# Sarafa

> Simplifying money, unlocking opportunities.

Sarafa helps users send, receive, and manage money across Africa and the Middle East using stablecoins and multi-currency accounts.

Sarafa is a payments platform for individuals, businesses, and agents in underserved markets across Africa and the Middle East. Users can hold multiple currencies, convert between local currencies and stablecoins, make cross-border transfers via mobile money or bank accounts, and access virtual cards. Consumer, agent, and merchant apps serve different user types alongside a programmable payments API.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2023-01-01
- Profile: https://thegrid.id/profiles/sarafa

## Products

- [Sarafa](https://thegrid.id/profiles/sarafa): Sarafa is a stablecoin-powered neobank providing multi-currency account management, cross-border remittances, and fiat-to-stablecoin conversion. The platform integrates with mobile money networks for deposits and withdrawals and supports virtual and physical payment cards, personalized payment links via PayTag, and invoice generation. An agent interface enables community-level financial services including airtime sales, utility bill payments, and local currency exchange. (Neobank, Live, Main Product)
- [Sarafa Merchant](https://thegrid.id/profiles/sarafa): Sarafa Merchant is a web-based payment acceptance platform for businesses, enabling in-store and online collection via scannable QR codes and merchant-specific payment identifiers. The system processes multi-currency transactions and settles funds in the merchant's preferred currency. Merchants manage payment activity and configure their storefront through a dedicated web portal. (Merchant Payment Gateway, Live)
- [Sarafa API](https://thegrid.id/profiles/sarafa): Sarafa Payments API enables developers and businesses to integrate Sarafa's cross-border payment capabilities including stablecoin transfers, mobile money, and multi-currency settlement into their own platforms. (Payments Infrastructure & Orchestration, Live)
- [Sarafa Cards](https://thegrid.id/profiles/sarafa): Sarafa Cards provides virtual and physical payment cards for global spending, funded from stablecoin and multi-currency balances, with automatic currency conversion, real-time transaction notifications, and advanced controls including spend limits and instant card freeze. (Card, Live)
- [Sarafa PayTag](https://thegrid.id/profiles/sarafa): Sarafa PayTag enables users to receive payments via a unique @username link and shareable QR codes, designed for freelancers, small businesses, and events to collect payments instantly without sharing bank details. (Payment Links & Request Tools, Live)

## Links

- [Main](https://sarafa.ss)
- [Blog](https://sarafa.ss/blog)
- [Privacy policy](https://sarafa.ss/privacy)
- [Terms of Service](https://sarafa.ss/tos)
- [Twitter / X](https://x.com/sarafaapp)

## Legal

This data is provided under two licensing models.

Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
- a project's presence in The Grid's data does not imply endorsement.


- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP