Fintech Startups in Africa

10mg Health builds embedded credit infrastructure that enables clinics to buy medicines now and pay later across Africa

3S Money is a UK-headquartered fintech platform providing international payment and foreign exchange services for global businesses.

Afomo is a Nigerian platform empowering informal merchants to expand sales, accept payments, and build financial identity.

Afrimark is developing a peer to peer sharing system platform to help businesses build their reputation and borrow

Customer payments

alphabloQ - token exchange platform that enables Africans to invest in income generating tokens enabling wealth creation

AshaCare is creating HealthShift, a digital system that connects health facilities with qualified staff on demand.

Redefining Money For Africa

Hedera AutoVest offers a WhatsApp AI tool for buying tokenized stocks and creating scheduled auto-investment routines.

AWIMA is Africa's sovereign wealth intelligence authority, transforming the continent's economic destiny through data management, headquartered in South Sudan.

AWIMA Technologies Ltd is Africa’s frontier in digital transformation for wealth and resource management.

Azix is developing Africa's SuperApp that offers money transfers,shopping, investments & business tools in one place.

Batela develops an offline-first ERP helping Congolese SMEs track sales, stock, and cash with ease.

Insurtech marketplace

Bizy Tech is developing KILIMO BaNDO, a digital agriculture platform that helps smallholder farmers and agri-MSMEs acces

Blaaiz is a Canadian cross-border financial infrastructure platform, offering multi-currency accounts, global transfers, and payment APIs for individuals and businesses in Africa and the diaspora.

A credit-intelligence platform that converts fragmented, informal consumer and MSME data into real-time affordability insights for lenders.

Blancosy is a tech enabler and an embedded fintech startup that transforms wastes into wealth through innovation and tec

Blnk is an Egyptian fintech startup providing instant point-of-sale financing, allowing customers to buy products immediately and pay in instalments.

BlockCoop builds blockchain infrastructure to modernize cooperatives and unlock global liquidity.

BluPay is developing a conversational AI platform that helps individuals and businesses send and receive cross-border pa

BMONI helps Africans send, spend, and save money globally through smart wallets, USD cards, and seamless cross-border payments.

Global Infrastructure for Moving Money

BucksUp is a South African peer-to-peer lending platform connecting borrowers and lenders for personal and business loans using AI-powered credit scoring.

Transit payments

Capital Connect Africa is a Kenyan digital capital-raising marketplace connecting African businesses with investors for equity, debt, and grant capital.

A digital platform for gift card trading, bill payments, and business expense management in Africa.

Access global markets, diversify investments, and build wealth through one powerful platform.

FinCoach AI builds financial resilience for low-income Africans through AI microlearning, behaviour nudges, and readines

Chari is a Moroccan B2B e-commerce startup that connects traditional retailers with FMCG suppliers and provides financial services.

Social checkout pay

Receivables automation

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CradleVoices is building a payment and SMS orchestration solution to help merchants streamline payment processing and me

Creative CreditAI is developing an AI-driven financial management and credit assessment platform to help creatives.

Financial data APIs

Cross Switch is a Maltese payment orchestration platform simplifying local and cross-border payments for businesses across Africa, Latin America, and other emerging markets.

Cynea AI is empowering businesses with AI and blockchain.

Stablecoin-powered financial operating system for African enterprises.

Diligence Africa is developing investment research and risk assessment solutions to help investors de-risk investments.

DurraFX enables African businesses and global merchants to streamline cross-border payments with liquidity and payouts

Powering Collections and Payouts

EdfaPay is a Saudi fintech company providing comprehensive payment infrastructure solutions for businesses to create secure systems and enhance customer experiences.

ElementPay provides on-chain stablecoin rails for collections, payouts, and USSD payments across African markets.

Equilua is Angola's financial infrastructure layer, enabling secure digital payments, voucher distribution, and AML/KYC compliance for its financial ecosystem.

We are a structured exit ecosystem for sweat & capital equity in private companies.

A crypto payments infrastructure startup enabling merchants in Africa to accept stablecoin payments with instant settlement and low fees.

Digital bank for youth

Goal based layaway

Flick is an open banking platform provider that develops payment infrastructure to streamline business operations.

FPM SA is a Congolese financial institution strengthening local financial institutions to boost financial inclusion for MSMEs in the Democratic Republic of Congo.

Provides electronic payment terminals that enable merchants to accept card and mobile money payments across networks.

Investing app for Africa

HISAHUB is an AI stock trading platform helping emerging investors make smart data driven investment choices.

iCEMA GROUP is building an ecosystem that will help African youth lead economic change through entrepreneurship.

