Payments & Fonbnk Integration

LearnWay enables financial inclusion across emerging markets by allowing students to deposit fiat (to buy study credits/USDT) and withdraw reward earnings (Gems/USDT) straight into local bank accounts or mobile money wallets.

Supported Fiat Currencies & Channels

Currency	Country	Supported Channels
NGN	Nigeria	Bank Transfer, USSD
KES	Kenya	M-Pesa Mobile Money
GHS	Ghana	MTN Mobile Money, Vodafone Cash
UGX	Uganda	Airtel Money, MTN
ZAR	South Africa	EFT Bank Transfer
BRL	Brazil	PIX Instant Payment

Off-Ramp Workflow (Cashing Out)

Security & Webhook Verification

Every webhook payload from Fonbnk is cryptographically validated using HMAC SHA-256 signatures via FonbnkWebhookGuard. Replay attacks are prevented via timestamp checks and idempotent order processing.