Biometric trust
Verify with Fayda-linked ID when your bank turns it on, fewer paper steps.
The Akafay app
Buy What You Need Today. Pay on Your Terms.
Access instant Buy Now, Pay Later and salary advances right at checkout. Build your financial profile securely and get rewarded for on-time payments.
- Instant approvals: skip the paperwork pile. Verify with your Fayda National ID and see a limit in seconds when your bank turns it on.
- Akafay PayBoost: tap a slice of your next paycheck early when life throws an emergency.
- Agaz.ai copilot: your AI advisor helps you build a calm, realistic repayment plan.
See your monthly spending power
NBE compliant
Fayda NID secured
Halal options available
6,600 ETB
Payment Approved!
Split into 3 payments of 2,200 ETB.
Agaz.ai
Great purchase! Your next payment of 2,200 ETB lines up with your upcoming salary deposit.
Beyond checkout
Agaz.ai copilot & A-Coin loyalty
Proactive repayment nudges and issuer-enabled rewards, shown as product intent, not a live chat or wallet.
Agaz.ai
Agaz copy and availability depend on your issuer’s deployment; this animation is a marketing abstraction.
A-Coin rewards
Earn toward perks when you pay on time, tiers, partners, and redemption rules are always published by your issuer inside the live app.
Healthy payback → stronger standing for the next purchase window.
A-Coin is illustrative here; economics and eligibility follow your bank or MFI program.
National ID · eKYC
Verified identity, fewer manual steps
When your bank enables Fayda, onboarding can use National ID with explicit consent, less paper, clearer audit trail for the institution.
National ID–led verification where your issuer enables it, not a universal instant-approval promise.
Consent and retention follow your issuer’s deployment.
Built for speed and trust
Three things we optimize for once your issuer connects the rails.
Instant liquidity
Funds route to Telebirr, mobile money, or your bank rail where enabled.
Clearer capacity signals
See how published rules shape affordability, not a promise of pricing.
At a glance
What good feels like on Akafay
Fast visibility into limits when your issuer publishes rules, never a substitute for their final decision.
Ecosystem flywheel
From checkout to bank, in motion wherever your issuer enables installments.
Shopping checkout step
Akafay intelligence layer step
Bank rail step
Cut-off times, settlement rails, fees, and disclosure copy are issuer-controlled. Timelines in production follow your bank or scheme configuration, not this marketing illustration.
- Customer initiates purchase at checkout when BNPL or installments are offered for that basket.
- Akafay underwrites instantly against issuer rules and risk policies you have already accepted in the flow.
- Merchant is funded according to the issuer program, same-day in some schemes, T+N where that is what the bank publishes.
- Customer repays on the published installment schedule, including any fees or interest the issuer displays before you confirm.
Your Data is a Sovereign Asset.
Credit health without surveillance theater, three promises we design around.
On-soil data
Fully localized and secure.
NID integrated
Instant biometric verification when Fayda is enabled.
User consent first
Privacy by design, explicit consent before sensitive flows.
Security seal, tap to expand certifications
The Akafay Privacy Pledge
- Minimized inputs only when your issuer enables the full AIS path.
- No selling your financial signals to advertisers.
- Disconnect wallet or bank links when your deployment exposes controls.
Try the illustrative estimator
The live estimator above updates as you type, nothing is saved. Use the app links when your deployment publishes them.
Get the app
App StoreGoogle Play
Both buttons use your deployment’s NEXT_PUBLIC_AKAFAY_DOWNLOAD_URL when set (validated outbound rules). Until then, downloads stay disabled.