Built on licensed infrastructure and aligned with Kenya's financial regulatory framework.
Our regulatory framework
National Payment System Act (Cap 493A) : Primary licence authority
CBK Prudential Guidelines for Payment Service Providers
E-Money Regulations : Float management, reporting, and safeguarding obligations
CBK Interoperability Framework : M-Pesa, Airtel, T-Kash, PesaLink connectivity
Cross-Border Payment Regulations : FX reporting and settlement obligations
Platform Coverage
Afrinet's AML/CFT controls operate across all three platforms simultaneously, providing consolidated risk visibility
Control area
KYC/CDD
What we do
- Risk-tiered workflows — simplified for low-risk, enhanced due diligence for high-risk and PEP profiles.
- Automated ID verification at onboarding.
Platform coverage
WaaS | Mzizi
Control area
Transaction monitoring
What we do
- Real-time rule-based and ML-assisted monitoring for structuring, layering, and unusual patterns.
- SLA-governed compliance team review.
Platform coverage
All platforms
Control area
Sanctions screening
What we do
- UN, OFAC, EU, and HMT screening on all customers and counterparties.
- Mzizi cross-border transfers screened at initiation.
Platform coverage
All platforms
Control area
STR Filing
What we do
- Formal STR submission to FRC within statutory timelines.
- Full audit trail retained. No tipping off.
Platform coverage
All platforms
What this means for partners
Partners do not need to build independent AML/CFT infrastructure — Afrinet's programme covers their deployment from day one.
Full regulatory documentation is available for partner due diligence: licence copies, compliance certificates, and policy frameworks.
Regulatory updates, AML rule changes, and new CBK guidelines are implemented centrally — all partners benefit automatically.
Afrinet's Board Risk & Compliance Committee provides independent oversight — partners can evidence this governance to their own regulators.
