Built by Operators Who’ve Done This Before
Higher-yield education savings for African families. Powered by regulated infrastructure.
Mission & Vision
Our Mission
Protect African families’ savings from currency depreciation by providing simple, regulated access to USD-backed yields. We believe no parent should watch their child’s education fund erode because of forces outside their control.
Our Vision
A continent where every child’s education is funded, regardless of local economic conditions. 500M+ people under 18 in Africa. The largest youth population on earth. We’re building for all of them.
Our Values
Trust
We handle your family’s future. That responsibility shapes every decision we make.
Simplicity
Powerful technology, wrapped in an experience anyone can use on day one.
Community
Built for African families, by people who understand the realities on the ground.
Transparency
Every transaction is fully auditable. No hidden fees, no black boxes.
How We’re Different
Traditional savings lose value
African currencies lose 5–40% annually against the USD. Bank savings earn 4–5% ZAR. Negative real returns after inflation. University costs rise 7–10% per year across the continent.
FutureFund protects and grows
We convert your deposits to US dollars, then grow through independently audited savings infrastructure, earning 7–15% USD annually. 72% more savings after 18 years vs a bank account.
Fully regulated, fully compliant
FutureFund holds an FSCA CASP Category II licence. Non-custodial, CIS-compliant, Travel Rule (FIC Directive 9) compliant from launch. CARF reporting live 1 March 2026.
No complexity
You’ll never see any technical complexity. FutureFund looks and feels like a regular savings app. Deposit in Rands, track growth in Rands or Dollars. Email-only auth, no seed phrases.
Supported Currencies
Core Team
Aeryn Quarmby
Co-Founder & CTO
Built Xion Global’s payment infrastructure, backed by leading fintech investors. Architect of HyperSend — the multi-network savings engine powering FutureFund. CV Labs Incubator alumni with institutional VC backing. Built e-commerce operations to $3M+ turnover. 10+ years building financial infrastructure across multiple markets.
Clayton Hayward
Founder & CEO
Group CEO of EFT Corporation (formerly Ukheshe), operating across 35 African markets with 100+ financial institutions and 100M+ end users. 25+ years launching and managing multinational technology startups. Acquired Mastercard’s Masterpass payment network in South Africa. IITPSA IT Personality of the Year finalist. Deep relationships with Standard Bank Group across 20 African markets. Built and scaled 26+ businesses.
Mark Musson
Advisor
15+ years at J.P. Morgan, Credit Suisse, and HSBC in quantitative risk and pricing. Founded Humn.ai — the industry’s first real-time exposure-based pricing for commercial motor insurance. Grew GWP by 2,000%+ and led a £10.1M Series A backed by BXR Group and Shell Ventures. Humn.ai technology acquired by Aon in 2024. Recognised as Insurtech 100 and Red Herring Europe Top 100.
Traction & Readiness
HyperSend Infrastructure
Institutional savings infrastructure deployed and live. Multi-network support for maximum reliability
Fivewest Partnership
ZAR → USD conversion. FSP + CASP licensed with SARB exchange control mandate
EFT Corp Payment Rails
Fiat infrastructure via Standard Bank. EFT, PayShap, and debit order support across 35 African markets
PWA Application
Production-ready progressive web app. Dashboard, growth projections, family sharing, and onboarding flows
Strategic Partnerships
Proven protocols and regulated financial infrastructure providers keeping your savings safe and growing.
EFT Corp
Fiat Payment Rails
Live partnership. Banking, EFT, PayShap, debit orders. Standard Bank relationship.
Fivewest
ZAR ↔ USD
Confirmed. FSP + CASP + SARB mandate + PASA + FIC licensed. Merchant account ready.
Zero Hash
US/EU On-Ramp
MiCA + MSB + BitLicense. Diaspora fiat→USD savings.
Ready to Secure Your Child’s Future?
Join families across Africa already saving in dollars and watching their children’s education funds grow. No credit card required.
Be first to know when we launch. April 2026.