PAN-AFRICANCOMMERCE BRIDGE™
TF
Good afternoon, Tia

Move business forward.

Available across connected accounts
USD 52,408.00
PAC Verified Individual ✓
Recent activity
▤
Nairobi Building Materials Ltd.PAC Verified Supplier ✓ · Completed
KES 84,200
✈
ASKY AirlinesTravel · Virtual card purchase
USD 862
Account controls
PAC Wallet

Your commerce, in one place.

Illustrative available balance
USD 52,408.00
PAC Verified™
Balances by currency
$
US DollarUSD wallet
52,408.00
K
Kenyan ShillingKES wallet
1,250,000
L
Liberian DollarLRD wallet
125,000
G
Ghanaian CediGHS wallet
8,460.00
N
Nigerian NairaNGN wallet
640,000
Saved recipients
Prototype balances are illustrative. Live balances and availability would be provided through approved financial partners in each market.
Add money

Fund your PAC Wallet.

FromUBA Liberia · USD ···· 7752
Add toPAC Wallet · USD
AmountEnter an amount
Funding feeUSD 0.00 · Demo
Expected availabilitySubject to connected institution
In production, the selected bank or mobile-money provider authorizes the funding instruction. PAC displays the resulting wallet balance but does not silently pull funds from an account.
No funding instruction has been created.
Recipient directory

People and businesses you pay.

Select a recipient to begin a regular PAC payment.

A saved recipient may be an individual, supplier, property developer, vehicle dealer or other verified business. PAC will always ask you to select and confirm the recipient before a payment.
New recipient

Add once. Confirm each time.

The phone number is used to find the recipient through an authorized partner. PAC displays the matched person or company for confirmation before saving. Prototype entries remain within this demonstration session.
PAC Cards

Business spending, under control.

PAC Pan-African Commerce BridgeVIRTUAL
5234 •••• •••• 8421
TIA FROSTNETWORK ASSIGNED BY ISSUER
Virtual cardActive
Card detailsSecure display
Physical card
PAC Pan-African Commerce BridgePHYSICAL
PAC BUSINESS • TIA FROST
PAN-AFRICAN COMMERCE BRIDGE™ISSUER APPROVAL REQUIRED
PAC cards are a future capability and would be available only through an approved issuing partner. Availability, card network and features will depend on the customer's country and program.
Future eligible provisioning may include Apple Pay or Google Wallet where supported by the issuer, network and jurisdiction.
PAC Verified™

Verify once. Move with confidence.

ACTIVE

PAC Verified Individual ✓

Government identity and phone verified Facial and liveness verification complete Address and residency information reviewed Sanctions and PEP screening performed as applicable Financial documents requested only by the responsible bank or regulated partner when required
BUSINESS REVIEW

PAC Verified Business

Company registration and tax identification Directors, beneficial owners and authorized signatories Business activity and transaction purpose
COMMERCE TRUST

PAC Verified Supplier

Business verification and payout account match Product category and commercial documents reviewed Cross-border recipient profile ready for routine payments
Completed verification reduces repeated steps for routine, legitimate transactions. Higher-risk or high-value activity may still require refreshed documents or enhanced review.
PAC Services

Explore the bridge.

PAC Interactive Prototype
Confidential • For Strategic Discussion Purposes. Features, institutions and networks shown may be prospective and do not imply current licenses, approvals, partnerships or endorsements.
Legal, privacy and data

Your information. Your choices.

PAC legal framework · Prototype access
The production application will display the legally approved document applicable to the customer's PAC entity, country and service. The summaries shown here are demonstrations and are not final customer contracts.
Sample applicable document package
PAC uses the country verified during KYC or KYB, the PAC entity serving that customer, the account type and the service being used. If a transaction involves another country, any required destination or transaction disclosure is added without replacing the customer's governing legal package.
Master TermsVersion DEMO-2026.09
Privacy PolicyVersion DEMO-2026.09
Country schedulesGH · LR · KE · NG priority
Legal reviewRequired before production
PAC Terms of Use

Know how PAC works.

Draft framework preview · Version DEMO-2026.09
Final terms and country schedules require approval by qualified counsel before live use.

PAC's role

PAC provides customer-facing technology, verification support and transaction orchestration. Authorized partners perform regulated banking, safeguarding, FX, settlement and related licensed functions where required.

Your responsibilities

Customers must provide accurate information, confirm the recipient and transaction purpose, protect account credentials and use PAC only for lawful transactions.

