Top 50 Embedded Finance in Africa

VeendHQ provides an embedded finance platform that enables instant, collateral-free loans for individuals in Africa, facilitating quick access to funds for personal and business needs. The service streamlines the loan application process, allowing users to receive disbursements in under five minutes, thereby addressing the urgent financial requirements of salary earners and entrepreneurs.

TradeDepot is a B2B e-commerce platform that connects SME retailers with global suppliers, facilitating the sourcing of consumer goods tailored to local markets. The platform also offers embedded finance solutions, enabling retailers to access flexible payment options and improve their cash flow management.

Salad provides a credit API that allows digital platforms to integrate embedded lending solutions, enabling users to access credit directly within their existing services. This approach addresses the challenge of financial accessibility for employees by offering salary advances, which enhances productivity and helps retain talent.

Credable is a digital banking platform that enables businesses and financial institutions to embed financial services such as credit, savings, and payments directly into their existing offerings. By providing an end-to-end solution, Credable allows partners to expand their financial product lines without the need for internal infrastructure, addressing the challenge of limited access to banking services in emerging markets.

OmniRetail is a unified distribution platform that digitizes the trade value chain for consumer goods, providing real-time sales and inventory visibility through its B2B e-commerce solution, OmniBiz, and its Distribution Management Solution, Mplify. The platform addresses inefficiencies in traditional trade by streamlining processes for manufacturers, distributors, and retailers, enabling access to over 900 SKUs and facilitating financial transactions through its embedded finance solution, OmniPay.

MaxAB is a B2B e-commerce platform that utilizes proprietary technologies and data analytics to streamline the supply chain for food and grocery retailers, offering over 3,000 SKUs and real-time demand monitoring. The platform addresses inefficiencies in inventory management and payment processes, providing retailers with transparent pricing, on-demand delivery, and embedded finance solutions.

Anchor is a banking-as-a-service platform that provides a complete API infrastructure for African businesses to build, embed, and launch customized financial products, including accounts, payments, and credit solutions. By streamlining the development process, Anchor enables businesses to efficiently manage compliance and banking relationships while enhancing customer engagement through tailored financial services.

Izifin provides a configurable Embedded Intelligence Operating System that enables small and medium-sized enterprises to integrate Artificial Intelligence applications through simple API connections. This technology allows businesses to automate complex processes and enhance customer offerings without requiring specialized data skills or incurring high costs.

Provides APIs for securely linking financial accounts, collecting bank statements, and processing direct bank payments without cards. Simplifies financial data access and payment collection for businesses in Africa, reducing reliance on traditional payment methods and enabling seamless integration into web and mobile applications.

The startup offers a financial platform that enables secure digital wallet management and facilitates digital payments across handheld devices. Users can access crypto loans, pay utilities, invest in digital currencies, and utilize decentralized finance features through a pre-installed digital wallet and debit card, allowing for seamless transactions with global merchants.

Momint provides a blockchain-based platform for fractional investment in solar assets, utilizing proof-of-stake technology to ensure eco-friendly transactions. The platform simplifies access to real-world investments while offering built-in security and transparency through embedded legal contracts and comprehensive audits.

The startup offers a digital banking application that enables users to manage their finances through features such as real-time spending analytics, bill splitting, and secure payments. By providing detailed insights into spending patterns and facilitating seamless transactions, the application empowers users to gain better control over their financial activities.

Hsabati offers a modular management platform that integrates production, billing, finance, and project oversight tools, accessible on smartphones, tablets, and computers. The platform enhances working capital through invoice and supply chain financing, enabling organizations to streamline operations and improve cash flow management.

MipangoApp is a financial service platform that utilizes e-wallet technology to enable users to allocate funds into specific Budget or Goal wallets for improved money management. The app also provides AI-driven investment notifications and personalized financial education, helping users make informed decisions based on their income and risk preferences.

Okra provides a unified API that aggregates financial data from various banks and financial institutions across Africa, enabling businesses to access real-time information for identity verification, income assessment, and transaction history. This technology streamlines the onboarding process and enhances financial management, reducing the complexity and time required to build financial products.

Swypex is an all-in-one financial platform that integrates corporate cards, business banking, cash management, and invoice processing to enhance financial visibility and operational efficiency for businesses. By streamlining these financial processes, Swypex enables companies to manage expenses and cash flow more effectively, ultimately supporting their growth objectives.

