Pay Africa
& Beyond

We are the “Switch” that connects your wallet to other wallets & banks in Africa & beyond. With a single integration to our APIs, right on your app, your customers can send “instant transfers” to every corner of Africa & beyond.


API for global payment.

Instance is reshaping cross-border payment with “Finswich”, a real-time settlement network built to process over 10 million transactions per second. Designed with state-of-the-art  capacity to auto-scale at orders of magnitude more than competing solutions.

We provide Banks, Digital Wallet Providers, IMTOs, MMOs, Crypto Wallets, Exchanges, FX Providers, and regional payment networks the ability provide an instant and more efficient way to deliver your cross-border payment.

Value Added Services

Utility Services

Access to over 10,000 Utility services such as Airtime topups, data topups, insurance, Gift Cards, Games, Power, Transportation & others in 54 countries readily accessible to your customers in one singular checkout experience. This opens unlimited business opportunities for your company while creating more value for your customers.



Global instant transfers

Give your customers the power to do instant global transfer, make utility payments, and convert currencies in seconds.

Finswich Platform offers a fast and low-cost solution that improves delivery of payment experience for your customers, no matter where they are in the world. 

By integrating our API, your  customers can open their bank applications anywhere in the world to perform direct, instant bank transfers to vendors in different countries.

We are your expansion Partner

Go Global

Our goal is to give you a single financial product with all you need in one. We want you to focus on what really matters – Marketing. With a single integration we help you take care of global expansions across different countries. This saves several cost on research, long business hours spent negotiating with different partners in diferent countries.


Countries of coverage include:

Whether you are building financial tech with international capabilities or need utility solutions, Our platform is easy to integrate. We offer a solution with agnostic regulatory landscape in each country and region we serve, so you can focus on building.

for Digital Wallet

for Digital Wallet

Digital Wallet providers can add our api to their wallet and give their customers a seamless in-app experience of cross-border transfer.

for Banks

for Banks

When banks leverage our API, they give their customers ability to use their wallet app in multiple countries without changing the user’s experience

for Crypto

for Crypto

Cryptocurrency companies can give their users ability to spend crypto directly to fiat instantly across multiple countries.

Have total control & be compliant

Pool Wallet

Monitor credit & debit from your pool wallet with the ability to see performance insights across different markets to help you make informed ecisions


Manage users doing inter-platform transfers and gain insight into which platform is most frequently engaging with your app transactionally.


Gain more insights on your customer’s transactions behavior on what and where they spen to help you focus you develop a customer-centric strategy.


We give total control to implement risk controls through policies, threshold and categorize your customers according to your AML policy.

Get started

The fastest way to
integrate FinSwich

We have employed a developer-first API design approach. Integrate our APIs in one working day.

Sign up

Sign up on FinSwich to get a free account. Submit information about your business for KYB & get approved.


Get started in one day without changing your business model. The API works with existing wallets & simple to integrate.

Go Live

Pay a fee of $20 to go live, fund your pool, and start collecting payments in all our countries of coverage.


Know the pricing


If you perform wallet-to-wallet or wallet-to-bank in the same country


per successful transfer

Global Transfer

Instant global transfer to either wallet, mobile money or bank


per successful transfer

Kick-back commission

For every successful global transfer, we pay you a kickback commission  of 0.4% of the transacted amount  


of transacted amount on exchange rate

Commission on Utility

We pay you commission on over 10,000 utility services on our system.

0.5 – 4%

of transacted amount on all utilities

A real human will answer your questions.


Monday to Friday, during business hours


Lifetime online support

Frequently Asked Questions

Find some answers to your curiosity here

What is Finswich?

Finswich is a switch infrastructure built on blockchain technology designed for both wallets and bank enabling them to interoperably send money to each other globally.

What countries does Finswich cover?

Finswich is a global product; however, presently, we are in 10 African countries: Nigeria, South Africa, Ghana, Kenya, Uganda, Tanzania, Angola, Morocco, Togo

What is Finswich's Model?

FinSwich is self custodian infrastructure that gives you the ability to configure AML policies, Set transaction threshold, limits, and escalation point for what kind of transactions to Quarrantine.

Is FinSwich a Wallet?

Finswich is not a wallet. It’s a checkout built to give your wallet more payment capabilities and making your platform interoperable with other platforms & banks globally.

I already have a wallet in my application. How does FinSwich comes in?

With Finswich your existing wallet in your application can do more, Finswich is a wallet checkout that extends the functionality of your wallet giving your users more power and features without rebuilding again

Still have questions?

If you can’t find answers to your questions in the FAQ section, you can always contact us. We will get back to you shortly.

How do I get started with Finswich?
  • Sign up on Finswich
  • Upload all the compliance documents
  • Add your app on Finswich
  • Fund your pool
  • Integrate our checkout on your mobile app or web app
  • Go-live
  • Start transacting
What kind of Platforms can register on Finswich?

If your platform wallet for your users, then Finswich is perfect for you. You can register your app on Finswich; however, all apps are subject to verification.

If your app doesn’t offer wallet, that’s fine. You can integrate Finswich payment checkout to receive payment seamlessly.

Do I need to pay a registration fee for my apps?

You need to pay a sum of $10 to go live. All you have to do is fund your wallet before going live

How do I fund my app's Finswich wallet?

You can either fund through  wallet address in your wallet, or do bank a transfer from your local currency.

Still have questions?

If you can’t find answers to your questions in the FAQ section, you can always contact us. We will get back to you shortly.

What documents do I need to Submit?

Presently, you need to submit about 5 documents for you to be fully registered. Certificate of Incorporation, License (optional), Indemnity form, AML policy, Proof of Address.

How many days does it take to get my documents approved?

Your KYC documents would be reviewed & approved within 24 hours of submission

How many days will I need to get my App approved?

Apps would be approved within 24 hours of uploading them

Can Finswich access my customers wallets directly?

No, finswich can not access your customers wallet. We are just a transfer checkout that sits in between 2 wallets

Still have questions?

If you can’t find answers to your questions in the FAQ section, you can always contact us. We will get back to you shortly.

Ready to get started? Get in touch or create an account.

Instance App

We put the FinSwich Platform to test by creating a global payments app. Send payments to friends and family worldwide instantly.

Explore Instance App

Partner with US

Are you Digital Wallet or Payment providers? Join our ecosystem, partner with us and drive instant cross-border payment in your country.

Ready to get started?

Grow your income with Instance today

Send and receive money from anyone, anywhere.

At Instance, we are a provider of payment infrastructure your business need to be interoperable and scale globally with ease. We are dedicated to facilitating global financial inclusion by connecting all wallet providers together to create a more inclusive global payment ecosystem.

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