Personal – Akafay

Your Financial Operating System

Spend wisely, secure your

future

risks

A modular platform uniting banks, merchants, and contributors under one compliance-first umbrella.

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Modular APIs

AI/ML Backed Risk Assessments

Audit-Ready Compliance

Virtual Card Issuance

Dynamic Eligibility

24/7 Monitoring

@Melvin Advanced search capabilities utilize AI to deliver accurate.

Reinventing Ethiopia’s TradFi

Akafay is the core infrastructure for Ethiopia’s financial institutions to offer scalable, collateral-free digital credit. We drastically reduce risk, unlock new markets, and activate your digital ecosystem.

Become a Partner

How It Works

AI-based customer

service platform built for

collaboration.

AI-based customer

service platform built for

collaboration.

AI-based customer

service platform built for

collaboration.

reimagine shopping

For Consumers:

Unlock Your Purchasing Power

Welcome to a new era of financial access. With Akafay, offered through our trusted partner banks, you can get the credit you need, when you need it, without the traditional barriers of physical collateral.

Instant Access to Credit:

Apply through your bank's app and get an AI-powered decision in minutes, not days. Use our Buy Now, Pay Later service to purchase essential goods and services and pay in manageable, interest-free installments.

A Financial Advisor in Your Pocket:

Our AGAZ AI Financial Copilot helps you manage your spending, build a positive credit history, and improve your financial health, all from your smartphone.

Secure and Dignified:

Your financial identity is protected by best-in-class security. Gain access to credit based on your digital footprint and financial behavior, not just what you own.

Banking unbounded

For Our Partners: The Future of Your Intelligent Credit Portfolio

Akafay is not just a software provider; we are your strategic partner in building a resilient, profitable, and inclusive digital lending ecosystem. We provide the core Unified Embedded Financial Operating System to future-proof your institution.

Drastically Reduce Non-Performing Loans (NPLs):

Our proprietary Akafay Intelligent Services (AIS) engine uses alternative data and behavioral biometrics to generate a far more accurate risk assessment than traditional models. Protect your balance sheet while expanding your reach.

Unlock New, Profitable Markets:

Safely lend to millions of "thin-file" customers, salaried employees via our Akafay for Work module, and the burgeoning gig economy—segments previously considered too risky.

Ensure Shariah Compliance with Confidence:

Our Akafay Halal platform is built on Murabaha principles, using the Cardano blockchain to create an immutable, auditable trail of asset ownership, providing unparalleled integrity for your IFB window.

Drive Operational Efficiency:

Automate the entire credit lifecycle, from digital onboarding and underwriting to disbursement and collections. Eliminate the high costs that make small-ticket consumer lending economically unviable.

Selling in the new age

For Merchants and Service Providers: Accelerate Your Growth

Join the Akafay network and gain access to a powerful new engine for commerce. Integrating with Akafay through our partner banks means more customers, larger sales, and a seamless checkout experience.

Increase Sales and Conversion Rates:

Offer your customers Buy Now, Pay Later at checkout. This is proven to increase average order value (AOV) and dramatically reduce cart abandonment.

Access a New Wave of Customers:

Tap into a growing ecosystem of pre-approved, credit-enabled consumers who are ready to purchase. Akafay brings you customers you couldn't reach before.

Fast, Secure, and Low-Cost Payments:

Accept modern digital payments via QR codes and tap-to-pay. Our system ensures instant settlement and reduces your risk of fraudulent transactions and chargebacks.

website integrations

Very easy to share or copy and paste content

Automation & workflow features include a drag & drop builder, automated task assignments, conditional with good triggers, and api integrations.

Upload or connect your data

Automatically jump into a dedicated Slack channel and we’ll provide.

try it for free

12000

Happy users

“ Working with Silver feels like a partnership; as we continued to use their tool and found more use cases. ”

Mateo R. Albright /CEO

launch your ai website with in a days

The unified financial OS for modern banking

AI-driven credit, blockchain transparency, and Sharia-compliant BNPL work together to unlock new revenue, reduce risk, and attract today’s digital-first customers

New Customer Segment

Lower NPLs

Reduced Opertaional Cost

Healthy Loan Portfolio

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testimonials