Arayo

Pay your suppliers in China without the wait

China supply chain payments decide whether your goods ship. A supplier in Shenzhen will not release the order until the payment clears, and a cross-border wire from Lagos or Dubai can take days. Arayo settles supplier payments to China in minutes, with the rate locked when you fund and every payment traceable from your account to the supplier.

China supplier payment delays

Slow payment is a held shipment

When you import from China, every day the payment spends in transit is a day your supplier waits before producing or shipping. Meanwhile the FX rate moves against the price you quoted, and your supplier sees nothing because their bank shows nothing. For importers buying from China into Africa and the Gulf, those corridors are exactly where mainstream payment providers are slowest and most expensive.

What changes with Arayo

Settlement in minutes

Settlement in minutes

The supplier is credited the same day, so production and shipping start now.

One locked rate

One locked rate

The all-in FX rate is fixed when you fund. Your landed-cost calculation stops being a guess.

Proof for both sides

Proof for both sides

A shared, timestamped payment trail. The supplier can see the payment is on the way, so the "have you paid yet" messages stop.

Pay deposit and balance cleanly

Pay deposit and balance cleanly

Each payment is tracked against its own reference, so a 30 percent deposit and 70 percent balance stay reconciled.

Hold the currency you trade in

Hold the currency you trade in

Collect or hold USD, then pay the next USD invoice without converting twice.

Built for Africa-China and Gulf-China trade

The fastest-growing import lanes are not the ones banks optimise. Arayo's deepest coverage includes the corridors carrying African and Gulf importers' money into China, with payout that lands fast on the China side. [INTERNAL LINK: /network] [DETAIL: confirm China payout method and partner]

Africa-China and Gulf-China trade
Held and conditional supplier payments

Held and conditional supplier payments (roadmap)

Paying a supplier only when the shipment is verified, or holding the balance in escrow until inspection, is on the Arayo roadmap and available today through licensed partners. [ROADMAP: confirm scope and timeline]. Arayo currently provides the fast, traceable, FX-locked payment. We will label clearly what is Arayo and what is partner-provided.