PALESA
Pan-African Low-cost Exchange & Settlement Application Open the demo
Working demonstration

Your money without borders

PALESA moves money across African borders in seconds, for a fraction of today's cost — built in Ghana, on settlement rails global banks already use. This is not a deck. It's an app you can tap through right now.

Open the demo → How it works
8.46%
Average cost to send $200 to Sub-Saharan Africa — the most expensive region in the world
14.55%
Average cost when the sender uses a bank
3%
The UN target for 2030. The gap is the opportunity.
~5s
Stellar network settlement time — the rail PALESA is built on

Cost figures: World Bank, Remittance Prices Worldwide, Q3 2025. Settlement time: Stellar network documentation.

The idea

Mobile money made finance local. PALESA makes it borderless.

Mobile money put a bank in every Ghanaian's pocket — but it stops at the border. Stablecoins are e-money on a shared global ledger: banks, corporates and governments already settle at scale with them. PALESA brings those same rails down to the merchant in Accra, the SME owner in Lagos, and the diaspora sender in London — wrapped in an app that feels exactly like the mobile money they already trust.

Sending $200 to GhanaFeeArrives inRate known upfront?
Bank wire$29.10 (14.55%)2–4 daysNo — set on arrival
Regional average, all channels$16.92 (8.46%)Minutes to daysSometimes
PALESA (pilot target)$1.00 (0.5%)SecondsYes — locked at confirmation

Bank and regional averages: World Bank, Remittance Prices Worldwide, Q3 2025. The PALESA figure is the pilot pricing target, shown in the demo — not an operating result.

How it works

Three steps. The blockchain is invisible.

↓
1 · Money in
Fund with mobile money, bank transfer or card. PALESA converts to stablecoin automatically. KYC and AML screening happen at sign-up, before the first cedi moves.
⇄
2 · Settles in seconds
Value moves on the Stellar network — about 5 seconds, for a fraction of a cent. In the demo's Live mode, every payment produces a real transaction hash you can verify on a public explorer.
↑
3 · Money out
Recipient keeps it, spends it by QR, or cashes out to mobile money or a bank account. Balances, never blockchain addresses.
"Say it out loud: Pa-LAY-sa. It sounds like a name, not a piece of software. Let it feel like a person you'd trust with an errand."
— PALESA Brand Identity System Guidelines
Try it yourself

Four journeys, one app. Walk in as each of them.

The demo opens on your phone. Switch personas at any time; switch to Live mode to settle on the Stellar test network with verifiable hashes. No sign-up, nothing to install, no real money.

Individual · Remittance
Ama sends £120 home
London to Accra in seconds. Fee £0.60 — the regional average would take £10.15. The saving is shown on the receipt.
Open as Ama →
SME · Cross-border settlement
Zuri Textiles pays a supplier invoice
Lagos pays Accra: naira in, cedis out, invoice attached to the payment record. No pre-funded account, no 3-day wire.
Open as Zuri →
Merchant · Accept & cash out
Kofi takes a QR payment at Kaneshie Market
Customer scans, money lands instantly — then cash out to MTN MoMo whenever cash is needed.
Open as Kofi →
Everyone · Transparent FX
The rate you see is the rate you get
Rates locked at confirmation, not on arrival. Every payment tracked Processing → Settled → Delivered, with a shareable receipt.
See the rates →
Beyond the demo

Built for Ghana first. Designed for the continent.