Rates, fees and authorization

The applicable send amount, recipient amount, FX information, PAC fee, partner or network charge and total debit are presented before authorization. Quotes may expire or require refresh.

Failures, refunds and disputes

Production terms will explain cancellation eligibility, failed transactions, refunds, unauthorized activity, complaints, partner dependencies, service interruptions and dispute procedures for the applicable country.

Protection of PAC and customers

Production terms will address fraud, prohibited conduct, intellectual-property misuse, unauthorized copying, scraping, reverse engineering, liability allocation and legally permitted remedies without excluding responsibility for functions PAC actually controls.

PAC Privacy Policy

Clear use of customer data.

Draft framework preview · Version DEMO-2026.09
The production policy will identify the responsible PAC entity, applicable country schedule and legally required contact details.

Information PAC may process

Account, identity, contact, device, business, transaction, recipient, compliance and support information, limited to what is necessary for the applicable service and legal obligation.

Why information is used

To create and secure accounts, verify customers and businesses, prepare and track transactions, prevent fraud, comply with law, support customers and improve authorized services.

Who may receive information

Authorized banks, payment providers, identity and compliance providers, regulators or authorities when legally required, and contracted service providers operating under appropriate safeguards.

Retention and customer rights

Records are retained only for approved operational, contractual and legal periods. Applicable access, correction, export, objection and deletion rights will be explained by country, including information that cannot legally be deleted immediately.

Protection

Production systems require access controls, encryption, secure credential handling, audit records, incident response and separation of demonstration, sandbox and live environments.

Account and data controls

Manage your PAC relationship.

No request has been started. These controls are prototype demonstrations and do not transmit information.
Some transaction, compliance, tax, fraud-prevention or dispute records may need to be retained for a legally required period even after an account is closed. The production process will explain what can be deleted and what must be retained.
PAC Market Control Center

Every cost needs a source.

PAC uses one control rule: no exchange rate, fee, tax, customs assumption or regulatory requirement becomes a production value without a named source, effective date, retrieval time and owner.
Controls applied across PAC
Exchange ratesSource, timestamp, expiry and reauthorization
Company costPAC, partner and network charges separated
Client costTotal debit and recipient amount shown before approval
Trade costFreight, insurance, customs, tax, port and delivery
Law changesCountry, regulator, effective date and product owner
Audit recordOld value, new value, source and approval retained
Current implementation signals
GHGhana security baselineThird-party controls, encryption, incident response, cloud governance, ISO 27001 alignment and PCI DSS boundaries.Active
KEKenya consolidated cargoReference benchmark change is flagged inside the landed-cost workflow before commitment.Active
LRLiberia exchange-rate movementShort-lived quotes and tolerance checks protect the client, partner and PAC.Active
NGNigeria corridor readinessNGN collection, FX liquidity, PAPSS or another approved settlement route and Kenyan payout access must be confirmed before activation.Priority
AUAll marketsSupplier capacity, current inventory, lead time and backup supply are verified before funds move.Active
Security readiness
Role-based access and least-privilege permissions Encryption in transit and at rest Consent, quote, document handoff and approval audit logs Incident response, business continuity and vendor review Cloud location and regulatory approval recorded by country Card and wallet data kept inside approved partner boundaries
Prototype controls show the operating design. Production values and legal interpretations require confirmation by the responsible regulator, customs authority, licensed financial partner or qualified counsel.
PAC Landed Cost

Know the real cost before you pay.

Invoice, freight and insuranceEnter transaction costs
Estimated duty—
Estimated VAT / tax—
Port, clearing and delivery—
Total landed cost—
Kenya rule watch
The consolidated 40-foot container reference benchmark increased to KES 3.2 million effective August 20, 2026. Confirm shipment classification and the current KRA treatment before relying on this estimate.
All figures are illustrative and user-entered. Duty and tax rates vary by product classification, origin, exemptions and effective law. Production must retrieve the rule from the responsible customs source and record its timestamp.
Supplier capacity checkDemo review · Sep 4, 2026
Identity and payout accountMatched ✓
Current production capacity40 units / month
Available inventory18 units
Committed volume12 units
Quoted lead time21 days
Quotation expiresSep 6, 2026 · 17:00 EAT
Recent verified deliveryAug 18, 2026
Backup supplierRequired before payment
PAC Secure Document Exchange

Send it once. Track it here.

