Rafiki The financial operating system for flexible teams

Today, agencies, freelancers, and subcontractors are forced to juggle a maze of invoices, spreadsheets, payment links, and cross-border headaches just to get paid for one project. They collaborate like a network but get paid like it’s 2005. Payments are slow, expensive, and fragmented. Multi-party projects (agency + subcontractor + client) are messy to manage. This creates inefficiency, delays, errors, and costly cross-border payments.

We’re building the modern payments and workflow layer for multi-party projects, automating invoicing, approvals, and payouts across agencies, freelancers, and subcontractors in a collaborative manner. Powered by stablecoin + fiat rails, we enable instant, low-cost cross-border payments and will embed predictive cashflow tools + microloans to keep teams liquid and projects moving.