Account Top-Up Flows

 1. Integration-free Account Creation The simplest integration path requires no real-time API connectivity with the financial institution. The user is redirected to a secure bank-hosted webview to create an African bank account. All KYC, document collection, and account setup steps happen inside the bank’s web experience. Once completed, the user returns to the Diaspora app. User needs to manually...

App Features

Provide onboarding and KYC services, including sign-up, verification, PIN setup, configurable KYC flow, and account creation. Enable account funding and U.S. bank account linking, including top-up, currency exchange, and fund withdrawal. Support cross-border money transfers with payout options (Mobile Money, Bank Transfer) and beneficiary KYC. Offer personal savings goals with manual/automated contributions, tracking, and member...

Business Summary

The Diaspora Platform provides a compliant, secure financial service for U.S.-based diaspora users to: Onboard and complete digital KYC Create and fund accounts Link to 12,000 U.S. bank accounts and (future) international accounts Send money cross-border Create and participate in personal savings goals. This service sits alongside existing digital banking channels, but may be delivered both as: Standalone/white-label...

Cross-Border Payment Flow

This flow illustrates how users send money from U.S. accounts to recipients in Africa through various payout channels. It includes:  1. Standard Money Transfer The user selects a payout method (e.g., mobile money or bank account), enters the beneficiary’s details, and authorizes the payment. The remittance engine performs (Rate calculation, Compliance & sanctions checks, routing...

Dashboard Features

Onboarding & KYC Flow

This flow describes the complete digital onboarding process, including: User account creation Identity information entry KYC/AML check, which includes (Document upload, Address verification, Face recognition) KYC/AML decisioning result. Wallet or account creation upon successful approval This ensures users meet the compliance requirements before being allowed to fund accounts or send money.

Product Vision

The platform transforms traditional remittances into intelligent banking journeys and global payment solutions to turn engagement into AUM, enabling: The system aims to deepen retention, grow deposits, and expand access for diaspora Customers