Upload once through PAC. The authoritative file is delivered to and retained by the regulated institution or approved document custodian responsible for review. PAC displays requests and status without becoming the long-term document archive.
Property purchase · PAC-0147
Purchase-agreement-A12.pdfBuyer uploaded · Version 1
REVIEWED ✓
Developer commercial invoice.pdfAcacia Property Developers
VERIFIED ✓
Source-of-funds evidence.pdfCustomer document
BANK REVIEW
Review status
Secure handoff createdTransfer reference and audit event recorded
PAC transaction details completeBuyer, developer and payment purpose connected
Sending institution reviewPayment instruction and any bank-required documents
Recipient account reviewRecipient details confirmed by the responsible institution
Authorized access
Customer Sending institution Receiving institution PAC transaction record
What PAC keeps
TransactionID and bank reference
Document recordType, version and status
AuditConsent and handoff times
Full agreementNot retained by default
If temporary upload staging is needed, files are encrypted, access-controlled and removed after confirmed handoff on a defined schedule, subject to legal and partner retention rules. A branch or original document is requested only when the bank, regulator or transaction type requires it.
Getting started

PAC comes to the customer.

Select an access option
Tap any option above to read how it works and what may be required.
Your security
PAC PINCreated by you
PIN visibilityNever selected by staff
Extra protectionDevice, face or one-time code
Registration consent demonstration
No consent record created.
PAC is designed to be branch-light. It should not operate routine customer offices merely to collect forms. Participating banks or authorized agents handle the limited cases that legally require in-person verification or original documents.
PAC Feature Phone Access

No smartphone required.

PAC 1. Send money 2. Check balance 3. Transaction status 4. Saved recipients 5. Help Reply with a number
123 456 789 *0#
StartDial a future PAC USSD code
AuthorizeCustomer-created PAC PIN
ConfirmationSMS receipt and reference number
Cash serviceApproved bank or agent, where available
The code shown is a product demonstration, not an active USSD service. Availability requires agreements with mobile-network, banking and payment partners in each country.
Everyday transfers, balance checks and status updates can work without mobile data. High-value property, supplier or vehicle payments may require the PAC web portal, a smartphone, or assisted document submission at an approved bank or agent.
PAC Gold reference

See purity before value.

Illustrative fine-gold reference · 24K equivalent
USD 140.99 / gram
Demo board · next refresh in 1:00
Demo reference checked now
Purity-adjusted reference valuesMetal value only
Estimate your gold
Illustrative gross metal value
Enter a weight
Select weight, unit and purity
This is not a purchase offer or guaranteed sale value. Actual value depends on verified weight and assay, measured fineness, refining loss, buyer margin, transport, insurance, taxes, fees and local market conditions. A karat claim or stamp should not replace an independent assay.
Prototype market data is illustrative and the board refreshes its display every minute. Production requires an authorized market-data feed and would show the provider, market timestamp and stale-data status without implying that PAC has assayed or purchased the gold.
Currency calculator

Know the amount before you pay.

Recipient receives
Enter an amount
Demo estimate · automatic refresh
Exchange rate1 USD = 130 KES
PAC feeUSD 8.00
Partner / network chargeUSD 20.00
Duties and statutory costsNot included
Total amountUSD 1,028.00
Rate sourceDemonstration benchmark
RetrievedAwaiting refresh
Automatic refreshNext update in 1:00
Rate protectionFinal debit cannot increase without approval
Quote statusIndicative · updating continuously
Demonstration rates are illustrative. In the live application, rates and fees will come from connected banking and FX partners. The estimate recalculates immediately when you change an amount or currency and refreshes its market snapshot automatically. The final executable rate and validity period are shown before authorization. PAC will request approval before any higher debit.
PAC Travel

Pay for travel with PAC.

PAC Travel Offers · Coming soon
An approved PAC affiliate travel link will appear here after the applicable commercial relationship and tracking credentials are in place.
1Choose your airline, hotel or travel provider directly
2Enter your eligible PAC Virtual Card at checkout
3Authorize the purchase securely through PAC
4View the charge and receipt in your PAC Wallet
PAC does not currently search travel inventory, sell tickets or issue reservations. Card availability and acceptance remain subject to the future issuing partner, card network, customer verification, spending limit and merchant acceptance.
Automobile purchase

Buy cash—or pay over time.