The startup develops a financial application that provides users with access to credit products, discounts, and cashback rewards from partnered brands. This platform enables customers to easily obtain credit and reduce their purchase costs, addressing the need for accessible financial services and savings in everyday transactions.

Ukheshe Technologies provides a Banking-as-a-Service platform that integrates digital wallets, payment processing, and digital KYC solutions through a secure API-first architecture. This enables banks and fintechs to offer tailored financial services, enhancing financial inclusion and streamlining customer onboarding in a compliant environment.

Djamo is a digital financial application that provides users in West Africa with a secure platform to manage their finances, including automated savings, expense tracking, and free money transfers. By eliminating high fees and complex processes associated with traditional banking, Djamo empowers users to take control of their financial lives through a simple mobile interface.

The startup offers a mobile-based microfinance platform that streamlines lending operations, underwriting, and loan servicing for businesses. By providing access to digital finance tools, it enables clients to efficiently manage their financial services and expand their customer reach.

Oliv Finance provides a paperless platform for small businesses to finance their e-invoices within 48 hours, utilizing a credit engine that analyzes business performance data in minutes for instant credit approval. This service addresses the financing gap faced by small businesses by offering transparent pricing with no hidden fees and no technical integration requirements.

This startup offers online accounting software that enables businesses to create personalized invoices, track expenses, and generate real-time financial reports. By automating financial management tasks, the software helps businesses streamline transactions and maintain accurate financial oversight.

Ladder is an AI-powered personal finance platform that consolidates financial activities, enabling users to track expenses and receive tailored spending recommendations through smart analytics. The application addresses the challenge of managing personal finances by providing a centralized solution for budgeting, investment planning, and wealth growth.

The startup offers a digital financial service platform that enables unbanked communities to access essential financial transactions such as remittances, bill payments, and merchant payments through a mobile app. By connecting users with banks, microfinance institutions, and mobile wallet services, the platform addresses the lack of accessible financial services in underserved markets.

Deposits is a cloud-based fintech platform that provides banks and brands with modular solutions for launching secure banking, payment, and lending systems without requiring programming skills. The platform addresses the need for rapid deployment of compliant financial services, enabling users to enhance customer engagement and streamline operations.

Blnk offers a mobile application that provides instant consumer credit approval in minutes using only a National ID, enabling users to finance purchases directly at retail locations without the need for extensive documentation. This service addresses the lack of accessible financing options for consumers in Egypt by offering inclusive programs with no application fees and flexible repayment terms of up to 36 months.

Bujeti is a financial management platform that provides virtual and physical corporate cards, enabling businesses to streamline expense tracking and automate payment processes. It addresses the inefficiencies of manual financial workflows and disconnected systems, enhancing cash flow management and compliance for African businesses.

The startup provides a financial technology platform that offers digital credit, payment processing, and financial management tools tailored for underserved entrepreneurs. This solution enables small businesses and informal retailers to access essential financial services, enhancing their operational efficiency and economic stability.

Sans Mercantile offers an AI-native financial infrastructure for underbanked and high-growth markets. The platform provides predictive CFD trading intelligence and real-time governance modules, enabling inclusive access to institutional-grade financial tools through tokenized, mobile-first infrastructure.

Kopo Kopo offers a cloud‑based platform that connects small and medium merchants to mobile‑money networks (e.g., M‑PESA) through a virtual till, enabling digital inbound payments, bulk disbursements, and on‑demand short‑term credit. The service provides real‑time dashboards, RESTful APIs/SDKs, automated reconciliation, and PCI‑DSS‑aligned security to give businesses visibility and control over cash flow.

TELA is a business intelligence platform that utilizes real-time data analytics and secure blockchain technology to facilitate financial management and cross-border payments for small and medium-sized enterprises and freelancers. By providing a centralized dashboard for invoicing and cash flow control, TELA addresses the challenges of managing finances and conducting international transactions efficiently.

BrandDrive offers a financial management platform that integrates bookkeeping, accounting, and payment processing tools, enabling African businesses to manage sales, expenses, and inventory in one place. The platform addresses the challenge of fragmented financial operations by providing real-time insights and multi-currency accounts to streamline business growth.

Patron GO is a mobile application that utilizes the PSD2 directive to automatically analyze users' bank transaction histories, identifying and eliminating excessive payments without requiring user intervention. By streamlining financial optimization, the app saves users time and money while offering rewards for each successfully negotiated payment reduction.

