MEFolson/cush-payments

Cush Payments – AI-native regulated African payments & core banking platform. Instant, transparent remittances and Cush Core licensing. Cush Payments AI-native regulated African payments & core banking platform Instant, transparent remittances for the African diaspora · Cush Core platform licensing --- ## Overview Cush Payments delivers a premium remittance experience purpose-built for the African diaspora. Send money to mobile wallets and bank accounts across 20+ African countries in seconds, with fully transparent pricing (1.8% standard fee) and regulated settlement. Alongside the consumer remittance product, **Cush Core** is a production-grade, AI-native core banking and payments platform designed for licensing to banks, PSPs, fintechs and governments across Africa. It combines an immutable distributed ledger, agentic AI orchestration, and regulatory-first design to deliver high-performance, low-opex infrastructure (~£1 / customer / month target). --- ## Key Capabilities | Capability | Description | |------------|-------------| | **Instant Settlement** | Target delivery in seconds via modern rails + PAPSS local-currency settlement | | **Transparent Pricing** | No hidden FX mark-ups; recipient amount shown before confirmation | | **Agentic AI** | Intelligent routing, fraud detection, compliance orchestration and customer experience | | **Immutable Ledger** | BLAKE3-based cryptographic ledger for auditability and regulatory confidence | | **Compliance-first** | Designed for KYC/AML, transaction monitoring, PSD2/DORA-aligned controls and Bank of Ghana / multi-jurisdiction licensing | | **Africa-first Coverage** | Priority corridors: UK→Ghana, US→Nigeria, expanding to 20+ markets | | **Low Operating Cost** | Platform engineered for ~$1 per customer per month opex at scale | --- ## Architecture Highlights (Cush Core) - **Immutable Ledger Layer** – Cryptographically verifiable transaction history using BLAKE3 - **Agentic AI Orchestration** – Autonomous agents for payment routing, risk scoring, reconciliation and customer support - **Multi-rail Connectivity** – Integration with tradit …