Member Platform
American
Freedom Resources Opportunity
Freedom Resources Opportunity
A.F.R.O. Dollar Money
Power of Choice
Power of Community
Power of Community
Forgot PIN? Reset via SMS
Member Enrollment
Create Your AFRO Wallet
Free to join. No bank account required. Open to all community stakeholders — residents, businesses, churches, and nonprofits — banked, unbanked, and underbanked.
Step 1 — Account Type
👤
Personal – USA
US individual or family · Digital ADD
🌍
Personal – Foreign
Non-US individual · Digital AFR · cross-border · 190+ countries
🏢
Business-USA
US-registered business, LLC, or sole proprietor
🌍
Business Foreign
Non-US business · Digital AFR · 190+ countries
⛪
Nonprofit / Faith (US)
0% giving fees forever · EIN required
🌍
Nonprofit / NGO (Foreign / Outside US)
0% giving fees · registered outside the US · Digital AFR
💼
Investors
SEC Reg A shares · membership included
EARN REWARDS
Invite a Friend to Join
Set aside Ȿ20 — they get it when they join
★
Send
Receive
Deposit
More
Send by Photo™
Send →
Loading your contacts…
Recent Activity
All →
Received from Amara
ADD P2P · Today 09:40
+Ȿ 250
Settled
Kente Market
ADD C2B · Today 08:15
−Ȿ 100
+Ȿ1 cashback
MoneyLock™ → Kente
MoneyLock ADD · Yesterday
Ȿ 500
🔓 Unlocked
Sent to Lagos Market
AFR P2P · 2 days ago
−Ȿ 200
Settled
Ȿ
Step 2 — Who are you sending to?
Send by Photo™ — tap a contact
Browse all
Maria
Jennifer
Samuel
Grace Ch.
Kente Mkt
James W.
📷
Scan QR
+
New
Digital ADD
AFRO Digital
Dollar
Dollar
Digital AFR
American Freedom
Reserve Dollar
Reserve Dollar
Digital ADD — USMCA
3 Countries
🇺🇸
United States
🇨🇦
Canada
🇲🇽
Mexico
USMCA closed-loop · $1 = Ȿ1 · 100% backed · Spend with AFRO merchants in all three nations · Exit to local currency off-platform
🔓
Standard
Spendable immediately
🔒
MoneyLock™
Locked until code entered
1% fee applies
✓ Free to Send
Standard ADD send — no fee
Your note is visible to the recipient · Keep a record of what you sent
—
—
✓ Verified AFRO Member
Scan to Send Me AFRO
Choose your QR style (used every time — print & reuse):
Plain
Name
+ Name
+ Picture
Name
Name + Pic
Sender points their camera at the QR — it opens
payafro.money with your profile ready to send to
payafro.money with your profile ready to send to
What happens when they scan
1️⃣ Camera scans QROpens payafro.money
2️⃣ Your photo loads✓ Auto-filled
3️⃣ Your name loadsYour name
4️⃣ Your AFRO ID loadsAFRO XXX-XXXX
5️⃣ They enter amountTap Send — done
All
Received
Sent
🔒 MoneyLock™
AFR
Today — April 5
MoneyLock™ — Pending Release
MoneyLock from Maria Rivera · 09:40
+Ȿ 250
Tap to Release →
Received from Maria Rivera
ADD P2P · 09:40
+Ȿ 250
Settled
Kente Market
ADD C2B · 08:15
−Ȿ 100
+Ȿ1 cashback
April 4
MoneyLock™ — Unlocked
MoneyLock → Kente Mkt · 14:37
Ȿ 500
🔓 Released
Sent — Lagos Market
AFR P2P · 11:20
−Ȿ 200
Settled
April 3
Grace Community Church
ADD Giving · 10:00
−Ȿ 50
0% fee
Deposit — ACH
Bank → ADD Wallet · 09:00
+Ȿ 1,000
Free
✓ 100% Cash-Backed · Highly Liquid
Your wallet is backed 1:1 by USD held in reserve by A.F.R.O. parent. We accept ACH, wire, and direct deposit. No chargebacks. No reversals. Your reserve is always whole.
Your wallet is backed 1:1 by USD held in reserve by A.F.R.O. parent. We accept ACH, wire, and direct deposit. No chargebacks. No reversals. Your reserve is always whole.
1:1 Reserve Backing
$1.00 USD = Ȿ1.00 AFRO
100% backed · Always
🛡️
$
Personal & Consumer
🏦 ACH Bank Transfer
Free · 1–3 business days
▼
💳 Debit Card Only
No loading fee · Instant · No credit cards accepted
▼
📱 Apple Pay / Google Pay
1.5% fee · Debit-funded only · Instant
▼
🏛 Wire Transfer
Free · Same business day · Via Wells Fargo
▼
🪙 USDC / Stablecoin
0.5% deposit fee · Instant · Via Circle
▼
Government Benefits & Payroll Direct Deposit
✓ Always Free — No deposit fee ever on government benefits, tax refunds, or payroll direct deposit into your AFRO wallet
🏛 Social Security · SSI · SSDI
Free · Set up in minutes · Replaces your bank account
▼
🛒 EBT / SNAP Benefits
Free · Food assistance · State benefits
▼
💰 Tax Refund — IRS & State
Free · Federal & State refunds
▼
💼 Payroll & Salary
Free · Any employer · Private & government
▼
🎖 VA & Veteran Benefits
Free · VA disability · GI Bill · Pension
▼
Business & Merchant
🏪 Business ACH / Wire
Free · Load business operating funds
▼
—
—
✓ KYC Verified
L1 Standard
📷 Photo Active
ADD BalanceⱾ 4,820.00
AFR BalanceⱾ 1,200.00
Locked FundsⱾ 0.00
Cashback EarnedⱾ 48.50
Member SinceJan 2025
Privacy & Security Level
Level 1 — Standard
Free
Upgrade →
Profile Photo
✓ Active — Send by Photo™ enabled
Others can send to you by tapping your photo
Update →
Require PIN for each payment
Turn on before lending your phone
Sent!
Your AFRO has been sent successfully.
To—
Amount Sent—
Payment Currency—
TypeStandard Send
FeeFree
🔒
Locked Payment for You
Ȿ0.00
Sent to you by
—
Your Current Balance
—
After Release
—
—
How MoneyLock™ Works
The sender locked these funds using AFRO MoneyLock™. To release them to your wallet, enter the 5-digit code the sender gave you — after you have inspected the goods or confirmed the agreement.
Enter 5-Digit Release Code
MoneyLock™ protects both parties. Only release funds when you have confirmed receipt of goods or services.
After 3 failed attempts the lock is temporarily frozen for security.
Contact support@AFRODollar.money if you need assistance.
Funds Released!
Your MoneyLock™ payment has been released and credited to your wallet.
Released to You—
Sent by—
Status✓ Added to Your Wallet
✓ MoneyLock™ complete. Funds are now in your AFRO wallet and available to send or spend.