Incorporated in England & Wales · Company No. 17202314
The Settlement Infrastructure
Layer for African Commerce.
Africa already has mobile money. What it lacks is a settlement layer connecting it across borders. That layer is Kowry.
$700B+
African Payment Flows p.a.*
20+
Currencies Supported
1%
Target Transfer Fee
<60s
Target Settlement Time
* World Bank Global Findex & McKinsey Global Institute estimates. All fees and settlement times are targets for beta launch.
How It Works
Settlement Without Correspondent Banks
Kowry connects the mobile money systems people already trust — no new wallet, no new account, no friction.
Sender
M-Pesa · MTN MoMo
Airtel · Orange
Airtel · Orange
⇌
Mobile Money
Tanzania · Rwanda
+ 20 markets
+ 20 markets
⇌
Kowry
Settlement Orchestration
FX · Liquidity · Compliance
FX · Liquidity · Compliance
⇌
Cross-Border
Regulated Settlement
Mechanisms
Mechanisms
⇌
Recipient
Any Country
Any Mobile Money
Any Mobile Money
Kowry does not ask Africans to abandon the mobile money systems they already trust. We connect them. Users move money from the M-Pesa or MTN MoMo account they already have — Kowry is the invisible settlement layer underneath.
Infrastructure
Built as Infrastructure, Not a Product
Kowry is not a wallet app. It is the programmable settlement layer that makes borderless African commerce possible.
Mobile Money Native
Built from architecture up around M-Pesa, MTN MoMo, Airtel, and Orange. Not bolted on. Native — meaning the integration is deep, reliable, and operator-grade.
Sub-60-Second Settlement
Settlement orchestration engine manages real-time liquidity balancing, FX coordination, and compliance checks simultaneously — completing in under 60 seconds.
20+ African Currencies
TZS, RWF, KES, NGN, GHS, ZAR, NAD, MZN, AOA, ETB, EGP, UGX, XOF, CDF and more. Direct currency pairs. No forced USD conversion.
Compliance Infrastructure
KYC/AML built in from day one. Tiered verification, transaction monitoring, SAR reporting, sanctions screening, and MLRO oversight — not an afterthought.
Liquidity Orchestration
Proprietary corridor balancing manages liquidity positions across markets in real time. Opposing flows net automatically — reducing capital requirements at scale.
Regulatory First
PSP licensing underway in Tanzania and Rwanda. UK-incorporated with active bank account. Privacy Policy, Terms of Service, and AML Policy published and compliant.
Supported Currencies
Move Money in Your Currency
No forced conversion to dollars. Send and receive in the currency you use every day — directly.
🇹🇿 TZS — Tanzanian Shilling
🇷🇼 RWF — Rwandan Franc
🇰🇪 KES — Kenyan Shilling
🇳🇬 NGN — Nigerian Naira
🇬🇭 GHS — Ghanaian Cedi
🇿🇦 ZAR — South African Rand
🇳🇦 NAD — Namibian Dollar
🇲🇿 MZN — Mozambican Metical
🇦🇴 AOA — Angolan Kwanza
🇪🇹 ETB — Ethiopian Birr
🇺🇬 UGX — Ugandan Shilling
🇪🇬 EGP — Egyptian Pound
🇨🇩 CDF — Congolese Franc
🇸🇳 XOF — West African CFA
🇲🇼 MWK — Malawian Kwacha
🇿🇲 ZMW — Zambian Kwacha
🇸🇸 SSP — South Sudanese Pound
🇬🇧 GBP — British Pound
🇺🇸 USD — US Dollar
🇪🇺 EUR — Euro
+ More at launch
Mobile Money
Connect the Wallet
You Already Have
Deposit and withdraw via the mobile money platform you already use. No new account. No learning curve. Funds move as fast as a text message.
📱 M-Pesa — Tanzania, Kenya, Mozambique
📱 MTN MoMo — Rwanda, Uganda, Ghana, Côte d'Ivoire
📱 Airtel Money — Tanzania, Zambia, Malawi, DRC
📱 Orange Money — Senegal, Mali, Côte d'Ivoire
Cross-Border Transfer
Illustrative
🇹🇿
M-Pesa Tanzania
50,000 TZS
→
🇷🇼
MTN MoMo Rwanda
Recipient
You send
50,000 TZS
Recipient gets
~28,400 RWF
Fee: 1.0%
Rate: 1 TZS = 0.568 RWF
Products
One Platform. Every Rail.
