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.
Browse Startups in Africa by Country
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| Name | One-liner | Country | Sector | Stage | Raising |
|---|---|---|---|---|---|
| 10mg Health | 10mg Health builds embedded credit infrastructure that enables clinics to buy medicines now and pay later across Africa | Nigeria | Fintech | Seed | Actively Raising |
| Afrimark | Afrimark is developing a peer to peer sharing system platform to help businesses build their reputation and borrow | Kenya | Fintech Data & Analytics | Seed | Actively Raising |
| alphabloQ | alphabloQ - token exchange platform that enables Africans to invest in income generating tokens enabling wealth creation | United States | Fintech | Seed | Actively Raising |
| ASHACARE MEDICAL SOLUTIONS | AshaCare is creating HealthShift, a digital system that connects health facilities with qualified staff on demand. | Kenya | Healthcare Digital Health Fintech | Seed | Actively Raising |
| AutoVest AI | Hedera AutoVest offers a WhatsApp AI tool for buying tokenized stocks and creating scheduled auto-investment routines. | Kenya | Fintech Data & Analytics Software & Services | Seed | Actively Raising |
| AZIX | Azix is developing Africa's SuperApp that offers money transfers,shopping, investments & business tools in one place. | United States | Fintech E-commerce | Seed | Actively Raising |
| Bismart | Insurtech marketplace | KE | Fintech | Seed | Open to funding |
| BlockCoop | BlockCoop builds blockchain infrastructure to modernize cooperatives and unlock global liquidity. | Kenya | Fintech Software & Services | Seed | Actively Raising |
| BluPay | BluPay is developing a conversational AI platform that helps individuals and businesses send and receive cross-border pa | Kenya | Fintech | Seed | Actively Raising |
| Borrds | Global Infrastructure for Moving Money | Kenya | Fintech | Seed | Actively Raising |
| Cardtonic | A digital platform for gift card trading, bill payments, and business expense management in Africa. | Nigeria | Fintech | Seed | Actively Raising |
| Churpy | Receivables automation | KE | Fintech | Seed | Open to funding |
| ClimaVue | Climate risk is biz risk. Don't wait for the next disaster to prove it. Visit ClimaVue.org we sort your uncertainties | Kenya | Agriculture, Aquaculture & Agritech Fintech Data & Analytics | Seed | Actively Raising |
| CREATIVE CREDITAI | Creative CreditAI is developing an AI-driven financial management and credit assessment platform to help creatives. | Kenya | Fintech | Seed | Actively Raising |
| Credrails | Financial data APIs | KE | Fintech | Seed | Open to funding |
| Cynea AI | Cynea AI is empowering businesses with AI and blockchain. | United Kingdom | Fintech Data & Analytics Software & Services | Seed | Actively Raising |
| Exit Bridge 67 | We are a structured exit ecosystem for sweat & capital equity in private companies. | Kenya | Fintech Marketing Software & Services | Seed | Actively Raising |
| Ezeebit | A crypto payments infrastructure startup enabling merchants in Africa to accept stablecoin payments with instant settlement and low fees. | South Africa | Fintech | Seed | Actively Raising |
| Fingo Africa | Digital bank for youth | KE | Fintech | Seed | Open to funding |
| FlexPay | Goal based layaway | KE | Fintech | Seed | Open to funding |
| Hisa | Investing app for Africa | KE | Fintech | Seed | Open to funding |
| iCEMA GROUP | iCEMA GROUP is building an ecosystem that will help African youth lead economic change through entrepreneurship. | Kenya | Fintech Edtech Creative Industries | Seed | Actively Raising |
| Incube | Incube is developing a connection platform to help startup founders and investors through more signal, less noise | Kenya | Fintech | Seed | Actively Raising |
| IQONA Intelligence | IQONA connects MSME activity and trade flows to deliver adaptive, accessible intelligence across Africa’s real economy. | Kenya | Fintech Data & Analytics | Seed | Actively Raising |
| JB U JB | JBUJB is a super-app to discover, book, order and pay for restaurants and local services in Morocco. | Morocco | Fintech, Digital services | Seed | Open to funding |
| Jiwambe | Jiwambe is financing electric motorcycles in Kenya | Kenya | Construction Transportation Fintech | Seed | Actively Raising |
| Justxpend Technologies | Spend crypto as fiat, send professional invoices, gift friends and family all directly from WhatsApp. NO app | Nigeria | crypto currency/fintech | Seed | Actively Raising |
| Kayko | A micro-ERP platform digitizing the operations of Rwanda’s informal merchants to unlock formal lending through data-driven credit scoring. | Rwanda | Fintech | Seed | Actively Raising |
| Kenya com | Kenya com is developing technologies to help student in finding there stops around Nairobi | Kenya | Defence Aerospace Fintech | Seed | Actively Raising |
| Lami | Insurance API platform | KE | Fintech | Seed | Open to funding |
| mdziko | E-commerce with embedded credit for consumers and small merchants in africa | Malawi | fintech | Seed | Actively Raising |
| MotiSure | Passenger insurance | KE | Fintech | Seed | Open to funding |
| mTek | Digital insurance wallet | KE | Fintech | Seed | Open to funding |
