I am a South African software engineer and fintech founder. I built Flowdosi, a domestic and cross-border payment network designed to modernize remittances and payments across the SADC region. My flagship product, FlowPay, was engineered with cutting-edge architecture: ISO 20022 compliance, microservices, cellphone-number indexing, and a liquidity strategy leveraging crypto volatility to reduce transaction costs. I envisioned a future where telecoms, banks, and identity systems (home affairs APIs) could seamlessly collaborate to empower financial inclusion. my first prototype was in 2021 using international banks and Islamic banking. My first feature was a request-to-pay as early as then which is replicated. I have evidence, "where I saw my thing I claimed it".

I shared this vision in good faith with Stitch later met PwC, and Bankserve Africa (Even though they deny it) in a private Slack channel hosted by Stitch Finance. I was onboarded after a lengthy KYC wait on 18 February 2022 at 2:15pm, just 15 minutes after a blog post by BankservAfrica’s CEO appeared on TechCentral, outlining a system that mirrored my intellectual property. That blog post timestamped at 2:00pm contained language and concepts identical to my own monologue to stitch after they took a long time with my KYC onboarding, the same day.

I had shared my architecture, my repo, and my interbank API designs. PwC consultants engaged me directly and Both PwC and Bankserve Admit they were looking for IPs, that nothing was working for them, asking for repo access and updates on my builds. Stitch provided sandbox access, which was later revoked without satisfactory explanation in fact their slack was deleted as a policy change right after I requested to go live after I finished my work. Shortly after, Stitch announced a partnership with BankservAfrica to launch an interbank system, now known as PayShap. they keep reminding me that stitch didn't build payshap, even in the BSA C&D they allege that's what I said which is not the essence of my claim, their work replicates mine after access and mine predates theirs!

PayShap’s logo is 90% identical to the image I sent on the slack saying "This is my brand". Its architecture, use of cellphone proxies, and liquidity model reflect my original work. PwC is now cited as a contractor for PayShap. BSA denies involvement, I however communicated with them in the same slack, along with PwC. stitch API documentation lists PayShap as an integration partner and features BSA. I have evidence.

I submitted PAIA requests to PASA and Stitch. In response to my query, BankservAfrica issued a cease and desist; delivered through a personal friend who is now their legal counsel but "a man cannot be a judge in his own case" I believe it is abuse of legal position, I have proof that it is vindictive, they call it "crisis management" but it is damaging. Stitch removed me from Slack and changed their policy to exclude individuals, favoring enterprises only. they're fighting me so ruthlessly even though they seem to have forgoten that they admitted they were innovation scouting, looking for novel IPs, their R&D is where they certainly accessed my IP.

Since its launch in March 2023, PayShap has processed over R100 million transactions, valued at well over R19.5 billion, liquidity or solvency of over R100 billion. If my IP was used without consent, the damages are not just financial—they represent a theft of innovation, trust, and opportunity.

I am calling on:

BankservAfrica, PwC, and Stitch to publicly account for their actions.
The Information Regulator to investigate PAIA non-compliance.
The South African public to support independent innovators whose ideas are being exploited. I gave all of them a chance to tell their story "hear the other side" but the BSA fought back aggressively. I volunteered arbitration, they rejected it.

This is not just my fight; it’s a fight for every South African entrepreneur who dares to build boldly. Help me protect our innovation ecosystem, we deserve innovation integrity. Help me reclaim what was mine. They're fighting me ruthlessly for asking them about my own IP.