¥UAN
MADE EASY.
tewo loads your own Alipay wallet with CNY — paid from Naira, Cedi, Shilling or Rand. From there you spend on tuition, rent, food, transport on Alipay's own rails. One app, one wallet.
🇳🇬
🇬🇭
🇰🇪African students.
Chinese campuses.
Lost your home SIM the day you landed in Beijing? Bank back home only takes Naira? Parents wiring through agents at 8%? tewo is the on-ramp into your own Alipay so you can stop juggling.
- Verify with 🇨🇳 +86 or your home number — your call
- Family back home funds you in NGN / GHS / KES / ZAR
- Funds land in yourAlipay, not someone else's
- Spend onward yourself on Alipay's native rails
+86 verification
No home SIM needed
From your local currency to your Alipay,
in three taps.
Sign in with Alipay
Your Alipay account is the wallet we'll fund. One OAuth grant doubles as sign-in and payout-account binding — we never need a separate recipient form.
Family funds the order
We issue a virtual account in NGN (Flutterwave) or GHS (Paystack). Sponsor pays from any local bank app. We watch the deposit land.
CNY in your Alipay
Alipay Merchant Transfer disburses straight to your open_id. Spend on tuition, rent, food on Alipay's own rails afterwards — that part is on you.
African leg
- Flutterwave (NG)
- Paystack (GH)
Domestic rails. Sponsor pays in local currency. No cross-border on this leg.
tewo backend
- better-auth · Alipay OAuth
- Prembly KYC
- Quote engine · 5-min lock
Holds the bound Alipay open_id and the rate. Idempotent reconciliation.
Chinese leg
- alipay.fund.trans.mytransfer
- biz_scene = DIRECT_TRANSFER
Payee = signed-in user's own open_id. Never a third party.
Wherever you study.
tewo works regardless of campus — once your Alipay is bound, your CNY arrives where your wallet lives. Below: the partner schools we launched with.
Built around Chinese
payment regulation.
Chinese cross-border payment rules are strict for good reason — and they shape every architectural decision in tewo. Here's the explicit set of measures we run.
Only the signed-in user's own Alipay
Every payout's payee is loaded server-side from user.alipayOpenId, captured at Alipay OAuth. The client cannot specify a recipient. No third-party disbursement, ever.
alipay.fund.trans.mytransfer
biz_scene = DIRECT_TRANSFER, product_code = TRANS_ACCOUNT_NO_PWD. The same merchant-to-self disbursement product Alipay built for refunds and settlements.
Pre-funded merchant balance
We never wire CNY into China. Our CN-domiciled Alipay merchant balance is pre-funded; FX is settled separately t+1 with our liquidity partner.
transfer_scene compliance (2024+)
Every call carries transfer_scene_name and transfer_scene_report_infos against an approved scene. We do not call mytransfer without the matching report payload.
out_biz_no = order.id
Alipay dedupes on out_biz_no. Webhook-driven retries after transient failures cannot double-credit — the same order id always maps to the same payout.
Prembly · BVN · NIN · Ghana Card
Identity verified before the first payout above Tier-0. Chinese-side KYC is inherited via Alipay's own checks on the bound open_id — we don't re-do it.
Tier-locked daily & per-txn caps
Every account is bound to a tier with hard CNY-denominated caps, rolling 24h. Enforced at the order API — no payout can start above the active tier's cap. Tier-up requires the matching KYC step.
| Tier | Per txn | Per day | Requires |
|---|---|---|---|
| T0 | ¥100 | ¥300 | Email · full name · DOB |
| T1 | ¥200 | ¥500 | + phone verified |
| T2 | ¥1,000 | ¥5,000 | + Prembly KYC |
| T3 | ¥5,000 | ¥20,000 | + Address check |
better-auth + PIN + biometric
bcrypt-cost-12 transaction PIN on every payout. Biometric app unlock. Auto-lock on background. Sessions are CSRF-strict; origin enforced.
Immutable state log
Every order's state transition is append-only. Webhook payloads, Alipay responses, and operator actions all stamped. Records retained 7 years.
Questions, answered.
Can I send CNY to my landlord or my university?+
No — and this is deliberate. tewo only pays into your own connected Alipay. From there, you pay your landlord on WeChat or transfer to your university yourself, using Alipay's native flows. We're the on-ramp into your wallet, not a third-party disbursement service.
How does the Alipay binding work?+
When you sign in with Alipay OAuth, the consent grant gives us your open_id. That open_id is stored as your payout target. Every order's payout call uses it server-side — there's no recipient field anywhere on the client.
What if I signed up with email?+
You can use the app, but before your first order we require you to bind your Alipay account in Settings. Until then, POST /orders returns ALIPAY_NOT_BOUND and we route you to the binding flow.
Which African countries can fund a tewo account?+
Today: Nigeria 🇳🇬 (Flutterwave) and Ghana 🇬🇭 (Paystack). Kenya 🇰🇪, South Africa 🇿🇦 and Egypt 🇪🇬 are next on the roadmap — join the waitlist in-app.
How fast is a payout?+
Most Alipay Merchant Transfer settlements complete within a few minutes of your bank transfer being confirmed. Median is under 3 min; 95th percentile under 15.
What happens if a payout fails?+
Because the payee is always you (already KYC'd by Alipay at OAuth), the 'payee doesn't exist' failure mode is essentially eliminated. The remaining failure modes — merchant balance exhaustion, Alipay rate limits — are ops-triaged. Orders go to payout_failed and a support thread opens automatically.
Stop fighting your bank.
Get back to studying.
Join the African student community in China already using tewo to load their own Alipay wallets.