FinHub provides a unified API and SDK platform that enables businesses to integrate a wide range of financial and regulatory tools, facilitating operations such as payment processing, compliance, and account management. The platform addresses the complexity of deploying multiple financial services by offering modular solutions that can be easily customized and implemented across various web and mobile applications.

The startup offers a mobile financial platform that provides digital payment services, enabling users to manage their finances with quick settlements and minimal downtime. This platform addresses the need for efficient and affordable financial services, enhancing accessibility for individuals and businesses alike.

The startup offers accounting and finance automation software that utilizes machine learning algorithms to streamline financial reporting and transaction processing for businesses. This technology reduces manual data entry errors and accelerates financial workflows, enabling companies to improve accuracy and save time.

Sudo is an open API platform that enables developers to programmatically issue and manage physical and virtual cards, providing real-time spending controls and compliance management. This technology allows businesses in Africa to quickly integrate financial features into their products, enhancing user experience and operational efficiency.

Niobi is a centralized finance platform that enables businesses to manage finance operations, local and cross-border payments, and multi-currency accounts through a single dashboard. The platform provides real-time visibility and control over financial transactions, streamlining cash flow management and enhancing operational efficiency for businesses across multiple countries.

This company provides SMEs with all-digital business banking accounts and flexible funding options, including cash flow facilities and fixed-term loans. They offer instant payment solutions for trade credit, allowing businesses to get paid immediately while customers pay over time. The integrated platform streamlines financial operations, offering fast access to capital and account management tools.

This fintech company offers a mobile app providing digital financing and payment solutions. The platform aims to streamline financial transactions and provide accessible financial services through mobile technology.

Ensibuuko provides cloud-based micro-finance software that automates operations for Savings and Credit Cooperative Societies (SACCOs), lending companies, and savings groups, enabling them to manage loans and savings digitally. This technology enhances operational efficiency and financial inclusion for underserved communities in Africa by transitioning traditional cash-based systems to secure, paperless solutions.

The startup offers a payments and digital marketplace platform that enables users to list products and conduct transactions through an integrated financial wallet. This platform facilitates the buying, selling, and renting of various products, addressing the need for a streamlined and secure transaction process in online marketplaces.

The platform is an AI‑powered add‑in for Microsoft Excel that lets users describe data transformations, analyses, or reporting tasks in natural language. It generates context‑aware formulas, pivot tables, and VBA macros directly in the workbook, handling data cleaning, forecasting and visualizations while keeping data on‑premise or within secure cloud services. This reduces manual effort and lowers the expertise required for advanced spreadsheet automation for finance, BI and operations teams.

The startup offers a bank-like money management platform that enables users to manage expenses and invest in cryptocurrencies such as Bitcoin and Ether through a secure wallet system. This platform provides individuals with the tools to track spending and make informed investment decisions in a volatile market.

This startup offers an embedded payments platform that integrates seamlessly into existing applications, enabling businesses to process transactions without redirecting users. By simplifying payment workflows, it enhances user experience and increases conversion rates for digital services.

Klak is a centralized platform that consolidates financial data from banks, ERP systems, and accounting software into a single dashboard, providing real-time visibility into cash flow and automating financial operations. By streamlining accounts receivable, payment collections, and reconciliation processes, Klak enables businesses to enhance efficiency, reduce administrative workload, and improve cash flow management.

Provides an AI-powered neo-bank tailored for the African market, enabling users to save, invest, borrow, and conduct borderless transactions through a mobile app and USSD platform. Streamlines financial processes with real-time currency conversion, AI-driven credit assessment, and personalized budgeting tools, reducing reliance on traditional banks and improving access to financial services.

Monesize is a financial management platform that enables users to track expenditures, set budgets, and analyze financial data through real-time insights and customizable dashboards. It addresses the inefficiencies of traditional financial tracking methods by consolidating personal and business finance management into a single, user-friendly application.

Blusalt Financial Service offers blockchain-based digital infrastructure for financial services. Their platform provides tools and solutions for building and deploying decentralized financial applications.

This startup provides digital financial services that utilize machine learning algorithms to analyze alternative data for small and medium-sized businesses. By creating detailed business profiles, it offers tailored loan and investment opportunities to enhance financial accessibility for underserved entrepreneurs.