Abstract
Introduction
DLT
Ecosystem
Case Study
Platforms
Tulu Chain
Tulu Coin (TLC)
Next level
Readiness & Launch
Market Entry
ConclusionPLATFORMS
PAPSS
How Tulupay Can Complement Other Financial Providers – Case Study
What is PAPSS?
The Pan-African Payment and Settlement System (PAPSS), backed by Afreximbank, is a centralized platform for instant cross-border payments in local currencies.
PAPSS Challenges
Slow merchant adoption – Relies on bank integrations, excluding mobile money & fintechs.
Limited innovation – No smart contracts, DeFi, or digital asset support. –
Dependence on traditional banking – SMEs and unbanked users still face barriers
How Tulupay Complements PAPSS
1. Extends PAPSS to Mobile Money & Crypto
Tulupay’s interoperability layer connects PAPSS to M-Pesa, MTN MoMo, and
stablecoins, bringing in unbanked users.
2. Enables Smart Contracts for Trade
While PAPSS handles fiat settlements, Tulu Chain can automate trade finance
(e.g., escrow, invoice financing).
3. Liquidity Optimization
PAPSS relies on pre-funded nostro accounts. Tulupay’s DeFi pools can
supplement liquidity for rare currency pairs.
4. CBDC & Digital Asset Support
If African central banks issue CBDCs (e.g., eNaira, e-Cedi), Tulupay can be
the settlement layer between PAPSS and digital currencies.
Synergy Opportunity
PAPSS = Centralized, bank-driven large-scale settlements.
Tulupay = Decentralized, inclusive retail & SME transactions. –
Together, they form a complete African financial infrastructure.