Individuals
Coordinator/sender and broker accounts are reviewed and approved by Payvand’s global administrator.
The Payvand platform
Follow the transaction. Trust the record.
A digital twin connects transaction events, saraf reviews, payout confirmation and recipient verification in one reviewable history.
A transfer, step by step
Every step visible. Every transaction accounted for.
Watch an illustrative transfer move from the sender to the recipient. Payvand records each update along the way.
Two environments
Choose the environment that fits.
Organizations
Each organization has its own administrator, who manages its coordinators, brokers and role assignments.
Access
Role-based from the first step.
Every user selects a role when registering. Accounts are reviewed, including screening against sanctions lists, as part of registration.
Roles
Defined responsibilities.
Coordinator / Sender
Registers the recipient, initiates the transaction and selects Broker A.
Broker A · Saraf
Reviews the transaction and, if approved, forwards it to a Broker B from their broker list.
Broker B · Local saraf
Reviews the transfer, checks the collection details and the recipient’s ID, and hands over the money.
Administrator
Manages accounts within the environment and reviews identity-verification cases that need manual assessment.
Transaction workflow
From instruction to verification.
Create
The coordinator registers a recipient, enters the transaction and selects Broker A.
Broker A review
Broker A accepts or rejects the transaction. An accepted transaction is forwarded to a selected Broker B.
Broker B review
Broker B accepts or rejects the transfer. Approval triggers an SMS with the recipient’s collection code and amount.
Cash payout
The recipient presents the code and amount. Broker B enters the details, checks the recipient’s ID and pays out.
Identity & feedback
Through a link, the recipient uploads an electronic Tazkira, paper Tazkira or passport, completes a live face match, reports the amount received and leaves comments.
Review & record
The coordinator and administrator receive the verification results. Successful matches show as approved; cases under review are assessed manually by the administrator.
Identity verification and recipient feedback happen after cash payout. The later review outcome is recorded separately from the payout event.
Digital twin
Ground-truth data where institutions lack visibility.
Payvand’s proprietary digital twin captures delivery and payment events as cryptographic receipts. The result is audit-ready assurance for value flows, procurement and informal financial activity, without disrupting existing local systems.
- A cryptographic receipt for every event
- Blockchain-backed audit trail
- Works alongside existing local systems
Illicit transaction detection
Distinguish the illicit from the lifesaving.
The detection engine analyzes verified events using network-level settlement mapping, contextual anomaly detection and AI trained on real behavioral patterns. As verified data grows, detection accuracy improves.
Patterns it identifies
Settlement loopsMirrored transfersCross-channel activityTiming anomalies
Why rule-based AML misses them
1
Pattern blindness
Rule-based AML/CFT cannot detect multi-hop settlement loops that occur outside formal banking.
2
Missing context
Legitimate cultural remittances, such as medical treatment, Eid, weddings and family support, look the same as money laundering in transaction logs.
3
Fragmented data
Hawala activity spans bank transfers, cash, mobile money, trade finance and crypto, with no system linking them.
Supply-chain accountability
A tamper-proof trail for goods.
Because hawala ultimately settles in physical cash, the same verification logic extends to austere supply chains, giving end-to-end visibility for medical shipments, equipment and other material flows.
Scanned manifests
Manifests generated with OCR from shipping documents.
Location-anchored confirmations
Delivery confirmations anchored to GPS location.
Tamper-proof audit trail
A record of medical shipments, equipment and other goods that cannot be quietly altered.
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.