Payment direction
Tia Frost's personal UBA Liberia USD account → Nairobi Motor Group Ltd.'s verified KCB Kenya corporate account. Commerce Bridge is the coordinating layer, not the beneficiary.
Vehicle priceKES 4,800,000
Illustrative deposit · 20%KES 960,000
Amount financedKES 3,840,000
Demo financing partnerKCB Asset Finance
Illustrative annual rate13.00% fixed
Term48 months
Payment frequency1 payment per month
Number of payments48
Illustrative monthly paymentKES 103,018
Total financed paymentsKES 4,944,844
Total illustrative interestKES 1,104,844
Summary amortization scheduleIllustrative
MonthPaymentPrincipalInterestBalance
1103,01861,41841,6003,778,582
12103,01869,14633,8713,057,450
24103,01878,69124,3272,166,883
36103,01889,55213,4651,153,389
48103,018101,9141,1040
Deposit paid toNairobi Motor Group Ltd. · KCB corporate
Financed balanceBank pays verified dealer
Monthly repaymentsCustomer pays KCB Asset Finance
Commerce Bridge connects the buyer, seller, vehicle information, invoice, lender instructions and payment beneficiary. The responsible financial institution performs any required financial review. PAC does not make the credit decision or provide the loan. The 13.00% rate and amortization are demonstration figures, not a KCB quotation. Final deposit, rate, insurance, fees and term come from the approved financing bank. For a cash purchase, the full approved amount moves from the customer's account directly to the dealer's verified corporate or escrow account.
Digital-asset payment

Pay in crypto. Receive in local currency.

Enter the amount from your selected digital-asset account.
Customer authorizesEnter an amount
Payment amount—
Recipient receivesSelect a recipient
Total feesCalculated after recipient selection
Expected deliverySubject to recipient and provider approval
Payment progress
Payment details submittedYour details are being reviewed
Payment approvedRequired checks completed
Payment processingFinal rate and destination confirmed
Beneficiary creditedSelected recipient receives local currency
Availability depends on country rules and an approved provider. The rate and complete fees are shown before authorization. The recipient receives local currency and does not need to hold cryptocurrency. PAC does not offer investment advice.
✓
Digital-asset transaction PAC-VA-260902-19

Payment completed.

The approved provider processed the payment and the selected recipient received local currency without holding cryptocurrency.

Asset debited25,180 USDC
Fiat credited—
Beneficiary—
Destination—
StatusCompleted
Accounts and records

Your statements.

Available balance
USD 52,408.00
Opening balance USD 73,450.00
ASKY Airlines- USD 862.00
PAC Virtual Card · Travel merchantClosed
Account funding+ USD 5,000.00
UBA Liberia · PAC-FD-260901-24Completed
Acacia Property Developers- USD 25,180.00
Property deposit · PAC-260831-92Settled
Total creditsUSD 5,000.00
Total debitsUSD 26,042.00
Total feesUSD 192.00
Closing balanceUSD 52,408.00
Compliance and account controls

Limits matched to the transaction.

Verified Individual · Tier 2
Routine purchases and high-value commercial payments follow different approval paths. Usage history alone never unlocks a larger limit.
Personal & family transfersUSD 400 / 1,000 today
Illustrative lower-value remittance tier. Bank, mobile-wallet or cash-pickup availability depends on the corridor and approved payout partner.
Travel & family bookingsUSD 862 / 10,000 itinerary
Illustrative itinerary-based allowance for one or multiple travelers. USD 9,138 remains for this booking.
Verified property paymentUSD 25,180 / 50,000 today
Proposed minimum daily capacity: USD 50,000 for a fully verified customer and documented transaction. Additional checks happen automatically behind the scenes.
Building materials & procurementTransaction review
Large supplier invoices use verified business accounts, invoices, any bank-required financial review and direct supplier settlement
Vehicle purchase or depositTransaction review
Dealer invoice, vehicle details, ownership documents, insurance and lender instructions must be verified
Digital-asset funded paymentProvider-approved
Availability and transaction capacity depend on customer eligibility, country rules and the approved provider
Business & institutionalBased on verified profile
Limits are set per transaction, entity, purpose, bank rail and destination
What PAC records once
BuyerIdentity and connected account profile
TransactionContract or reservation agreement
RecipientDeveloper and receiving-account details
Payment destinationDeveloper bank or verified escrow
Submit the transaction documents once. PAC routes them to the responsible bank or regulated partner, tracks the status and keeps the customer informed. PAC does not verify funds or hold the deposit.
No request has been submitted.
Country and corridor explorer

Built for African commerce.

Select where you are paying from and where the recipient will receive the money.

Pay fromLiberia
Receive inKenya
Selected commerce corridor
Liberia→Kenya
Available payment methods, fees and expected delivery time will appear before you authorize the transaction.
Prospective partner ecosystem

Connected by one bridge.