ICP Hub Kenya evangelized, educates, incubates and launches projects in web 3

Incube is developing a connection platform to help startup founders and investors through more signal, less noise

Online payments

IQONA connects MSME activity and trade flows to deliver adaptive, accessible intelligence across Africa’s real economy.

JBUJB is a super-app to discover, book, order and pay for restaurants and local services in Morocco.

Jiwambe is financing electric motorcycles in Kenya

Spend crypto as fiat, send professional invoices, gift friends and family all directly from WhatsApp. NO app

Kaleidofin - symbolizes the power of financial solutions with a digital ecosystem ensures finance for everyone.

A micro-ERP platform digitizing the operations of Rwanda’s informal merchants to unlock formal lending through data-driven credit scoring.

Kendex PLC is offering a capital Markets solutions for investment based crowdfunding platform for SMEs and Startups

Kenya com is developing technologies to help student in finding there stops around Nairobi

Merchant payments and credit

Impact fintech tools

Merchant payouts

Kuunda provides working-capital solutions by embedding credit products into digital payment platforms, primarily focused on serving agents, merchants, and small businesses in Africa.

Core banking for SACCOs

SACCO payments

Insurance API platform

Stablecoin powered healthcare neo bank for Africa.

Lima Technologies is developing a platform to help farmers in Africa make more money through direct linkage to market.

Agri payments

Buy now pay later

Healthcare credit

E-commerce with embedded credit for consumers and small merchants in africa

Microbiz is a Nigerian fintech institution driving financial inclusion by empowering individuals, cooperatives, and businesses with banking solutions.

Embedded finance and supply-chain middleware for FMCG distribution.

Minisend an offramp miniapp making onchain earnings spendable for creators on decentralised social platforms

Pay as you go asset financing

MNT-Halan is Egypt's largest fintech and lending super-app, providing digital financial services to unbanked consumers and small businesses.

Monicah is developing a system to help tech firms manage clients

Moniepoint is a Nigerian fintech company providing financial services to businesses and individuals.

An open banking platform that provides APIs for businesses to access financial data and initiate payments from customer bank accounts across Africa.

Passenger insurance

Address linked payments

Pan-African SME Business Operating System powering digital commerce, payments & AI.

Digital insurance wallet

A Kenyan non-deposit-taking microfinance institution providing fast and flexible credit to MSMEs, schools, and individuals.

Digital wealth manager

Digital wealth manager

Neokadi offers virtual cards and digital accounts in Mozambique, empowering users to make payments and manage finances without a traditional bank.

Neurowave is a South African fintech platform providing a comprehensive loan management system for lenders and an online loan application portal for borrowers.

Digital rails for SACCOs, cooperatives, and microfinance institutions.

Nexis Africa is a Tanzanian technology startup offering software, IoT, and Fintech solutions to businesses, transforming industries with innovative tech.

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.

Novacrust is a global fintech platform empowering individuals and businesses in Africa and beyond to send, receive, spend, and convert money, crypto, and gift cards.

A financial wellness platform for employees that provides earned wage access and other salary-linked financial products.

Healthcare payments

Oliq Africa is building a finance platform to help savings groups manage money with trust-based, adaptive tools.

Orbit Capital is an innovative digital credit provider in Kenya that boasts of efficiency and total transparency.

Connecting consumers with merchants on a fully digital BNPL platform.

PayDay is developing an AI-powered WhatsApp bot for invoicing and payments to help small businesses and freelancers.

Banking the global gig economy

Pay Inc Group is a UK-based fintech company offering secure online money transfer and payment solutions across Africa.

Merchant credit platform

Paymentology is a global card issuing and payments processing company helping banks and fintechs launch card programmes across 60+ countries, headquartered in South Africa.

Payments Association of Namibia (PAN) governs payment clearing standards and drives digital innovation for a safe national payment system in Namibia.

A payments and banking platform that helps businesses in Africa get paid, access loans, and manage deposits.

Paystro simplifies payments, allowing users to make and track all transaction types with spending visibility, anywhere.

Pemig is a community powered finance and Credit platform leveraging social capital & Causal AI for credit scoring.

Agent wallet toolkit

Payments gateway

Merchant working capital

Pesha provides automated expense management for B2B businesses with real -time reconcilliation and reports.

Building the next generation of intelligent tools in healthcare, research, and learning.

SME lending platform

SME capital markets

Merchant BNPL

Planet is an Irish financial services company providing integrated technology and payment solutions, including multicurrency payments, credit card processing, and tax-free VAT refunds for retail and hospitality customers globally.

PLAT-DEL is developing an integrated marketplace to help urban dwellers find affordable goods and services near them.

PockieSafe is a South African savings platform offering transparent Stokvels and flexible FlexRand plans for individuals and groups.

