One Platform, Endless Possibilities
Rafiki powers flexible workforces with global payments & smart invoicing. For project-based teams, agencies, consultants, and subcontractors across multiple industries.
Freelancers & Solopreneurs
Build your business, your way.
Easily subcontract, manage payments, and progress your career without the risk of full-time hires. Need the right talent, or complementary skill-sets so you can close that large client? We’ll connect you to skilled professionals for your clients, ensuring seamless collaboration.
SMBs
Effortless contractor payments & flexible workforce solutions.
Pay multiple freelancers, contractors, or specialists in one automated, smart transaction. Vet talent with KYC/KYB verification or tap into Rafiki’s pre-vetted fractional workforce. Move fast, stay lean, and execute like a high-growth startup.
Consultancies
Don’t just consult—execute.
Increase your impact (and earnings) by offering hands-on execution alongside strategy. Rafiki makes it easy to subcontract and assemble expert teams, giving clients both insights and results.
Agencies
Seamless payments & on-demand talent.
Automate KYC/KYB and contractor payments in a single, smart transaction. Need skilled specialists? We provide the talent to help you scale with fluctuating client demands—no overhead headaches.
Investors
De-risk your portfolio’s talent strategy.
Help your startups hire and pay contract talent compliantly. We handle KYC/KYB, payments, and skill-matching, so your portfolio companies can focus on scaling without risk.
Recruiters
Expand into staff augmentation with ease.
Quickly pay pop-up teams using Rafiki’s automated contractor payroll. Offer clients white-labeled EOR/AOR or Contract-for-Hire services to unlock new revenue streams.
Hospitality & Events
One-click payments for your variable, temp workforce.
Workers log hours, Rafiki OS consolidates payroll—one platform, one payment, no manual admin. Easily verify, manage, and pay all contract staff in a single transaction.
Building & Construction
Subcontractor payments made easy.
KYC, KYB, split-bill, and pay teams of subcontractors, across all of your projects at scale, helping you stay on time and on budget. Automated invoicing and payment routing across project-based teams.
FAQs
Learn how agencies and project-based teams use Rafiki to work together, handle multi-party payments, and grow through trusted networks of contractors and subcontractors.
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. Rafiki OS leverages best-in-class financial rails to deliver a purpose-built workflow, invoicing, and payments solution for agencies, contarctors, freelancers, subcontracting, and project-based teams.
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: €0.00 + 0.5%
- Processing: T+0 (Instant)
- Availability: 24/7
- Method: SEPA / SEPA Instant
- Payments in USA (USD)
- Fee: $0.00 + 0.2%
- 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.