SAPA
User Matrix
Our users matrix displays the various users’ perspectives that embolden us to go all out.
Stakeholders
Central Banks
What they need
Real-time FX tracking, settlement infrastructure, and national compliance monitoring
Why they need it
Currency stability, AML enforcement, regional oversight
- SAPAHub
- FX3D
- TrustNet
- TestHub

Stakeholders
Regional Banks
What they need
Digital trade finance tools, SME onboarding, corridor-based FX execution
Why they need it
Grow revenue, reduce cost, support intra-Africa trade
- SAPApay
- TradeX
- FX3D
- TrustNet

Stakeholders
MNOs
What they need
Wallet interoperability, transaction routing, digital KYC scoring
Why they need it
Monetize mobile money, reach underserved, stay compliant
- oneWallet
- TrustNet
- SAPApay

Stakeholders
MTOs
What they need
Instant remittance settlement, corridor FX pricing, and AML integration
Why they need it
Faster, cheaper transfers with compliance built-in
- RemitHub
- oneWallet
- TrustNet
- FX3D

Stakeholders
Single Windows
What they need
Access to trade finance, FX pricing, and instant payment settlement
Why they need it
Unlock capital, enter new markets, reduce delays
- TradeXport
- TrustNet
- FX3D

Stakeholders
Fintechs & PSPs
What they need
Embedded payment APIs, onboarding tools, regulatory-grade compliance services
Why they need it
Launch fast, expand regionally, de-risk operations
- oneWallet
- TradeX
- TrustNet

Stakeholders
Insurers
What they need
Embedded claims automation, trade-linked underwriting, and digital policy handling
Why they need it
Manage risk efficiently, scale to new sectors
- TradeXInsure
- TrustNet
