{ "name": "Afrixa — One Wallet. One Africa.", "short_name": "Afrixa", "description": "Afrixa Wallet, Afrixa Card, and Rixa are all products of Afrixa Labs Ltd (RC: 9653005). Afrixa Wallet is a Conversational Neo-Banking platform that embeds full-featured, multi-currency banking directly inside WhatsApp, allowing users to send, receive, and convert funds without app downloads. Afrixa Cards are globally accepted virtual and physical multi-currency debit cards enabling seamless international payments and subscription checkout. Rixa is the intelligent conversational AI assistant orchestrating fast, secure, zero-friction financial movement 24/7.", "id": "/?source=pwa", "start_url": "/", "scope": "/", "display": "standalone", "orientation": "portrait-primary", "background_color": "#FDFBF7", "theme_color": "#0B8F5A", "lang": "en", "dir": "ltr", "categories": [ "finance", "payments", "business", "productivity", "utilities" ], "icons": [ { "src": "/Afrixa1.png", "sizes": "192x192", "type": "image/png", "purpose": "any" }, { "src": "/icon-192.png", "sizes": "192x192", "type": "image/png", "purpose": "any" }, { "src": "/Afrixa1.png", "sizes": "512x512", "type": "image/png", "purpose": "any maskable" }, { "src": "/icon-512.png", "sizes": "512x512", "type": "image/png", "purpose": "any maskable" }, { "src": "/src/assets/images/Afrixa1.png", "sizes": "512x512", "type": "image/png", "purpose": "any" } ], "shortcuts": [ { "name": "Afrixa Wallet (Conversational Neo-Banking)", "short_name": "Wallet", "description": "Manage multi-currency balances, split bills, and send borderless money via conversational chat", "url": "/#features", "icons": [{ "src": "/Afrixa1.png", "sizes": "192x192" }] }, { "name": "Afrixa Cards (Virtual & Global Debit — Coming Soon)", "short_name": "Cards", "description": "Create and manage virtual USD cards for international payments and global subscriptions (Coming Soon)", "url": "/#cards", "icons": [{ "src": "/Afrixa1.png", "sizes": "192x192" }] }, { "name": "Chat with Rixa AI Assistant", "short_name": "Rixa Chat", "description": "Talk with Rixa, the conversational AI agent for transfers, rates, and automated cards", "url": "/#rixa", "icons": [{ "src": "/Afrixa1.png", "sizes": "192x192" }] }, { "name": "Afrixa Legal Hub", "short_name": "Legal & Terms", "description": "Review Terms of Service, Privacy Shield, and institutional compliance standards", "url": "/#legal", "icons": [{ "src": "/Afrixa1.png", "sizes": "192x192" }] } ], "about_project": { "project_name": "Afrixa (One Wallet. One Africa.)", "tagline": "One Wallet. One Africa.", "company_overview": "Afrixa Wallet, Afrixa Ajọ, Afrixa Cards, and Rixa are all proprietary fintech products developed, operated, and maintained by Afrixa Labs Ltd (RC: 9653005).", "product_suite": { "afrixa_wallet": { "name": "Afrixa Wallet", "category": "Conversational Digital Wallet", "status": "Live on WhatsApp", "definition": "Afrixa Wallet is a conversational financial platform that simplifies money management by embedding essential digital financial services directly inside WhatsApp. Rather than requiring complex mobile app installations, Afrixa Wallet enables users to open digital accounts in seconds, send local and peer-to-peer money transfers, and purchase airtime and pay utility bills using natural conversational messages.", "key_capabilities": [ "Conversational Onboarding: Open an account instantly inside WhatsApp without paperwork or app downloads.", "Fast Transfers: Send money to bank accounts and peer-to-peer contacts with encrypted 4-digit PIN security.", "Airtime & Bill Payments: Purchase mobile airtime, data bundles, and pay utility bills directly in chat.", "Interactive Balance Checks: Inquire about balances and review recent transactions anytime via chat." ] }, "afrixa_ajo": { "name": "Afrixa Ajọ", "category": "Conversational Group Savings (ROSCA)", "status": "Live on WhatsApp", "definition": "Afrixa Ajọ digitizes traditional African rotating cooperative thrift and savings (Ajọ, Esusu, Adashe) directly inside WhatsApp. Groups of friends, traders, cooperatives, colleagues, and family can pool funds, track