| Ndovu | Digital wealth manager | KE | Fintech | Seed | Open to funding |
| Ndovu | Digital wealth manager | KE | Fintech | Seed | Open to funding |
| Nexen Tech | Digital rails for SACCOs, cooperatives, and microfinance institutions. | Uganda | Fintech | Seed | Actively Raising |
| NjiaPay | NjiaPay is a South African payment management and routing startup that helps online businesses manage payments by connecting to multiple payment providers through a single integration. | South Africa | Fintech | Seed | Actively Raising |
| Paya | Connecting consumers with merchants on a fully digital BNPL platform. | Kenya | Fintech | Seed | Actively Raising |
| Paylend | Merchant credit platform | KE | Fintech | Seed | Open to funding |
| Pemig Loans | Pemig is a community powered finance and Credit platform leveraging social capital & Causal AI for credit scoring. | Kenya | Fintech Software & Services | Seed | Actively Raising |
| PesaKit | Agent wallet toolkit | KE | Fintech | Seed | Open to funding |
| Pesha Techonologies | Pesha provides automated expense management for B2B businesses with real -time reconcilliation and reports. | Kenya | Fintech | Seed | Actively Raising |
| Peton Labs | Building the next generation of intelligent tools in healthcare, research, and learning. | Kenya | Engineering Healthcare Fintech | Seed | Actively Raising |
| Pezesha Capital | SME capital markets | KE | Fintech | Seed | Open to funding |
| Power Financial Wellness | Employee financial benefits | KE | Fintech | Seed | Open to funding |
| Project Mocha | Project Mocha is a blockchain-powered platform connecting smallholder coffee farmers directly with global investors. | Kenya | Agriculture, Aquaculture & Agritech Fintech | Seed | Actively Raising |
| Rely Technologies | Kaspi.kz Super App + Salesforce SaaS for Emerging Markets | Kenya | Fintech Software & Services E-commerce | Seed | Actively Raising |
| RemiRang | RemiRang is a decentralized merchant aggregator with aim to decentralize payment and financial services | Kenya | Fintech | Seed | Actively Raising |
| SasaPay | Wallet and payments | KE | Fintech | Seed | Open to funding |
| Sents Bank (SB) | SB is a platform that makes banking simple and more rewarding for the emerging generation of African consumers. | United States | Fintech | Seed | Actively Raising |
| Shara | Group purchasing finance | KE | Fintech | Seed | Open to funding |
| Shujaa App | ShujaaPay is building a fintech platform to help gig workers easily access their funds, instantly, at low cost. | Kenya | Infrastructure & Logistics Fintech Software & Services | Seed | Actively Raising |
| Shukran | Creator tipping | KE | Fintech | Seed | Open to funding |
| silveragents | AI agents that bring institutional-level portfolio management to everyone. | France | Fintech Software & Services | Seed | Actively Raising |
| Tanda | Agent network platform | KE | Fintech | Seed | Open to funding |
| TheSMEFriend | A freemium graduated ecosystem of digital business development services | Estonia | Fintech Edtech Research & Consulting | Seed | Actively Raising |
| Trakka Africa | we are developing a platform to help SMEs and retailers track stock, deliveries, and payments to reduce losses and fraud | Kenya | Fintech Software & Services | Seed | Actively Raising |
| Tusenti | Tusenti enables people to save and use their transaction fees as installment payments for personal and business expenses | Kenya | Fintech | Seed | Actively Raising |
| TX META LIMITED | Tx-Meta Ltd is developing a crypto off/on ramp mobile app to help crypto users spend their tokens locally with m-pesa | Kenya | Fintech Data & Analytics Software & Services | Seed | Actively Raising |
| Urban Ubuntu Limited | Urban Farewell is a mobile-first, affordable repatriation platform for the African diaspora and their extended families | South Africa | Fintech Software & Services | Seed | Actively Raising |
| VOVE ID | VOVE ID is a unified identity verification infrastructure that helps businesses onboard users and companies globally thr | Morocco | Fintech | Seed | Actively Raising |
| WafR | WafR is a Moroccan fintech startup digitizing neighborhood corner stores by enabling merchants to offer digital services. | Morocco | Fintech | Seed | Actively Raising |
| Zemi | Secure, delivery-linked payments that protect buyers and sellers in informal and high-value online commerce. | Kenya | Fintech Software & Services E-commerce | Seed | Actively Raising |
| Zira Technologies | Zira Technologies is developing flexible technology platforms that help businesses solve operational challenges and scal | Kenya | Fintech Software & Services E-commerce | Seed | Actively Raising |
10mg Health
Actively Raising10mg Health builds embedded credit infrastructure that enables clinics to buy medicines now and pay later across Africa
Afrimark
Actively RaisingAfrimark is developing a peer to peer sharing system platform to help businesses build their reputation and borrow
alphabloQ
Actively RaisingalphabloQ - token exchange platform that enables Africans to invest in income generating tokens enabling wealth creation
ASHACARE MEDICAL SOLUTIONS
Actively RaisingAshaCare is creating HealthShift, a digital system that connects health facilities with qualified staff on demand.
