PayGidi is an AI-powered escrow and trust infrastructure for modern African commerce.
It enables secure payments between buyers and businesses by holding funds in escrow, verifying merchants through KYB checks, and using AI-driven trust scoring to determine when and how payments are released.
Trust is a major barrier in African digital commerce.
- buyers fear fraud from unknown merchants
- businesses struggle with payment disputes and delayed payouts
- existing payment systems do not adapt based on risk or behavior
PayGidi introduces a dynamic trust layer on top of payments.
Instead of releasing funds immediately, PayGidi:
- holds payments in escrow
- verifies businesses using KYB and identity checks
- evaluates risk using AI trust scoring
- releases funds only when trust conditions are met
- buyer sends payment to a merchant
- funds are held securely in escrow
- merchant completes verification (KYB + identity checks)
- AI assigns a trust score based on behavior and risk signals
- funds are released, held, or flagged based on risk level
- escrow-based payment system
- KYB (Know Your Business) verification
- AI trust scoring engine
- transaction risk analysis
- dispute resolution system
- conditional fund release logic
To become the trust layer for African digital commerce, enabling safe, transparent, and intelligent financial interactions between buyers and businesses.
- simple and minimal fintech UI
- no unnecessary complexity
- clear visibility of trust states
- user-friendly explanations for all decisions
- mobile-first application (Flutter)
- backend orchestration for payments and escrow logic
- AI-driven risk engine
- integration with payment infrastructure providers
For detailed technical information, architecture diagrams, and service-specific guides, please refer to:
Proprietary