Inclusive Financial Technology Foundation

We promote open financial technologies to foster social and financial inclusion globally, connecting under-served communities with the tools they need to thrive in today’s digital economy.

Inclusion
Global remittances

Remittances

Our initial efforts are centred on enabling compliant inward remittances into multiple regions, where financial inclusion gaps remain significant. By working with trusted institutional partners and leveraging stablecoin and fiat corridors, we aim to make cross-border transfers faster, more affordable, and more transparent.

Migrant communities play a crucial role in supporting families back home, and remittances form a vital part of many national economies. Our infrastructure and partnerships are designed to support these flows at scale while meeting regulatory and operational standards.

Xahau Logo

Xahau is our network of choice for remittance flows. Its programmable, account-based architecture allows compliant logic to run on-ledger, supporting transparent reporting, faster settlement, and reduced operational overhead for regulated institutions and payment partners.

Key Remittance Partners

COOP Bank of Oromia logo

Partnering with COOP Bank of Oromia to enable inward remittances and digital financial inclusion initiatives across Ethiopia.

TerraPay logo

Collaborating with TerraPay to leverage stablecoin and fiat corridors for low-cost, compliant remittances.

Multilateral Partnerships

African Union Peace Fund logo

African Union Peace Fund

We support the African Union Peace Fund by exploring compliant digital remittance rails and contribution mechanisms for diaspora communities. The goal is to improve transparency and reduce costs while aligning with regulatory requirements across jurisdictions.

Organisation of Southern Cooperation logo

Organisation of Southern Cooperation

As an associate member of the Organisation of Southern Cooperation (OSC), we focus on enabling inclusive digital public infrastructure and capacity building across the Global South. Our work centres on open standards, resilient payments infrastructure, and knowledge transfer to accelerate sustainable and equitable access to finance.

Partner

Partner with us

We invite regulators, banks and financial institutions, and licensed remittance providers to explore low-cost, compliant remittance solutions beneficial to local economies and supportive of foreign exchange balances.

Read more in our article on macro, compliance, and stablecoins.

Contact us at : [email protected]

Our main areas of work

Research and development

  • Developer relations
  • Funding and resources for core software development
  • Software branding, packaging, and distribution
  • Data and analytics driven decision making
  • Fraud monitoring and prevention

Reliable access to Xahau

  • High-availability servers for 24/7/365 access to query full ledger history or submit transactions
  • Monitoring and live data
  • Mentoring for infrastructure providers
  • Publishing a UNL

Social impact

  • Engaging businesses, non-profits, and regulators to broaden social impact
  • Identifying and funding showcase projects with high social impact
  • Collaboration with educational institutions

Connections

  • Connecting diverse stakeholders to cultivate a thriving Xahau ecosystem
  • Strategic, coordinated engagement to further Xahau adoption
  • Collaboration with businesses and universities
  • Fundraising

Scholarships and Research Grants

InFTF has provided over 100 scholarships to students from various nationalities and disciplines for higher studies. We also support non-profit organisations that help under-resourced communities reskill into better employment.

  • Energy generation and trading
  • Legal training for the digital age
  • Addressable devices for payments
  • Additions to the core technology of The Xahau Ledger

Watch our video showcasing our collaboration with TalTech

Scholarships and Research Grants — click to watch

The Xahau Launch Documentary

Xahau: The Launch thumbnail

Explore the launch of Xahau, a pioneering blockchain featuring account-based programmability through Hooks. This capability unlocks a wide spectrum of use cases and decentralized business logic.

Meet people from Estonia, Malta, The Netherlands, Spain, and Denmark as they share their unique stories. Learn how Xahau’s launch differentiates it in the broader blockchain landscape.