Trust · Licensed partners

How we work with licensed partners.

AXK provides the verified trade record and the orchestration around it. Banks, payment providers and lenders provide the regulated services, under their own licences.

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Roles

Who does what

Partner	The partner	AXK
Partner banks	Hold accounts, examine documents under collections and letters of credit, execute cross-border and domestic payments, provide FX.	Compiles the document set against the contract, sends ISO 20022-aligned instructions, reconciles each payment to the trade.
Mobile-money and payment providers	Deliver payouts to producers, workers and suppliers across markets under their own licences.	Allocates proceeds to the cent, sends per-beneficiary instructions, tracks each leg to receipt.
Lenders and development finance institutions	Make every credit decision: pre-export, warehouse-receipt and receivables finance.	Provides borrower-consented evidence: contracts, inspections, custody, warehouse receipts and settled payments.
Inspectors, warehouses and collateral managers	Issue weight and quality certificates, warehouse receipts and collateral attestations.	Records each document with its issuer, time and integrity hash, linked to the lot it covers.

Principles

The rules we hold ourselves to

Funds stay with licensed institutions

AXK does not take deposits, hold client money, lend or issue cards. Every balance and payment sits with a named regulated partner.

Regulated activity follows the licence

Each partner operates under its own authorisation. Integrating with AXK does not transfer a partner's permissions to AXK, or ours to them.

Due diligence both ways

Partners are onboarded with documented reliance boundaries, KYB and AML/CFT responsibilities, data-protection terms and incident ownership.

Market by market

A payment or finance service is offered in a market only once the partner contract, regulatory advice and tested workflows are in place.

AXK Network is a technology platform of Afrikabal Inc. It is not a bank and does not itself take deposits, lend or hold customer funds. Accounts, payments, FX, cards and finance are provided by licensed partners, subject to jurisdiction, eligibility and contract.