One Platform, Endless Possibilities
Rafiki powers flexible workforces across industries—whether you're a freelancer, agency, consultant, work in hospitality, events, staff augmentation, or simply an innovative business scaling smartly.
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! Keep your builders, plumbers and electricians happy!
FAQs
Everything you need to know about using Rafiki to build your freelance business, grow your agency, or find the right fractional talent to grow your company.
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.