Run projects, people and payments in one clean flow
Onboard your team, verify anyone you work with, collect pay-ins, hold funds in wallets, and payout to multiple people or entities with automated routing. Time becomes tidy invoices. Invoices settle fast.
Invite people and businesses, then set them up in minutes
Smart invites
Send invites to individuals, vendors or client teams. Collect names, roles, tax details and payout preferences at the start.
Roles and permissions
Assign who can approve scopes, sign off milestones, view wallets or authorise payouts.
Reusable profiles
Profiles travel across projects so you onboard once and reuse. Documents and verification status carry forward.
Control access, track approvals and keep a clean audit trail
Access controls
Fine grained permissions for project, billing and payout actions.
Approval chains
Create sequential or parallel approvals for scopes and payouts.
Audit and activity
Every change is recorded with time, actor and reason. Export activity for clients or finance.
Verify any individual, business or vendor inside your workflow
Embedded KYC
Collect identity documents and liveness checks for individuals. Verification status appears in project rosters and payout screens.
Embedded KYB
Capture company documents, directors and beneficial owners. Store results securely with access controls.
Reusable credentials
Once verified, a profile can be reused for future projects subject to refresh cycles and local requirements.
Collect project funds the way clients prefer
| Method | Typical speed | Notes on cost |
|---|---|---|
| Card | Instant authorisation | Processing fees apply. Good for smaller amounts and quick starts. |
| Bank transfer | Same day to two business days | Lower fees, ideal for larger invoices. Speed depends on rail and cut-offs. |
| Stablecoin | Minutes, subject to network finality | Low network fee. Works well for global clients with crypto treasury. |
Exact pricing and settlement depend on corridor, compliance checks and local banking cut-offs. Quotes are shown before you confirm.
Hold and move funds with clarity
Project wallets
Each project has a wallet for incoming funds and payouts. Keep cash in one place per scope.
Internal transfers
Move funds between project wallets with a short approval. Keep a clean trail for finance.
Reconciliation
Automated matching of pay-ins, payouts and invoices. Export statements for bookkeeping.
Fast, predictable payouts with transparent costs
Wallet to wallet
Transfers settle within minutes once the network confirms. Network fees are usually low.
Fiat to bank accounts
Same day to two business days is typical depending on destination, checks and cut-offs. Rail fees vary by country and method. You see a clear quote in app before you send.
Cost controls
Batch multiple payouts in one go, avoid repeated fees and choose the cheapest viable rail per recipient.
Split payments by role, percentage, amount or milestone
Route by role
Assign a share to design, engineering, strategy or any custom role.
Route by milestone
Link payouts to delivery. Trigger with approvals, not manual messages.
Entities and individuals
Pay registered companies, contractors or collectives in one batch. Keep each recipient compliant with their own verification status.
Put rules in charge so money goes to the right place
Rules and fallbacks
Primary route per recipient with fallbacks if a rail is unavailable. No stalled payouts.
Variance guardrails
Flag if a payout deviates from scope, rate or time. Require a second approval when off-track.
Notifications
Everyone sees what was paid, when and why. Reduce status updates and ad-hoc chasers.
Keep scope, people, money and links in one tidy place
Scopes and milestones
Break work into milestones with owners and due dates. Link payouts to approvals.
Roster
Add people, vendors and client approvers. See verification status, rate cards and payout preference at a glance.
Activity and health
One feed for approvals, invoices and payouts. Spot blockers early.
From timesheets to invoices to fast settlement
Timesheets that do not get in the way
Track time by role and milestone. Approvals roll up every month without manual formatting.
Standalone invoices
Generate branded invoices per contributor or vendor. Each invoice carries the correct legal details and tax notes.
Merged and centralised invoices
Create a single central invoice that covers many contributors. Clients pay once, your routing handles the rest.
Link important documents and tools into a project
Simple links
Pin URLs to contracts, briefs and dashboards so the team never digs through emails.
Future storage
Soon you will upload contracts and statements directly into a project, either project wide or per person or business.
Permissions
Bookmarks inherit project permissions so only the right people see sensitive files.
Future features on our roadmap
Predictive cash flow
Cash flow forecasts at project and portfolio level based on scopes, approvals and historic behaviour.
Micro-loans from invoice tokenisation
Access short-term working capital against approved invoices. Tokenised invoices enable faster decisions.
Stablecoin cards
Spend from your balance with virtual and physical cards. Useful for teams that prefer wallet based flows.
Chat integrations
Trigger billing, invoicing and payouts from Slack, WhatsApp or GPT powered assistants with audit trails.
Good to know
How fast are payouts?
Wallet to wallet settles within minutes once the network confirms. Fiat payouts typically arrive the same day or within two business days depending on the corridor, checks and banking cut-offs.
What do payouts cost?
Stablecoin transfers usually have a small network fee plus a platform fee. Fiat payouts include rail fees that vary by corridor and method. You see a clear quote before you confirm.
Payment costs and transfer times by method
| Method or corridor | Typical settlement window | Cost notes |
|---|---|---|
| Wallet ↔ Wallet (USDC) | Minutes after network finality | Low network fee plus small platform fee. |
| USD → ZAR | Same day to 2 business days | Corridor rail fee shown in app before you send. |
| GBP → ZAR | Same day to 2 business days | Corridor rail fee shown in app before you send. |
| EUR → ZAR | 1 to 2 business days | Corridor rail fee shown in app before you send. |
| USD → USD (domestic) | Same day | Rail fee varies by method. Quote shown before confirmation. |
| GBP → GBP (domestic) | Instant to same day | Faster rails where available. Quote shown before confirmation. |
| EUR → EUR (SEPA) | Same or next business day | SEPA timing applies. Quote shown before confirmation. |
Exact pricing depends on amount, destination, compliance checks and banking cut-offs. Your final quote is displayed in the app prior to approval.
Ready to simplify projects and payouts?
Speak to us for tailored corridors and pricing, then run your first project with clean approvals and faster settlement.
Join our journey
Join the network of top agencies and startups leveraging Rafiki OS. Get access to Rafiki's talent community of freelancers and fractional specialists.