Our Vision
Everyone Deserves a Salary
The world runs on recurring payments. Subscriptions, retainers, memberships. But most of this infrastructure doesn't work in Africa. We're fixing that.
The Hidden Tax on African Talent
If you freelance from Africa, you lose 15-25% of your earnings to fees, bad exchange rates, and late payments. Before you even spend a naira.
70% of African freelancers get paid late. That's more than double the global average. 16% never get paid at all. There are 17.5 million gig workers across Nigeria, Kenya, South Africa, and Ghana. The financial system treats them like an afterthought.
"Getting good projects from Nigeria is difficult. Most clients lose interest the moment they realise you're Nigerian." Nigerian freelancer, TechCabal
Same skills, lower rates. Not because African developers are worse. Because paying them is harder.
The Numbers
72% of freelancers have been ghosted after finishing a project. If you're in Lagos and your client is in London, what are you going to do? Sue them? The lawyer costs more than the invoice.
The Platforms Don't Work Here
Nigeria has been PayPal "send-only" since 2014. You can pay, but you can't receive. Ghana lost PayPal entirely in 2020. Wise stopped USD transfers to Nigeria in 2022. Stripe payouts? Unavailable everywhere.
| Platform | Nigeria | Kenya | South Africa | Ghana |
|---|---|---|---|---|
| PayPal | Send-only | Full | Full | Restricted |
| Wise | USD suspended | Limited | Full | Limited |
| Stripe | Unavailable | Unavailable | Unavailable | Unavailable |
| Payoneer | Available* | Available | Available | Available |
*Nigerian accounts get blocked constantly
The workaround? Register a US LLC ($500), get an IRS tax number, open a US bank account. Most freelancers can't do this. So they take the hit.
Your Money Loses Value While You Sleep
The Naira lost 70% of its value in 2023-2024. The Cedi collapsed 55% in 2022. The Rand drops 20% every few years. If you earn in local currency, your savings evaporate.
Money you save today buys less tomorrow. There's no easy way to hold dollars. No hedge. No protection. The system forces you to watch your earnings shrink.
"For the modern Nigerian creative, Binance has replaced the bank as the place to keep money safe." Industry Analysis, 2024
Nigeria processed $22 billion in stablecoin transactions last year. That's not speculation. That's people trying to protect what they earned.
Local Payments Are Broken Too
It's not just international payments. 500 million African workers live paycheck to paycheck. 85% of jobs are informal. Cash-based. No paper trail.
Gym trainers chase members for monthly dues. Freelancers spend days begging local clients to pay. Domestic workers get cash with zero documentation. If you run a subscription business, expect 30-50% of your customers to churn every year.
Card Payments
- 15% of transactions fail
- 35-40% annual churn
- Cards expire, billing breaks
- OTP fatigue kills conversions
Bank Direct Debit
- <1% failure rate
- 10-12% annual churn
- Accounts don't expire
- Set up once, done
Recurring payment infrastructure barely exists outside South Africa. M-PESA, the biggest mobile money system in the world, only launched standing orders in October 2024. Twenty years after it started.
What We're Building
Predictable income shouldn't depend on your passport. We're building payment infrastructure that works for everyone.
Automatic Collection
Cards, direct debit, mobile money. Whatever works in your market. Stop chasing payments.
Local Payouts
Money goes straight to your bank or mobile wallet. No intermediary accounts holding your funds hostage.
Income Proof
Real pay stubs. Verifiable statements. Documentation that banks and landlords actually accept.
Value Protection
Hold earnings in stable currency. Cash out when rates work for you. Your money, your timing.
The Opportunity
Africa's remote workforce moves $40 billion a year through formal and informal channels. Most of it flows through workarounds because the real rails don't work.
Fix the infrastructure and everything changes:
- Market doubles. 65 million card holders become 128 million when you add mobile money and bank debit.
- Churn drops 60%. From 35% with cards to 12% with proper recurring billing.
- Customer lifetime value 4x. Lower churn means subscribers stay longer. More revenue per customer.
- The unbanked get in. M-PESA reaches 96% of Kenya. Crypto wallets just need a phone.
This isn't charity. It's billions in value stuck behind broken pipes. Every developer in Lagos, designer in Nairobi, consultant in Joburg who can finally get paid on time is productivity unlocked.
Join Us
We're building payment infrastructure that actually works in Africa.
If you're a creator who wants to get paid reliably, a company that wants to pay African talent fairly, or you just think this stuff should work better, we'd love to talk.