Building the Hybrid Financial Infrastructure for South Africa's Real Economy.
VAYA connects the taxi and bus industries with a secure, efficient, and inclusive financial and operational platform – bridging the gap between cash and digital.
The Opportunity
The Physical Cash Challenge
South Africa's vital R900bn informal economy, especially transport, relies heavily on cash. This creates major hurdles that VAYA pragmatically solves.
Security Risks
Carrying large amounts of cash makes operators and drivers constant targets for crime, especially in high-risk environments.
Operational Inefficiencies
Manual cash handling, counting, and reconciliation take significant time and effort, leading to errors and revenue leakage.
Financial Exclusion
Cash transactions leave no digital footprint, making it difficult for operators to access loans, insurance, and other formal financial services.
Our Integrated Solution
The VAYA Hybrid Platform
VAYA offers a unique, vertically integrated system combining secure physical infrastructure with powerful digital tools, built specifically for the realities of the cash-based transport market.
Secure Physical Kiosks
Our kiosks feature SABS CAT 4 automated cash vaults from Cashaccsys, locally manufactured for robust security and supply chain reliability. Operators deposit cash safely, transferring risk immediately.
Universal, Instant Settlement
Using our proprietary system developed with Paypoint, deposited cash reflects in the operator's account at ANY South African bank in under 15 minutes (6am-8pm daily). Unmatched liquidity and convenience.
Vaya Connect Software
The heart of our system, hosted on Google Cloud. It manages secure deposits, integrates vault data, provides operators 24/7 access to reports via a client portal (mydeposit.vayaafrica.co.za), and offers powerful analytics.
Additional Services
Beyond Cash Management
Leveraging our infrastructure, VAYA provides essential financial services and acts as a key partner for the broader financial ecosystem.
Vaya Money Market
Our kiosks act as community financial hubs, offering Value-Added Services (VAS) powered by Paypoint. We capture the vital remittance market and provide everyday essentials:
- Low-cost Cross-Border Money Transfers
- Domestic Money Transfers (incl. cash send redemption)
- Bill Payments (municipal, traffic fines, etc.)
- Prepaid Services (airtime, data, electricity)
- Digital Wallet Top-ups & Voucher Redemption
- Ticketing & Betting Services
Banking-as-a-Service
VAYA's universal, near-instant deposit network is a powerful asset. We provide essential "cash-in" infrastructure for new digital and challenger banks lacking a physical footprint.
This B2B service allows their customers to conveniently fund accounts via our kiosks, positioning VAYA as a strategic partner to the future of South African banking.
Market & Traction
Proven Validation in a Massive Market
Servicing the taxi industry, the indispensable circulatory system of the economy.
Successfully expanding into the bus market, validating the Vaya Connect platform's versatility across transport modes.
Gauteng Focus & Bus Expansion
Our initial focus is Gauteng's dense taxi market (over 31,000 operators). We are now actively expanding nationally based on demand.
Crucially, VAYA has secured contracts with 20 cross-border buses, proving our model's flexibility and unlocking significant new revenue streams from booking fees and cash deposits.
Competitive Advantage
Why VAYA Succeeds: The Pragmatic Moat
Many have tried to force cashless solutions onto the informal market and failed. VAYA thrives by understanding and respecting the market's reality, while also preparing for the future.
Embracing Cash
We don't fight cash, we service it. Our secure cash management solves operators' biggest immediate problem, building trust.
Unmatched Utility
Near-instant (<15min) settlement to ANY bank account provides unparalleled liquidity and convenience operators can't get elsewhere.
Integrated Ecosystem
Our vertical integration (software, hardware, payments) creates a sticky platform addressing multiple operator needs.
Community Hub
The Vaya Money Market transforms kiosks into essential financial service points, driving adoption and revenue.
Cashless Ready
With our custom-built speedpoints integrated into Vaya Connect, we are fully prepared to facilitate cashless transactions tailored for the informal market when the time is right.
Investing in Scalable Digital Transport Infrastructure
Join us in building the dominant financial and operational platform for South Africa's transport ecosystem, driving strong financial returns and profound social impact.