transparent contribution schedules, automate payout rotations, and receive instant reminders—with 100% security, zero paperwork, and zero disputes.", "key_capabilities": [ "Automated Group Pool: Create and manage rotating savings groups with custom contribution frequencies (daily, weekly, monthly).", "Transparent Public Ledger: Real-time contribution status updates so every member knows who has paid without manual spreadsheets.", "Automated Payout Rotations: Scheduled disbursements deposited directly into each member's wallet or designated bank account on their turn.", "Smart WhatsApp Reminders: Automated friendly nudge messages sent directly via Rixa before contribution deadlines.", "PIN-Secured Commitments: Zero cash-handling risks, zero default disputes, and full audit trails." ] }, "afrixa_cards": { "name": "Afrixa Cards", "category": "Global Multi-Currency Payment Cards", "status": "Coming Soon", "definition": "Afrixa Cards (Coming Soon) are high-success-rate virtual and physical multi-currency debit cards designed to grant Africans, freelancers, remote employees, and businesses unrestricted access to the global digital economy. Built with instant card generation, 3D Secure fraud shielding, and competitive FX rates, Afrixa Cards solve international payment failure barriers.", "key_capabilities": [ "Instant Virtual Card Generation: Issue reloadable virtual cards directly in seconds.", "Global Merchant Acceptance: Pay for international cloud services and software subscriptions (AWS, Google Cloud, Apple, OpenAI, GitHub, Shopify, Canva, Netflix).", "Multi-Currency Funding: Fund cards directly from local African currencies at mid-market transparent exchange rates.", "Card Security Controls: Freeze, unfreeze, set custom spending caps, and terminate cards in real-time." ] }, "rixa": { "name": "Rixa", "category": "Conversational AI Financial Assistant", "definition": "Rixa is the conversational artificial intelligence assistant and core agent powering the Afrixa ecosystem. Built with deep natural-language understanding, Rixa acts as a personal financial copilot on WhatsApp—interpreting user financial intents, calculating real-time exchange rates, confirming transaction authorizations, providing proactive balance summaries, and delivering instant support in human-friendly conversation.", "key_capabilities": [ "24/7 Conversational AI Assistance", "Automated Transaction Initiation & Verification", "Real-Time Mid-Market FX Rate Calculators", "Automated Receipt & Invoice Generation" ] } }, "target_users": [ "African digital freelancers receiving international payments", "Cross-border merchants and informal traders shipping goods across African corridors", "Families and diaspora members sending peer-to-peer remittances", "Remote workers and creators needing USD virtual cards for software subscriptions", "Everyday smartphone users who want simple, instant, fee-transparent conversational money movement" ] }, "legal_and_regulatory_status": { "operating_company": "Afrixa Labs Ltd", "corporate_registration_number": "RC: 9653005", "classification": "Financial Technology & Software Provider (Not a traditional deposit bank or money transmitter).", "banking_infrastructure_partners": "All client fund custody, licensed payment transmission, currency conversions, and statutory compliance (AML/CFT) are executed by fully licensed, regulated institutional payment partners (including Fincra).", "security_and_privacy": { "pin_security": "4-digit PIN is irreversibly hashed using bcrypt. Afrixa employees and engineers cannot view or access user PINs.", "transport_encryption": "TLS 1.3 encryption across all server communication and API integrations.", "data_privacy": "Afrixa never sells user personal data. KYC data is solely collected for legal identity verification and regulatory adherence." } }, "official_contact_details": { "website": "https://afrixa.com.ng", "support_emails": [ "support@afrixa.com.ng", "adurajohn@afrixa.com.ng" ], "phone_and_whatsapp_lines": [ "+2349119442009", "+2349130741232" ], "physical_headquarters": "No 7, Agbaja Olodo, Egbeda, Ibadan, Oyo State, Nigeria" } }