Each product is a distribution channel for the same underlying infrastructure — built once, compounding with every user, operator, and corridor added.
↔
Send & Receive
Borders are a political reality. They should not be a financial one. Move money across African markets — instantly, securely, at a fraction of the cost of traditional rails. Funds routed through the most efficient available rail. Target transfer fee: 1%. No hidden charges. More money stays in your pocket, and more arrives in theirs.
MWK · KES · TZS · RWF · NGN · GHS · ZMW · UGX · ZAR + more
Beta 2026
💳
KowryCard
One digital payment card for life. KowryCard extends your Kowry account into a globally accepted digital payment card — giving users in African markets the same seamless spend experience available in any developed economy. Spend locally, regionally, or internationally. No foreign transaction penalties. No manual currency conversion.
Card network partnership in progress
Post-Seed
📈
Invest
Owning a share of Apple, Amazon, Google, or Netflix has never been accessible from a mobile money account — until now. Kowry Invest opens global equity markets to African savers through fractional share ownership, funded directly from your local account in MWK, KES, NGN, GHS, UGX, or ZMW. From as little as $1 equivalent. No foreign account required.
Nigeria & Uganda · Securities licensing in progress
Post-Seed
🏛
Enterprise: Bulk Payments & Collections
Institutional-grade payment infrastructure for banks, telecoms, NGOs, and multinationals moving value across Africa. Payroll disbursement, supplier payments, grant distribution, and revenue collection — across multiple African markets, from one platform. Real-time settlement visibility. Automated compliance. REST API built for institutional integration at scale.
In discussion: TNM Malawi · FINCA Malawi · FMB Bank
Beta 2026
🌍
Remittance & Cash Services
The global remittance industry extracts billions from people who can least afford it. Kowry delivers cross-border transfers to mobile money wallets, bank accounts, or cash-out points at the lowest available cost through the fastest available route. Settlement target: under 60 seconds. No hidden fees. No unexplained deductions. London to Blantyre. Nairobi to Lusaka. Accra to Lagos.
Tanzania–Rwanda corridor · 2026
Beta 2026
⚡
Bill Payments & Airtime
Every household in Africa pays bills. Electricity, water, school fees, subscriptions — consolidated into one account, settled instantly, with no additional transaction fees. Top up airtime on any supported network in any market and earn 2% credit on every purchase. Send airtime to anyone across Africa. Every payment processed in real time on Kowry's settlement infrastructure.
Airtime · Utility bills · School fees · Subscriptions
Beta 2026
Roadmap
Built in Stages, Not All at Once
One corridor. Proven economics. Then the next. This is how infrastructure compounds.
1
Pre-Seed · 2026
Prove the Corridor
Tanzania–Rwanda beachhead. M-Pesa and MTN MoMo live. PSP licences secured. 500 beta users.
2
Seed · 2027
Expand the Network
Mozambique, Namibia, Angola. P2P marketplace. Operator partnerships formalised. 10,000+ users.
3
Series A · 2028
Build the Platform
Ethiopia, DRC, Horn of Africa. B2B API. Enterprise infrastructure. Addis Ababa operations hub.
4
Series B+ · 2029+
Infrastructure at Scale
Pan-African rails. Kenya, Nigeria, South Africa on our terms. Emerging-market corridors globally.
Settlement Rails & Target Integrations
📱 M-Pesa
📱 MTN MoMo
📱 Airtel Money
📱 Orange Money
🏦 Bank Transfer
🏦 TNM Malawi
🏦 FINCA Malawi
🏦 FMB Bank
Integrations subject to partnership agreements and regulatory licensing milestones
Early Access
Be First on the Infrastructure.
We are launching in Tanzania and Rwanda. Join the waitlist for early access and updates from the team.
No spam. We will only reach out when we are ready to onboard you.