raio — a Pix-inspired instant-payment foundation for African rails

An instant-payment foundation, built in the open — for African rails and interoperability.

raio learns from Brazil's Pix — alias-based pay-to-key, 24/7 instant transfer, the "copia e cola" QR — and packages those ideas as a correct, federatable foundation. It is currency-aware (the major African currencies, incl. the zero-decimal CFA franc zones) and standards-aware (EMVCo QR, ISO 20022, the GSMA Mobile Money API, PAPSS). It is not a bank. It ships the root-of-trust types and the trait seams; the community builds the rails.

$ git clone https://github.com/andrewSarr/raio

$ cd raio

$ cargo test --workspace

$ cargo run --example settlement_demo # resolves an alias, settles R$25, prints a BR Code

Scope

What raio is — and isn't.

A foundation, deliberately small. Everything on the right is intentionally left to deployments and the community.

Is

✓a currency-aware Money type (African currencies, incl. zero-decimal) with checked integer arithmetic
✓an append-only, double-entry ledger model
✓a SettlementProvider trait + a naive example
✓Pix BR Code and EMVCo QR codecs (EMV TLV + CRC16-CCITT), pure and fuzzable
✓a foundation designed for African rails & interoperability, community-extended

Isn't

×a float-based money lib
×a hosted ledger service
×a central bank / custody provider
×a wallet app
×a turnkey payment product