AutoVest AI
Actively RaisingHedera AutoVest offers a WhatsApp AI tool for buying tokenized stocks and creating scheduled auto-investment routines.
AZIX
Actively RaisingAzix is developing Africa's SuperApp that offers money transfers,shopping, investments & business tools in one place.
BlockCoop
Actively RaisingBlockCoop builds blockchain infrastructure to modernize cooperatives and unlock global liquidity.
BluPay
Actively RaisingBluPay is developing a conversational AI platform that helps individuals and businesses send and receive cross-border pa
Cardtonic
Actively RaisingA digital platform for gift card trading, bill payments, and business expense management in Africa.
ClimaVue
Actively RaisingClimate risk is biz risk. Don't wait for the next disaster to prove it. Visit ClimaVue.org we sort your uncertainties
CREATIVE CREDITAI
Actively RaisingCreative CreditAI is developing an AI-driven financial management and credit assessment platform to help creatives.
Cynea AI
Actively RaisingCynea AI is empowering businesses with AI and blockchain.
Exit Bridge 67
Actively RaisingWe are a structured exit ecosystem for sweat & capital equity in private companies.
Ezeebit
Actively RaisingA crypto payments infrastructure startup enabling merchants in Africa to accept stablecoin payments with instant settlement and low fees.
iCEMA GROUP
Actively RaisingiCEMA GROUP is building an ecosystem that will help African youth lead economic change through entrepreneurship.
Incube
Actively RaisingIncube is developing a connection platform to help startup founders and investors through more signal, less noise
IQONA Intelligence
Actively RaisingIQONA connects MSME activity and trade flows to deliver adaptive, accessible intelligence across Africa’s real economy.
JB U JB
Open to fundingJBUJB is a super-app to discover, book, order and pay for restaurants and local services in Morocco.
Jiwambe
Actively RaisingJiwambe is financing electric motorcycles in Kenya
Justxpend Technologies
Actively RaisingSpend crypto as fiat, send professional invoices, gift friends and family all directly from WhatsApp. NO app
Kayko
Actively RaisingA micro-ERP platform digitizing the operations of Rwanda’s informal merchants to unlock formal lending through data-driven credit scoring.
Kenya com
Actively RaisingKenya com is developing technologies to help student in finding there stops around Nairobi
mdziko
Actively RaisingE-commerce with embedded credit for consumers and small merchants in africa
Nexen Tech
Actively RaisingDigital rails for SACCOs, cooperatives, and microfinance institutions.
NjiaPay
Actively RaisingNjiaPay is a South African payment management and routing startup that helps online businesses manage payments by connecting to multiple payment providers through a single integration.
Paya
Actively RaisingConnecting consumers with merchants on a fully digital BNPL platform.
Pemig Loans
Actively RaisingPemig is a community powered finance and Credit platform leveraging social capital & Causal AI for credit scoring.
Pesha Techonologies
Actively RaisingPesha provides automated expense management for B2B businesses with real -time reconcilliation and reports.
Peton Labs
Actively RaisingBuilding the next generation of intelligent tools in healthcare, research, and learning.
Project Mocha
Actively RaisingProject Mocha is a blockchain-powered platform connecting smallholder coffee farmers directly with global investors.
Rely Technologies
Actively RaisingKaspi.kz Super App + Salesforce SaaS for Emerging Markets
RemiRang
Actively RaisingRemiRang is a decentralized merchant aggregator with aim to decentralize payment and financial services
Sents Bank (SB)
Actively RaisingSB is a platform that makes banking simple and more rewarding for the emerging generation of African consumers.
Shujaa App
Actively RaisingShujaaPay is building a fintech platform to help gig workers easily access their funds, instantly, at low cost.
silveragents
Actively RaisingAI agents that bring institutional-level portfolio management to everyone.
TheSMEFriend
Actively RaisingA freemium graduated ecosystem of digital business development services
Trakka Africa
Actively Raisingwe are developing a platform to help SMEs and retailers track stock, deliveries, and payments to reduce losses and fraud
Tusenti
Actively RaisingTusenti enables people to save and use their transaction fees as installment payments for personal and business expenses
TX META LIMITED
Actively RaisingTx-Meta Ltd is developing a crypto off/on ramp mobile app to help crypto users spend their tokens locally with m-pesa
Urban Ubuntu Limited
Actively RaisingUrban Farewell is a mobile-first, affordable repatriation platform for the African diaspora and their extended families
VOVE ID
Actively RaisingVOVE ID is a unified identity verification infrastructure that helps businesses onboard users and companies globally thr
WafR
Actively RaisingWafR is a Moroccan fintech startup digitizing neighborhood corner stores by enabling merchants to offer digital services.
Zemi
Actively RaisingSecure, delivery-linked payments that protect buyers and sellers in informal and high-value online commerce.
Zira Technologies
Actively RaisingZira Technologies is developing flexible technology platforms that help businesses solve operational challenges and scal
Keep exploring
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Live| Startup | Country | Sector | About |
|---|---|---|---|
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| 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. |