How it works

From application to settlement, built around your trade cycle.

Five steps, one flow. Apply on your phone, get an explainable decision, draw the capital, settle across borders instantly over PAPSS, and repay to grow. Here is exactly how each stage works.

Open an accountSee the corridors
  1. 01ApplyNext
  2. 02UnderwriteNext
  3. 03FinanceNext
  4. 04Settle via PAPSSNext
  5. 05Repay & growRepeat
Step 01 · Apply

Apply from your phone in minutes

Verify your identity with your national ID, connect your mobile-money history with consent, and upload the trade documents for the deal you want to fund — an invoice, a purchase order, a shipping record.
  • KYC with your national ID and phone number.
  • Consent-based access to mobile-money transaction history.
  • Upload trade documents; extraction reads the key fields for you.
Step 02 · Underwrite

An explainable decision, usually within a day

We turn your cash-flow and trade data into a 0–1000 risk score and a tier. The tier sets your transparent fee band. Every decision ships with its reasons — the factors that raised or lowered your risk, in plain language.
  • Scored on real cash flow, not collateral or audited accounts.
  • Risk tier sets your fee within the published 1.5%–3.5% band.
  • Returning traders typically decided within 24h; first-timers within 48h.
Step 03 · Finance

Draw only what you need, when you need it

On approval you get a facility limit. Draw against it for a specific trade, and only pay on what you draw — an approved limit sitting unused costs nothing. Limits start sized to your verified volume and grow with a clean record.
  • Facilities from GHS 5,000 to GHS 2,000,000.
  • Pay only on drawn funds; no fee on unused limit.
  • Tenors of 15–120 days, matched to your trade cycle.
Step 04 · Settle via PAPSS

Money moves across the border in seconds

Pay your supplier over PAPSS — the Pan-African Payment & Settlement System. You send in cedi, they receive in their local currency, settled between central banks with no dollar detour. You see the interbank mid-market FX rate before you confirm.
  • Local-currency settlement, near-instant — not days.
  • No correspondent-bank spread hidden in the exchange rate.
  • Free to you: there is no PAPSS settlement fee.
Step 05 · Repay & grow

Repay on cycle — and unlock more

Repay when your buyer pays, or earlier with no penalty. Every clean repayment strengthens your risk profile, which raises your limit and can lower your rate. Trust compounds: the product learns your corridor, you build your history.
  • Repay early with zero penalty.
  • Clean history raises limits automatically.
  • A stronger profile earns a lower rate within the band.
Settlement, explained

Why PAPSS changes the maths of cross-border trade

The old way: cedi → US dollars → a correspondent bank abroad → naira. Several days, a fee at each hop, and an FX spread that can erase a low-margin trade’s profit. PAPSS replaces that with direct, local-currency settlement between African central banks.

Seconds
to settle, not days in transit
+0.5%
flat FX margin on the mid-market rate
Trade corridors

Live where trade already flows

Ghana is our anchor market. The Ghana↔Nigeria and Ghana↔Côte d'Ivoire corridors are next, each launched with locally regulated institutions.

  • GH

    Ghana

    GHS · Bank of Ghana

    Live
  • NG

    Nigeria

    NGN · Central Bank of Nigeria

    Coming soon
  • CI

    Côte d’Ivoire

    XOF · BCEAO (UEMOA)

    Coming soon
Start the flow

Your next trade could be funded today

Apply in minutes and see your limit — no collateral, no penalty for early repayment.

Open an accountRead trader FAQ