Bank-grade by construction — not as a marketing line.
We move real money for thin-margin traders under multiple central-bank regimes. Correctness, security and compliance are the engineering bar for the whole platform, held strictest on the money paths.
Bank of Ghana-regulated posture · PAPSS participant
Where we stand, stated plainly
No vague claims. Here is our licensing position and how it extends as we open new corridors.
| Anchor regulator | Bank of Ghana |
|---|---|
| Operating model | Partner-bank origination + direct licensing in progress |
| Data protection | Ghana Data Protection Act, 2012 (Act 843) — DPC registered |
| AML / KYC | Risk-based programme aligned to FATF & BoG AML/CFT guidelines |
| Settlement rails | PAPSS (Pan-African Payment & Settlement System) + mobile money |
Each expansion corridor requires independent licensing review — the CBN for Nigeria, the BCEAO/UEMOA framework for Côte d’Ivoire — before that corridor is activated. See the full regulatory licensing & disclosures page.
Know your trader, watch every flow
Screening and monitoring built into the product, with a human in the loop where it matters.
- Identity verification against national ID systems — Ghana Card at launch, BVN/NIN and equivalents per corridor.
- Sanctions and watchlist screening at onboarding and on settlement above a configurable threshold.
- Automated suspicious-activity detection with mandatory human review — flags escalate to a Compliance Officer, never auto-close.
- A documented case workflow (open → review → cleared / reported / blocked) with a full audit trail.
- Suspicious Transaction Reports filed with the Financial Intelligence Centre where the law requires.
Your data, held to the law
Structured around the Ghana Data Protection Act and extensible to each corridor's regime as we expand.
- Encryption in transit (TLS 1.2+) and at rest for all financial and personal data.
- Parameterised database access only — no dynamically-built SQL anywhere in the money paths.
- Row-level security in the database, so a Ghana-scoped officer cannot see Nigeria-scoped applicant data, and vice versa.
- Immutable, append-only audit logging of every financial action and every access to personal data.
- Data residency selected per operating country against that central bank’s sovereignty expectations before a corridor goes live.
Read the full Privacy Policy for lawful basis, data-subject rights and retention.
PAPSS — settled between central banks, not through a middleman
- Double-entry ledger: debits equal credits before anything commits.
- Automated reconciliation against every rail, with exception review.
- Idempotency keys on every money movement — a retry never double-pays.
The credentials behind the product
Bank of Ghana
Partner-bank model
Facilities originated with Bank of Ghana–licensed institutions while direct licensing is pursued.
KYC / AML
FATF-aligned
Risk-based identity verification and transaction monitoring on every trader and counterparty.
PAPSS
Instant settlement
Pan-African Payment & Settlement System — local-currency, near-instant cross-border settlement.
Act 843
Data Protection
Registered under Ghana’s Data Protection Act, 2012; data stays in-region and encrypted.
We'll walk your risk and compliance teams through it
Capital partners and regulators can request our full security and compliance briefing.