Pay your overseas suppliers from Ghana at an FX rate you can see.
Pilotage compares your FX routes side by side, runs compliance on your business and your suppliers, and moves supplier payments through a licensed settlement partner, with the rate locked and visible before you commit.
A Ghanaian importer paying a supplier abroad faces a two-tier FX squeeze.
Banks ration dollars at the official rate, so most importers end up at a forex bureau paying a materially wider one. From there the payment moves on a SWIFT wire that takes three to five days and carries a transfer fee plus correspondent-bank charges.
Cost accrues at each step. Total friction typically runs 3 to 5 percent in calm conditions, and well into double digits when the cedi is under stress.
Invoice capture, supplier KYB, and Ghana settlement corridors are built into the workflow.
Invoice handling, KYB checks, and Ghana-specific settlement corridors are built into the product, where pan-African alternatives tend to be shallower on the local detail.
You import auto parts through Tema. A supplier in Guangzhou sent an invoice for $8,000, and you need it paid this week. Instead of chasing your bank for a dollar allocation, you open Pilotage.
- 01 · Invoice
You upload the invoice
You drop in the supplier's PDF and Pilotage reads it, pulling the amount, currency, and supplier name off the scan, so you are not retyping figures.
- 02 · Quotes
You compare the routes
Pilotage shows the quotes side by side: a reference bank-wire rate, and a stablecoin route through a licensed partner. Each row shows the spread in basis points, the fee, and how long settlement takes.
- 03 · Maker-checker
A second person signs off
You create a payment instruction from the quote you chose, which locks that rate and route. Before it can move, a second approver reviews it. Whoever raised it cannot approve their own.
- 04 · Funding
You fund the partner checkout
Pilotage opens a hosted checkout with the licensed settlement partner. You fund it there, and the partner converts your cedis and pays the supplier, so you never hold the stablecoin yourself.
- 05 · Settled
It confirms and closes out
The partner sends a signed confirmation and the payment moves to settled. You are left with a complete record of what was quoted, who approved it, and how it cleared.
Every cedi is held and moved by the licensed partner. Pilotage runs the steps and keeps the record; it never touches your money. The full workflow is built and proven on a live test network, with real-money settlement gated behind partner contracts and licensing.
The supplier is paid, and you can see exactly what it cost and who approved it.
One record holds the quote, the approval, and the partner receipt. You saw the rate and the route before you committed to them.
Figures are labelled by how they were established. Targets and illustrative values are not measured production results.
The rate you approve is the rate that settles.
Pilotage is pre-pilot. The full workflow is built and the settlement plumbing is proven on a live test network, with real-money settlement gated behind partner contracts and licensing.
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An API platform for stablecoin payment operations (quotes, wallets, ledger, on/off-ramp, and compliance) with the regulated pieces plugging in at defined adapter boundaries. Testnet today; the first corridor is Ghana GHS→USDC.
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