AfriLink Wallet is Africa's smartest digital wallet — linked to your unique @handle. Send and receive across 54 countries instantly. No bank account required.
No queues. No paperwork. No card needed. Just your @handle.
Register a unique @handle at afrilinkpay.com/#get-handle. Your handle is your universal payment address — e.g. @amara.k, @techshop.ng, or @mama-grace.ke.
Go to afrilinkpay.com/wallet. Enter your @handle. If you have a PIN, sign in. If not, verify your phone number and set a 4–8 digit PIN to create your wallet instantly.
Fund your wallet in two ways: (1) Open the Top Up panel — you'll be redirected to your @handle's payment page where you can pay with mobile money, card, or bank transfer. (2) Visit an AfriLink agent and hand over cash — they'll credit your wallet via Agent Cash-In in seconds.
Tap Send, enter the recipient's @handle, choose an amount and currency, and confirm. The transfer is instant and zero-fee within the AfriLink network — no matter which country they're in.
Share your @handle or open the Receive screen to show your QR code. Anyone can scan or type your handle and send — no app required on their side if they use AfriLink Pay.
To cash out, visit an AfriLink agent who will pay you cash and debit your wallet. To send to a bank account or mobile money, use Send and select the destination rail.
The AfriLink Wallet rail is the fastest, cheapest route for @handle-to-@handle transfers.
| Method | Speed | Fees | Cross-border | Requires bank? |
|---|---|---|---|---|
| 💎 AfriLink Wallet | Instant | Zero fee | 54 countries | No |
| 📱 Mobile Money | Instant | 0.5 – 2% | Limited | No |
| 🏦 Bank Transfer | Minutes–hours | 1 – 3% | SWIFT fees apply | Yes |
| 💳 Card | Instant | 1.5 – 3.5% | FX markup | Yes |
| 🏪 Cash Pickup | Same day | 2 – 5% | 50k+ agents | No |
Zero-fee applies to AfriLink Wallet to AfriLink Wallet transfers within the platform. External top-up and withdrawal fees vary by provider.
Find an AfriLink agent near you, hand over cash, and give them your @handle. The agent enters your handle into their Agent Portal, confirms the amount and currency, and your wallet is credited instantly. You get a notification. Done. No mobile money required. No bank visit. Just cash and your @handle.
Your PIN is hashed with scrypt (memory-hard) + a cryptographically random salt. Even if the database were compromised, PINs cannot be reversed.
Five consecutive wrong PIN attempts locks your wallet for 15 minutes. Brute-force attacks are computationally infeasible.
After login, your session is a short-lived HMAC-SHA256 signed token with a 24-hour expiry. Timing-safe comparison on every request.
Admin can freeze a wallet instantly if suspicious activity is detected. Frozen wallets reject all debits until reviewed and unfrozen.
Every credit and debit is idempotency-keyed. Network retries never double-credit or double-charge your wallet.
Every balance change is a separate ledger entry with direction, entry type, running balance, and timestamp. Nothing is ever overwritten.
Open your AfriLink Wallet in under 60 seconds. No bank account. No paperwork. Just your @handle and a PIN.