Rafiki OS vs International Bank Transfers
A faster, smarter way to move money across borders and teams.
Traditional international bank transfers are slow, expensive and built for a world of one-to-one payments. They rely on SWIFT intermediaries, hidden FX spreads and multi-day settlements. For agencies, freelancers and global teams, this is outdated and inefficient.
Rafiki OS is a modern alternative built for multi-party projects, instant settlement and transparent blended fees between 0.2 % and 1.6 % end-to-end.
Quick Comparison
| Category | Rafiki OS | International Bank Transfers |
|---|---|---|
| Transfer type | Local and stablecoin rails (USDC, ZAR, EUR, GBP, USD) | SWIFT network using intermediary banks |
| Speed | Instant to 24 hours on most routes | 3 to 5 business days |
| Fees | 0.2 % – 1.6 % blended end-to-end depending on currency corridor | 3 % to 7 % including FX spread and intermediary fees |
| Automation | Automatic invoice creation and routing | Manual setup and tracking |
| Multi-party settlement | Yes, supports agencies, contractors and subcontractors | No, single beneficiary only |
| Transparency | Full fee and arrival visibility before sending | Opaque pricing and unclear timelines |
Speed and Cost
Over 80 % of Rafiki OS payments settle within minutes and nearly all within 24 hours. Blended fees range between 0.2 % and 1.6 %, usually 50 to 70 % cheaper than banks. Every transfer is fully transparent with rates and timings shown before confirming.
Multi-Party Payments
Rafiki OS is designed for real project workflows where multiple collaborators work across borders. A client in the United Kingdom can pay a South African agency that automatically pays several subcontractors in different currencies. Invoices are created, routed and settled in one seamless process.
Safety and Compliance
Rafiki OS connects with regulated partners across the United Kingdom, European Union, South Africa and the United States. All transactions are KYC and KYB verified, safeguarded by licensed custodians and recorded transparently on ledger.
FAQs
What are Rafiki OS fees compared to banks?
Between 0.2 % and 1.6 %, depending on corridor. This is far below the 3 to 7 % charged by banks.
How fast are transfers?
Most payments settle instantly or within 24 hours, even across different countries.
Who can use Rafiki OS?
Agencies, independents and businesses that collaborate and settle projects internationally.
