Inflowpay

Inflowpay provides a payment processing platform to facilitate transaction efficiency for businesses in emerging markets. Founded in 2024 by Hanafi Issahnane and Danny Ba, the Paris-headquartered company aims to simplify global commerce for merchants facing challenges with traditional payment service providers (PSPs). Hanafi Issahnane has a background in e-commerce, while Danny Ba is a blockchain technology expert who previously worked for the French government. Their combined experience addresses the financial hurdles and technical gaps in cross-border payments.

The company leverages blockchain as its financial infrastructure to offer a secure, fast, and more affordable alternative to conventional payment systems. Inflowpay's business model centers on charging a small transaction fee for each payment processed, while access to the platform itself is free. This structure is designed to reduce the high costs associated with cross-border transactions, which can be a significant barrier for small and medium-sized businesses (SMBs). The platform's target market includes online businesses, e-commerce stores, SaaS companies, freelancers, and agencies in emerging markets in regions like Africa, Asia, and the Middle East that need to accept payments from clients in the EU and US.

Key features of the Inflowpay platform include a self-custodial merchant account model that gives businesses full control over their funds, mitigating the risk of account freezes common with traditional PSPs. It also offers near-instant settlements, with transactions clearing in minutes rather than days, and direct bank payments that eliminate intermediaries and their associated fees. The platform integrates technologies such as stablecoins and open banking and supports both Web2 and Web3 applications. For clients, the system is designed for simple integration, shareable payment links, and easy fund withdrawal in local currencies. In April 2025, Inflowpay raised €1.1 million in a pre-seed funding round from investors including Plug and Play, Gnosis, and Alliance Accelerator.

Keywords: cross-border payments, emerging markets, blockchain payment, financial technology, self-custodial wallet, payment processing, transaction efficiency, low-cost payments, fast settlement, SMB payments, global commerce, open banking, stablecoin integration, payment gateway, merchant accounts, Hanafi Issahnane, Danny Ba, e-commerce payments, freelancer payments, payment links