PayiSkoul is an innovative platform that combines an educational marketplace and an electronic wallet to make education accessible, flexible, and personalized in Francophone Africa. We enable students to pay for training in installments, save for future education, and access educational loans through a rechargeable wallet via local mobile money operators. Additionally, we offer secure crowdfunding solutions, allowing students to raise funds for their education while ensuring transparency. Our platform also provides educational institutions with advanced tools to digitize their services, personalize learning paths, and track student progress using AI-driven analytics.