Illustrative integration targets only. Display does not represent an existing partnership or endorsement.

PAC Banking Network™ · Prospective concept
A multi-bank model designed to support redundancy, competition and local access. UBA Group and GTBank / GTCO are the first strategic institutions PAC intends to explore; neither is represented as a current partner.

Banking and settlement

UBA GroupProspective multi-market relationship: settlement, FX, treasury, APIs and local banking accessProspective strategic bank
GTBank / GTCOProspective multi-market relationship: payments, monitoring, liquidity and possible card sponsorshipProspective strategic bank
Stanbic Bank KenyaCorporate and settlement bankingIntegration target
ABC Bank KenyaAfrican Banking CorporationIntegration target
EcobankPan-African banking footprintIntegration target
KCB BankKenyan receiving institutionIntegration target
PAPSSCross-border settlement infrastructureProspective settlement rail

Mobile money and technology

Safaricom · M-PESAKenyan payment endpointIntegration target
Orange MoneyProspective Liberia and Sierra Leone local channelIntegration target
MTN MoMoProspective Liberia, Ghana and Uganda local channelIntegration target
MoMo PSB NigeriaProspective Nigerian local funding and payout channel, subject to corridor approvalPriority-market target
Approved FX providersPricing and liquidityRequired role
Licensed virtual-asset providersWallet screening, conversion and regulated settlementFuture required role

Commerce endpoints

Future travel affiliate providerTracked flight and accommodation offers through an approved external relationshipComing soon
Verified developersProperty payments and escrowMerchant category
Verified suppliersBuilding materials, machinery and procurement paymentsMerchant category
Verified vehicle dealersCash purchases, deposits and fleet procurementMerchant category
Asset-finance banksCredit approval and installment collectionFinancing role
Step 1 of 5

Connect both sides.

Your PAC account
Tia Frost · +231 ···· 4081
Enter the amount leaving your selected funding account.
Recipient receives in Kenya
Enter an amount
1 USD = 130 KES
Step 2 of 5

What is this payment for?

Property payment
Pay a verified property developer using the purchase reference and any required documentation.
Enter the mobile number connected to the recipient's verified account.
ACACIA-A12.pdfPurchase agreement · Ready to send
ATTACHED ✓
Step 3 of 5

Review how it arrives.

PAC paymentExpected timing
You pay
USD 25,180
Recipient gets
KES 3,250,000
Expected arrival
Today
Total fee
USD 180
PAC selects the appropriate available processing route behind the scenes. The customer sees the amount, fees, recipient value and expected arrival before authorization.
Step 4 of 5

Review and authorize.

CustomerTia Frost · +231 ···· 4081
Funding accountUBA Liberia · USD ···· 7752
RecipientAcacia Property Developers
PurposeProperty deposit
Recipient receivesKES 3,250,000
PAC feeUSD 160
Partner/network chargeUSD 20
Total buyer debitUSD 25,180
By continuing, you authorize this payment. You will receive status updates and a final receipt. The recipient receives the amount shown in their local currency.
Secure authorization

Approve this payment.

◎
Confirm USD 25,180

To Acacia Property Developers
Recipient receives KES 3,250,000

Your PAC PIN is created by you during initial account setup and is never selected by a bank employee. Security and eligibility checks happen securely in the background.
✓
Transaction PAC-260902-0147

Payment initiated.

Follow the payment through final recipient confirmation.

Payment confirmedInstruction received · 15:42:08
Payment processingYour payment is moving securely
Currency convertedFinal rate confirmed
Recipient creditedVerified recipient account confirmed
Receipt readyTransaction record available

Transaction complete

DebitedUSD 25,180
FX referenceFX-8462-KE
Credited to developerKES 3,250,000
Partner confirmationSBK-903817
StatusCompleted
PAC
PAN-AFRICAN COMMERCE BRIDGE™

Payment receipt

SETTLED AND CLOSED ✓
A screenshot can also be taken using your device.
Prototype receipt using demonstration data. Production receipts would use live transaction, FX, fee and bank-confirmation data.
PAC
PAN-AFRICAN COMMERCE BRIDGE™

Payment receipt

SETTLED AND CLOSED ✓
Review the populated document below. Then choose Print / Save PDF to open your device's print menu, where you can print or save a PDF.
PAC Interactive Prototype · Demonstration data only
PAC Interactive Prototype
Confidential • For Strategic Discussion Purposes