KibiPay — payments infrastructure for every rail

KibiPay gives banks and fintechs one signed REST API across every rail — UK schemes (Faster Payments, Bacs, CHAPS — simulated), a live Mojaloop switch for mobile money, and Solana for crypto settlement — held together by a genuine double-entry ledger, per-rail floats, an FX service, and a treasury that rebalances through a USDC-on-Solana reserve. Durable workflows run on Temporal.

Every payment is screened for fraud and AML at a single choke point before it settles: self-hosted OFAC and EU sanctions screening plus real-time transaction monitoring, with ISO 20022 messaging (pain.001 / pacs.008) throughout. Operators get one console — a control tower, hold queue, audit chain, and end-of-day reconciliation — that turns the usual late-night payments incident into a click.

Explore the payments blog (guides on payment rails, ISO 20022, legacy protocols, AML, OFAC sanctions, and country rail differences), try the customer pay surface, open the operator console, or read the API documentation.

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