Local networks matter
Hawala and other informal value transfer systems move value where formal finance cannot operate, and are trusted by the communities they serve.
About Payvand
Making trust verifiable.
Payvand provides the infrastructure to verify aid delivery and financial activity in environments that are conventionally hard to audit, without disrupting the systems already in place.
The question
How do we restore trust where investors and donors are withdrawing?
Investors and donors are withdrawing from fragile states and frontier markets, held back by reputational risk and the risk of aid diversion.
Visibility shapes engagement
Without institutional oversight, these networks are excluded from formal financial ecosystems.
Records bridge the gap
Verifiable digital records connect local activity with institutional oversight.
Our approach
Interoperability, not replacement.
Payvand is designed to work with local systems rather than replace them, combining local interoperability with global compliance.
Work with existing systems
Integrate informal and frontier finance into a decentralized oversight system.
Audit-ready data
Give donors, governments and institutions the evidence they need to re-engage.
Local agency maintained
Formal-sector participation returns without taking control away from local networks.
Our mission
From black box to accountable corridor.
Informal systems move enormous value, yet remain inaccessible to formal capital because they lack verifiable oversight. By embedding trust into high-friction environments, Payvand helps turn high-risk regions into transparent, accountable and investable spaces, and lays the groundwork for broader financial integration.
Who we serve
Built for everyone in the chain.
Donors & aid organizations
Verify that aid reaches the intended recipient, with audit-ready data.
Governments & institutions
Re-engage in high-risk regions with accountability built in.
Organizations & employers
Manage users, roles, transfers and salary payments in your own environment.
Sarafs & local networks
Keep your trusted relationships and add a verifiable record to every transfer.
Let’s explore a connection.
Are you an organization, a saraf or a potential partner? Request a demo or talk to our team about your requirements.