We built Subpadi because Africa deserves better.
Better access to global finance. Better tools to receive, convert, and move money. Better infrastructure that treats people with respect, not suspicion.
Where we come from
Subpadi is built by RIF Africa, a technology company founded in 2013 with a simple belief: that the tools people in Africa use to manage money should be just as powerful, just as reliable, and just as respectful as anywhere else in the world.
For over a decade, RIF Africa has served businesses and individuals across the continent, building products that work in the real conditions people face every day. Subpadi is the next step in that journey: a single interface that connects you to licensed financial infrastructure for receiving, converting, and spending money across borders.
We are not a bank. We do not hold licences ourselves. Instead, Subpadi connects you to regulated providers who do, and we focus on making that experience simple, transparent, and human.
What we stand for
Transparency first
You see the rate, the fee, and the total before you confirm. No hidden charges, no fine print that changes after you tap "send".
Built for real people
Not for traders. Not for institutions. For freelancers, families, small businesses, and anyone who needs money to move without unnecessary friction.
Africa, connected
We are building for the continent. Receive from anywhere, convert between currencies, pay bills, and grow your business, all from one place.