OUR SOLUTION
A Digital Layer for Trusted Local Financial Networks
Payvand works alongside existing Saraf and Hawala networks, adding practical digital tools that make transactions more visible, organized and easier to document.
Organization
Payvand
Saraf / Local Network
Recipient
Clearer Records
More consistent and useful transaction records.
Financial Access Exists. Visibility Can Be Limited.
In Afghanistan and other underserved markets, trusted local financial networks provide essential financial access where traditional banking services may be limited. Organizations using these networks may still need clearer documentation, reporting, reconciliation and transaction oversight.
Better Visibility
Clearer information about financial transfers.
Reporting & Reconciliation
Better information to support reporting, reconciliation and internal oversight.
Initiate
Initiate the process with transaction details.
HOW PAYVAND HELPS
Keep the Local Network. Add Digital Visibility.
Payvand works with participating Sarafs and local financial networks rather than replacing them, adding a clearer digital record around the existing transaction process.
Connect
Connect with a participating local provider.
Record
Create a digital record of the transaction.
Complete
Complete the transfer through the network.
Review
Review record for reconciliation and oversight.
WHO WE SERVE
For NGOs & Humanitarian Organizations
Payvand is being designed to help NGOs manage transactions in locations where traditional banking services may be limited.
- Clearer transaction records
- Improved field-level visibility
- Better financial reconciliation
- Stronger donor reporting
- Easier coordination with participating Sarafs
- More consistent internal documentation
For Sarafs
Sarafs bring local knowledge, trusted relationships and financial access to communities and organizations. Payvand supports the work they already perform with practical digital tools.
- More organized transaction records
- Improved professional documentation
- Opportunities to work with institutional clients
- Stronger relationships with NGOs and businesses
- Digital tools that support existing services
- Greater visibility among potential partners
For Businesses
Businesses operating in underserved markets may need to pay employees, suppliers, contractors and local partners. Payvand can help businesses work through local financial networks while maintaining more organized transaction records.
- More organized transaction records
- Greater visibility over financial transfers
- Clearer documentation
- Better financial oversight
For Donors
Donors need confidence that financial resources are transferred responsibly and documented clearly. Payvand is being designed to improve the visibility of transactions conducted through local financial networks.
- Clearer transaction information
- Improved reporting support
- Stronger audit preparation
- Better financial visibility
- Greater confidence in local delivery systems