Employee financial benefits

Project Mocha is a blockchain-powered platform connecting smallholder coffee farmers directly with global investors.

Promise Capital Solutions is a Kenyan microfinance institution empowering women and youth with affordable loans and financial services.

Sell Online, Manage Your Business & Get Discovered on Pryseflow

Index insurance for farmers

REasy is a Cameroonian trade finance platform that offers cross-border payments, logistics, and compliance services to SME importers.

Redtech Limited is a Nigerian technology company providing secure payment solutions and energy operations technology across Africa.

Kaspi.kz Super App + Salesforce SaaS for Emerging Markets

RemiRang is a decentralized merchant aggregator with aim to decentralize payment and financial services

Revolve is a Nigerian fintech platform simplifying cross-border payments and remittances for businesses and individuals across Africa and globally.

Rewot Ciro is a Kenyan Fintech platform providing easy, affordable, and fast credit and financial services for businesses, SMEs, and MSMEs.

Intelligent Billing and Subscription Management Platform

Safari Learn is an all-in-one LMS that helps independent coaches sell courses

SAFETRANSACT is a Nigerian platform empowering buyers and rewarding sellers by facilitating secure online transactions and preventing fraud.

Wallet and payments

Embedded payments

SB is a platform that makes banking simple and more rewarding for the emerging generation of African consumers.

Seso global is a real estate ecosystem securely enabling diaspora buyers to access verified properties across Africa.

Group purchasing finance

ShujaaPay is building a fintech platform to help gig workers easily access their funds, instantly, at low cost.

Creator tipping

Creator commerce pay

Cross-border clearing and settlement infrastructure for emerging markets.

AI agents that bring institutional-level portfolio management to everyone.

Remittance platform

SmartLab is a Tanzanian innovation lab and accelerator connecting startups, corporates, and investors to foster groundbreaking solutions and advance the African innovation ecosystem.

Invoice finance for trade

Stablique is an African fintech platform providing real-time, blockchain-settled correspondent banking for dollarized economies across Africa.

Nigerian fintech that raised a $2.7M pre-seed led by KongaPay in June 2026.

A structured financial system enables member wealth via collaborative risk, disciplined savings and formal investment.

Agri equipment finance

Financing infrastructure for electric-vehicle ownership in Rwanda.

Agent network platform

Agent liquidity network

Micro insurance wallet

Taurex is a Nigerian multi-asset online trading platform offering forex, commodities, indices, and equities trading with AI-driven technology.

Bill payments hub

Teria is a Nigerian fintech platform helping banks and fintechs reduce failed transactions and manage downtime through transaction analytics and uptime alerts.

TGIPay is a secure payment gateway for Nigerian businesses, licensed by CBN, offering fast and seamless payment solutions for collecting payments.

Thamani is developing an automated reconciliation system that runs on WhatsApp to help chamas/group track their records.

A freemium graduated ecosystem of digital business development services

DISCPLINE STRATEGIE RESULTAT

Tip-Point Capital is a credit only and a licensed Digital Credit provider to spearhead financial inclusion for MSMEs.

we are developing a platform to help SMEs and retailers track stock, deliveries, and payments to reduce losses and fraud

Microinsurance distributor

Tusenti enables people to save and use their transaction fees as installment payments for personal and business expenses

Tx-Meta Ltd is developing a crypto off/on ramp mobile app to help crypto users spend their tokens locally with m-pesa

UltraPay is a Canadian fintech platform enabling users to spend digital assets globally with virtual and physical cards compatible with Apple Pay, Google Pay, and Samsung Pay.

Urban Farewell is a mobile-first, affordable repatriation platform for the African diaspora and their extended families

A leading consumer finance platform in the MENA region offering buy-now-pay-later (BNPL) solutions.

Verto is a UK-based B2B cross-border payments platform offering FX solutions and multi-currency accounts for global businesses.

VOVE ID is a unified identity verification infrastructure that helps businesses onboard users and companies globally thr

WafR is a Moroccan fintech startup digitizing neighborhood corner stores by enabling merchants to offer digital services.

A payment gateway infrastructure provider for merchants in South Africa, offering digital wallets, Instant EFT, and other alternative payment solutions.

Salary advance wallet

Creator payouts

YieldGuru is a web platform that enables global retail investors to invest in public mobility opportunities in Africa.

Zazu is a digital financial operating system designed for African SMEs, offering a rebundled banking experience with API-driven integrations.

Secure, delivery-linked payments that protect buyers and sellers in informal and high-value online commerce.

Zenova Healthcare builds a platform that helps clinics prevent stockouts with automated inventory, suppliers and finance

Merchant credit lines

SME payments

Zira Technologies is developing flexible technology platforms that help businesses solve operational challenges and scal

School fee payments

Consumer credit builder