Payd

Payd (PaydHQ Inc.) is a financial technology platform founded in 2023, purpose-built to enable borderless payments and money management for freelancers, creatives, entrepreneurs, and businesses operating across emerging markets and beyond. Headquartered in Nairobi, Kenya with a registered entity in Delaware, USA, Payd serves 30,000+ users across 35+ countries with the mission of "Financial Freedom Without Borders."

Core Products/Services

Payd offers a unified suite of global payment tools built on modern financial infrastructure including stablecoin rails (USDT, USDC, cUSD, cKES) and licensed Virtual Asset Service Providers (VASPs):

• Virtual USD and EUR Accounts: Dedicated account numbers allowing users to receive international wire transfers as if they held a US or European bank account.
• Global Payments: Send money to 35+ countries in under 30 seconds via mobile money (M-Pesa, MTN), bank transfers, and cards — at fees up to 70% lower than traditional banks.
• Stablecoin Payments: Send and receive digital dollars (USDT, USDC, cUSD, cKES) with blockchain security, instant settlement, and fees as low as 0.2%.
• Smart Invoicing: Professional invoicing with customizable templates, automated recurring billing, and payment reminders.
• Payment Links: Shareable payment links and custom digital storefronts for receiving payments.
• Global Payroll: Bulk contractor payroll processing — pay 100+ contractors in one click across 35+ countries.
• Spend Management: Real-time expense tracking, approval workflows, sub-accounts with role-based spending limits, and AI-powered cost-saving recommendations.
• Payd on WhatsApp: Full account management and payment capabilities integrated into WhatsApp.
• Developer API: RESTful API with endpoints for payments, payouts, and analytics, plus sandbox environment and comprehensive documentation.

Key Strengths

Payd differentiates through its hybrid infrastructure that combines traditional payment rails with blockchain/stablecoin technology via VASP partnerships. The platform achieves 99% uptime, processes transfers in ~30 seconds, and supports 100+ payment methods. Its deep focus on African markets (Kenya, Nigeria, Uganda, Tanzania, Rwanda) alongside global coverage positions it as a leading cross-border fintech for the gig economy. The team brings backgrounds in data science, software engineering, and banking.

Notable Clients/Projects

Payd has partnered with Yellow Card (a leading African crypto exchange) and Borderless.xyz for stablecoin-powered payment infrastructure. Payd is backed by Lisk's EMpower Fund, which supports projects building on blockchain infrastructure for emerging markets.

Why Choose Payd

Payd eliminates the friction of international payments for freelancers, remote workers, and global businesses — particularly in Africa and Latin America. Its stablecoin rails provide price-stable cross-border settlements without the volatility of traditional crypto, while its multi-currency accounts and 70% lower fees make it a compelling alternative to SWIFT and traditional banking for the global gig economy.