SEC Regulation A · File No. 024-11905

The Closed-Loop Digital AFRO Network for Payments, Giving & Community

Afro Dollar Money (ADM) is a closed-loop digital currency network operating on two rails — ADD for US domestic payments and AFR for cross-border transactions across 54+ African nations. $1 USD = Ȿ1 AFRO. Always 100% backed.

Open Your AFRO Wallet → How It Works
Ȿ 4.2M
In Circulation
100%
USD Backed
54+
Countries · AFR Rail
0%
Church & Nonprofit Fee
Two Currency Rails
Digital ADD & Digital AFR
Both are equal to Ȿ1 AFRO. USD never converts inside the ADM platform — merchants request bank settlement when ready.
ADD
AFRO Dollar Digital
US domestic rail for everyday payments, shopping, giving, and peer-to-peer transfers. Works anywhere in the ADM network — no bank account required.
✓ P2P transfers — free
✓ Merchant payments — 0.5%
✓ Church & nonprofit giving — 0%
✓ 1% cashback on every purchase
AFR
American Freedom Reserve
Cross-border rail for remittances and commerce across 54+ African nations. Faster and far cheaper than traditional wire transfers.
✓ International P2P — 0.25%
✓ Cross-border merchant — 0.75%
✓ Church & nonprofit giving — 0%
✓ 54+ African nations supported
Transparent Pricing
Simple, Honest Fee Structure
No hidden fees. No monthly account fees. You only pay when you transact.
Transaction Type
ADD Rail
AFR Rail
Person to Person (P2P)
Free
0.25%
Customer to Merchant (C2B)
0.50%
0.75%
Business to Business (B2B)
0.80%
1.00%
Church & Nonprofit Giving
Always Free
Always Free
ACH / Wire Deposit
Free
—
Debit Card Deposit
1.50%
—
Merchant USD Settlement (exit)
3.50% flat — merchant's bank converts AFRO→USD
Getting Started
How It Works
Open your AFRO wallet in under 3 minutes. No credit check. No minimum balance.
1
Create Your Wallet
Sign up with your name, phone, and email. Get a unique AFRO ID and 6-digit member number instantly.
2
Fund Your Account
Deposit via ACH (free), debit card, Apple Pay, Google Pay, or USDC stablecoin. $1 = Ȿ1 always.
3
Send & Receive AFRO
Pay merchants with QR code or member number. Send AFRO to anyone in the network instantly.
4
Earn Cashback
Earn 1% cashback on every merchant purchase. Apply it to future payments, giving, or withdraw.
Church & Nonprofit
Zero-Fee Giving
Every dollar given goes to the organization — no platform fee, ever.
⛪
100% of Every Gift Reaches the Organization
Tithes, offerings, donations, and gifts to churches, nonprofits, associations, and diaspora organizations are processed at 0% ADM fee. Automatic tax receipts with EIN on every transaction. Annual tax statement generated every January.
✓ 0% Fee on All Giving — ADD & AFR Rails
Join the Network

Ready to Open Your AFRO Wallet?

Join thousands of members using Afro Dollar Money for everyday payments, cross-border transfers, and community giving. Free to join. Free to receive. Free to give.

Open My Wallet — It's Free → Read the Offering Circular
Afro Dollar Money Inc. · Chicago, IL · SEC Regulation A Offering · File No. 024-11905
Closed-loop stored value · FinCEN MSB exempt · $1 USD = Ȿ1 AFRO · Always 100% backed