my account in minutes. Absolute game changer!"
Sarah
Graphic & Illustration Design | South Africa
"It’s great working with such a talented and energetic team. From our first chat to the first project, everything about RafikWorks, works. I’ve really enjoyed the experience, and love the exposure to global clients."
Dan
Agency Owner | South Africa
"I’ve had the pleasure of working alongside the Rafiki team from day one. From concept to execution, every project has been efficiently managed and thoroughly enjoyable. Greg and Nick have built something really special here."
Kath
Creative Strategist | South Africa
"Rafiki is an excellent platform that connects and supports freelancers. Collaborating with them has been really easy and delightful experience."
Jackie
Product Designer | South Africa
FAQs
Everything you need to know about using Rafiki's payments, invoicing, and subcontracting software.
Rafiki is a financial operating system for flexible teams. It automates invoicing, KYC/KYB, and cross-border payments, helping freelancers, agencies, and startups collaborate and settle projects instantly through stablecoin and open-banking rails. Rafiki also connects founders and agencies to vetted fractional and specialist agency talent, designers, developers, marketers, and strategists, through Rafiki Talent Services. Every engagement runs through the Rafiki OS for verified compliance, contracts, and instant settlements.
Agencies can instantly pay subcontractors, split project revenue, and issue multi-currency invoices in one flow. Freelancers get paid faster, save on fees, and can form “pop-up” teams for larger projects without extra admin. It’s like a collaboration layer built into your payments stack.
Unlike traditional payroll or freelance platforms, Rafiki combines multi-party invoicing, instant payments, and compliance into one platform. You control your own client and talent relationships, while Rafiki automates everything between, from KYC to payment settlement. Rafiki is purpose built around project teams, collaboration, and simplifying payments for flexible teams through intelligent invoice routing.
Payment Flows Overview: Countries, Costs, Processing Times, and Cut-Offs
Deposits (Pay-ins / Onramps)
- Payment in EU (EUR)
- Fee: €0.50 + 1.00%
- Processing: T+0 (Instant)
- Availability: 24/7
- Method: SEPA / SEPA Instant
- Payments in USA (USD)
- Fee: $0.00 + 0.20%
- Processing: T+1 (ACH) / T+0 (Wire)
- Cut-off: 4 pm ET (Wire)
- Method: ACH / Fedwire
- GBP (United Kingdom)
- Fee: ~2% per transaction
- Processing: T+0 (Instant)
- Availability: 24/7
- Method: Faster Payments
- USDC / USDT (Crypto)
- Fee: $0.00 + 0.00%
- Processing: Instant
- Availability: N/A
- Method: Blockchain
Withdrawals (Payouts / Offramps)
- EU (EUR)
- Fee: $1.00 + 0.60%
- Processing: T+0 (Instant)
- Availability: 24/7
- Method: SEPA
- South Africa (ZAR)
- Fee: $1.50 + 1.40%
- Processing: T+0
- Cut-off: 15:00 GMT
- Method: Local
- USA (USD)
- Fee: $0.50 + 0.50%
- Processing: T+0 (Wire) / T+1 (ACH)
- Cut-off: 4 pm ET (Wire)
- Method: Fedwire / ACH
- Argentina (ARS)
- Fee: $0.00
- FX Fee: 0.50%
- Processing: Instant
- Cut-off: 24/7
- Method: Local
- Brazil (BRL)
- Fee: $0.25
- FX Fee: 1.30% (incl. IOF)
- Processing: Instant
- Cut-off: 24/7
- Method: Local
- Chile (CLP)
- Fee: $1.20
- FX Fee: 0.95%
- Processing: Instant
- Cut-off: 214:15 GMT
- Method: Local
- Colombia (COP)
- Fee: $0.35
- FX Fee: 0.95% (incl. GMF)
- Processing: T+0 / (T+1 Nu Bank)
- Cut-off: 15:20 GMT
- Method: Local
- USDT (Crypto)
- Additional withdrawal fee: 0.10%
Please Note:
- We also cover various other countries within Africa.
- Should your desired country not be listed above, please reach out. We are constantly rolling out additional on/off ramping abilities within various crypto, fiat, and mobile money markets.
Rafiki connects founders and agencies to vetted fractional and specialist agency talent, designers, developers, marketers, and strategists, through Rafiki Talent Services. Every engagement runs through the Rafiki OS for verified compliance, contracts, and instant settlements.
Rafiki’s blended transaction fees range from 0.2% to 1.4%, making it up to 80% cheaper than banks or generic freelancer platforms. There are no hidden FX mark-ups, and wallet-to-wallet transfers are free.
Teams using Rafiki report spending up to 50% less time on admin. Multi-party billing, KYC, and payments are handled automatically, so you can focus on real work, not chasing bills, invoices and follow-ups.
Agencies and SMBs using Rafiki report up to 80% lower transfer fees, instant settlements, and zero payment errors across distributed teams. For freelancers, it means getting paid in minutes instead of waiting days.
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