Cross-border invoicing & payments for flexible
teams
Split, combine, and settle multiple invoices instantly ☑️
Multi-party invoicing & cross-border payments for flexible teams ☑️
Built for agencies, freelancers, contractors & subcontractors. ☑️
We’re backed by
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For Independent Talent
Collaborate, subcontract, pay & get paid - instantly.
A radically simpler way to track and get paid for your time. Receive international payments quickly and affordably by leveraging Rafiki's digital wallets and stablecoin invoicing software. Collaborate on & subcontract projects quickly and compliantly with automated KYC & KYB.
Think Splitwise meets Slack.
Split-bills & consolidate multiple team member payments into one client-facing invoice & one instant transaction. A ridiculously fast and intuitive way to automatically convert billable work into invoices, and make instant payments across flexible teams.
Instant, feeless transactions via stablecoin wallets.
Send and receive payments instantly, across borders, with no hidden fees. Whether you're sending money home, getting paid, or working with other freelancers or agencies, you can send and receive as much as you want each month for a flat fee. International on & off ramping from as little as 0.2%.
Expert Support & Benefits
Access Rafiki’s Experts in Residence for fractional support, embedded into the OS. Become a listed Expert for startup and agency deal flow. Give your flexible, global team access to wellness benefits in over 130 countries.
For Businesses
Split, combine, and pay multiple invoices at once.
A fast and affordable solution for onboarding, verifying, and paying flexible teams of freelancers, contractors, subcontractors, and other businesses. Across borders, currencies, individuals and businesses.
Instant transactions across borders.
Instant, fee-less transactions via stablecoin wallets. Standardise billing, eliminate delays, and safeguard currency volatility across flexible, distributed teams.
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.
Benefits for flexible teams
Don't stop at better payments, offer your flexible team access to health & wellness benefits in over 130 countries.
One-Click Multi-Payment Routing
Pay multiple contractors across borders or currencies in a single transaction, significantly reducing admin, human error, and costs.
Why Independents & Businesses Choose Rafiki
"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 Olsen
Agency Founder
"Just received the payment into my bank account, it literally took 1 min. Really delivered on the promise of "Instant" payments!"
Paul Loots
Product Designer
"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 Beddows
Graphic & Illustration Design
“Rafiki has done a great job building out our brand, website and booking engine integration. Their team are super knowledgeable and helped us come to quick and well thought out product decisions that lead to us launching our first product in weeks rather than months”
Nicolas Beterette
Co founder & CEO | Onzite
"We were very impressed at the quality and speed of Rafiki's work and I'm really looking forward to continuing the relationship."
Ryan Beangstrom
Co Founder | Verdant Data
"Working with Rafiki has been great. Excellent and proactive, catering extremely well to our schedule and requests. We really enjoyed working with them and we couldn’t recommend them more highly."
Niccolo Pantucci
Lead Agent
"I am beyond thrilled with the exceptional work and partnership we’ve experienced with Rafiki Works in creating our new corporate CI and website. The results have far exceeded our expectations, and I am excited about the future projects we will undoubtedly embark on together. Thank you for making this a truly outstanding experience!"
Nicolas Mack
Founder
"From the initial brief all the way through to project handover, our experience with Rafiki has been excellent. Their fractional freelancer model is clear, seamless and effective, and we look forward to continuing the working relationship."
Brett Matheson
Co-Founder and Director of Operations | Metavolve
"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 Murakata
Software Engineer
"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 Joubert
Graphic Design & Creative Strategist
"It was such a pleasure working with Rafiki Works. Their communication was clear and open at all stages of the project and the whole process was efficient. Was a lovely experience all round!"
Sinéad Donnelly
Creative Director
"Rafiki is an excellent platform that connects and supports freelancers. Collaborating with them has been really easy and delightful experience."
Jackie Zhang
Product Designer
"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 Nash
Creative Strategist & Agency Owner
"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 Lun
Senior Webflow Developer
"Rafiki’s advocacy for growth opportunities for freelancers in Africa was evident during my work with the team. I absolutely loved how contract procedures were transparent and effectively handled. It was a walk in the park for me!"
Aisosa Obasohan
Senior Product Designer
FAQs
Everything you need to know about using Rafiki's payments, collaboration, and subcontracting software for independent talent and flexible workforces.
Rafiki provides instant payments, collaboration, and subcontracting software for fractional talent and flexible workforces. Rafiki is split between 2 core pillars:
1. Rafiki OS: A standalone SaaS with embedded FinTech focussed on variable payments for flexible teams. The platform leverages Open Banking, Stablecoins, and various other Crypto and Mobile Money mechanisms to make billing, payments and smart invoicing fast and affordable. Rafiki OS can be used in 130+ countries around the world to KYC, KYB, bill, and make cross-border payments.
2. Rafiki Talent Services: Mid-senior freelance and fractional talent support for the professional services, specifically digital and technical skillsets. Our community of senior talent between Africa, the UK and Netherlands, are vetted and verified, and can be engaged directly or project managed by Rafiki's in-house management team. Rafiki Talent Services offers Contractor of Record (CoR) and Employer of Record (EoR), as well as benefits for teams of contract workers and freelancers, in over 130 countries globally. All Rafiki Talent Services are managed via Rafiki OS.
Rafiki is purpose built for variable payments across flexible teams. We leverage Open Banking with Stablecoin payments, automated compliance, and embedded fractional specialists to create an all-in-one destination for onboarding, managing and paying flexible teams.
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.
We take a 3 stage approach to vetting talent. Following an application, we invite top prospects for an interview, assessing skills, experience, and career aspirations. We prioritise skill over traditional degrees, work experience, and cross-check with any testimonials available to accept expert, high-intent talent. To date, we have accepted ~3% of applications into our 'Experts In Residence' programme.
Rafiki is for independent talent and companies working with this talent globally.
Freelancers, consultants, fractional professionals, small & independent agency owners, founders, startups, and SMBs. We've made onboarding, verifying, billing and payments easy for contract workers, freelancers, teams of independents, and any businesses or agencies managing and paying these independents.
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