Pre-Seed Fintech Startups in Africa
Startup Map Africa tracks the most active Fintech startups and tech companies across the continent. Filter by country, stage, and fundraising status — or explore the full Africa startups database.
Top Startups in Africa to Watch
A curated selection of African tech companies solving critical infrastructure, financial, and logistical challenges across the continent.
A data community bridging data literacy across Africa through mentorship, training, partnerships and events.
Smart fleet management for owners and drivers: tracking, alerts, leases, and payments in one dashboard.
Spend crypto as fiat, send professional invoices, and gift friends — all directly from WhatsApp. No app needed.
Manufacturing batteries for EVs and ESS systems targeting last-mile electrification and the e-mobility transition.
Secure, delivery-linked payments that protect buyers and sellers in informal and high-value online commerce.
A free football predictions platform powered by AI and mathematical analysis.
Organic energy drink juice formulated for energy, mental clarity and focus.
Connecting startups with engineering students for hands-on projects while mapping talent for future roles.
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| Name | One-liner | Country | Sector | Stage | Raising |
|---|---|---|---|---|---|
| Ajua Pay | Customer payments | KE | Fintech | Pre Seed | Open to funding |
| AWIMA Technologies Ltd | AWIMA Technologies Ltd is Africa’s frontier in digital transformation for wealth and resource management. | South Sudan | Technology / GovTech / FinTech / Social Impact Tech | Pre Seed | Open to funding |
| Bmoni | BMONI helps Africans send, spend, and save money globally through smart wallets, USD cards, and seamless cross-border payments. | Nigeria | Fintech | Pre Seed | Not Raising |
| BuuPass Pay | Transit payments | KE | Fintech | Pre Seed | Open to funding |
| Chpter Pay | Social checkout pay | KE | Fintech | Pre Seed | Open to funding |
| KunePay | Merchant payouts | KE | Fintech | Pre Seed | Open to funding |
| Kwara Pay | SACCO payments | KE | Fintech | Pre Seed | Open to funding |
| LifeLine | Stablecoin powered healthcare neo bank for Africa. | Rwanda | Fintech | Pre Seed | Actively Raising |
| LipaFarm | Agri payments | KE | Fintech | Pre Seed | Open to funding |
| LipaLater Health | Healthcare credit | KE | Fintech | Pre Seed | Open to funding |
| MPost Pay | Address linked payments | KE | Fintech | Pre Seed | Open to funding |
| OkoaPay | Healthcare payments | KE | Fintech | Pre Seed | Open to funding |
| Pesapal Capital | Merchant working capital | KE | Fintech | Pre Seed | Open to funding |
| Pezesha Link | Merchant BNPL | KE | Fintech | Pre Seed | Open to funding |
| Shukran Pay | Creator commerce pay | KE | Fintech | Pre Seed | Open to funding |
| Sote Finance | Invoice finance for trade | KE | Fintech | Pre Seed | Open to funding |
| Sunculture Finance | Agri equipment finance | KE | Fintech | Pre Seed | Open to funding |
| TandaLoop | Agent liquidity network | KE | Fintech | Pre Seed | Open to funding |
| TawiPay Bills | Bill payments hub | KE | Fintech | Pre Seed | Open to funding |
| Workpay Wallet | Salary advance wallet | KE | Fintech | Pre Seed | Open to funding |
| Wowzi Pay | Creator payouts | KE | Fintech | Pre Seed | Open to funding |
| Ziada Credit | Merchant credit lines | KE | Fintech | Pre Seed | Open to funding |
| ZiadaPay | SME payments | KE | Fintech | Pre Seed | Open to funding |
| ZuriPay | School fee payments | KE | Fintech | Pre Seed | Open to funding |
| Zuru Credit | Consumer credit builder | KE | Fintech | Pre Seed | Open to funding |
AWIMA Technologies Ltd
Open to fundingAWIMA Technologies Ltd is Africa’s frontier in digital transformation for wealth and resource management.
Bmoni
Not RaisingBMONI helps Africans send, spend, and save money globally through smart wallets, USD cards, and seamless cross-border payments.
LifeLine
Actively RaisingStablecoin powered healthcare neo bank for Africa.
Keep exploring
Fintech startups at other stages
Browse the parents
Recently Added African Startups
Live| Startup | Country | Sector | About |
|---|---|---|---|
| Cayanda Idea | South Africa | FinTech | Access global markets, diversify investments, and build wealth through one powerful platform. |
| Equilua Seed | Angola | — | Infrastructure fintech for Angola |
| TheEntered Idea | Nigeria | Consumer Apps / Social | A private members-only platform for ambitious Africans to find love and the professional connections worth keeping. |
| Bizella Pre Seed | Ghana | Services MarketPlace | Ghana-based marketplace for booking verified home service providers |
| Neosoft Investment Ltd Pre Seed | Zambia | Agritech | NeoSoft Tech builds AI tools for governments, SMEs, and farmers to drive growth and jobs in Africa. |