October 2025: UNICEF beneficiaries in Sudan are onboarded to Paycode's biometric digital identity and offline payments platform. Fragile and conflict-affected states (FCS) are home to more than one billion people. In these environments, payment systems face relentless shocks - power outages, damaged telecoms, cyberattacks, destroyed banking infrastructure, and political fragmentation. When payments fail, the consequences are immediate: humanitarian aid stalls, salaries cannot be paid,...

Paycode enables Central Bank Digital Currencies to work offline in real time As central banks around the world race to explore the potential of Central Bank Digital Currencies (CBDCs), one recurring question dominates the conversation: can CBDCs truly solve the longstanding barriers to financial inclusion? At Paycode, this question is not theoretical. Over the past two years, we have successfully demonstrated to two leading West African banks how offline CBDC transactions can function...

Image Credit: Consult Hyperion - D G W Birch As central banks explore the future of money, one question looms large: how can digital payments work offline? For billions of people who live or work in areas with little or no connectivity, online-only systems like instant payment schemes or mobile banking apps are simply out of reach. Yet true financial inclusion - and the long-term success of central bank digital currencies (CBDCs) - depends on solving precisely this challenge. A recent paper ...