Visit Africa (govisit.africa) aims to become a pan‑continental travel marketplace that aggregates tours, activities and destination content across Africa. By adopting wallet‑first rails through UbuntuLink, the platform could let travellers pay with mobile‑money, USSD or QR, while an automated split‑engine would deduct commissions and taxes before forwarding the balance to partners the same day. This approach is expected to improve checkout conversion, accelerate partner liquidity and eliminate card‑scheme chargebacks.

1 · The challenges Visit Africa wants to solve

• Local payment gaps – Current card‑only check‑outs deter travellers who rely on wallets such as M‑Pesa or MoMo.

• Slow partner settlements – Lodges and guides often wait a week for ACH, limiting working capital.

• High FX costs – Cross‑border supplier payouts via SWIFT add 3–4 % in spreads and fees.

• Refund friction – Card refunds can take weeks, clashing with emerging “prompt refund” rules.

2 ·  UbuntuLink‑powered flow

1. Guest books & pays via wallet, QR or USSD. Funds would land in a master wallet in local currency.

2. Automatic split‑engine could deduct commissions and taxes, tagging each line to the correct lodge, guide or agent.

3. Same‑day partner payout is intended to credit vendor wallets by midnight, reducing cash‑flow gaps.

4. Instant refunds will be able to credit guest wallets in under two minutes through a single API call.

5. Optional FX hedge can convert surplus balances to USDT/USDC at inter‑bank spreads, preserving value until suppliers request cash‑out.

3 · Anticipated benefits

• Higher conversion – Wallet‑first checkout could lift conversion in mobile‑money‑dominant markets.

• Faster liquidity – Partners would receive T + 0 settlements instead of week‑long ACH.

• Lower FX leakage – Stablecoin rail may cut cross‑border payment costs by a third.

• Reduced fraud risk – Removing card rails should eliminate chargebacks and shrink fraud losses.

About the project – Visit Africa

Launched in 2022 and operated by PaneoTech, Visit Africa’s mission is to channel more tourism spend into local communities and simplify multi‑country trip planning. The marketplace currently lists tours, lodges and experiences in 20+ destinations; further expansion and the wallet‑first payment upgrade are planned for the next release cycle.