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.

Request Early Access → How It Works

$700B+

African Payment Flows p.a.

20+

African Currencies

All-In Transfer Fee

<60s

Settlement Time

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

⇌

🏦

Mobile Money

Tanzania · Rwanda
+ 20 markets

⇌

⚡

Kowry

Settlement Orchestration
FX · Liquidity · Compliance

⇌

🌍

Cross-Border

Regulated Settlement
Mechanisms

⇌

📲

Recipient

Any Country
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

🇸🇸 SSP — South Sudanese Pound

🇬🇧 GBP — British Pound

+ 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 Live Preview

🇹🇿

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

Settles in under 60 seconds via Kowry infrastructure

Roadmap

Built in Stages, Not All at Once

One corridor. Proven economics. Then the next. This is how infrastructure compounds.

Pre-Seed · 2026

Prove the Corridor

Tanzania–Rwanda beachhead. M-Pesa and MTN MoMo live. PSP licences secured. 500 beta users.

Seed · 2027

Expand the Network

Mozambique, Namibia, Angola. P2P marketplace. Operator partnerships formalised. 10,000+ users.

Series A · 2028

Build the Platform

Ethiopia, DRC, Horn of Africa. B2B API. Enterprise infrastructure. Addis Ababa operations hub.

Series B+ · 2029+

Infrastructure at Scale

Pan-African rails. Kenya, Nigeria, South Africa on our terms. Emerging-market corridors globally.

The Settlement Infrastructure Layer for African Commerce.