RaliCap

Stay is a long-term incentive platform. We are working to decomplicate the task of investing in the future: both for companies and for their collaborators.

Akua is an acquiring-as-a-service platform that offers scalable, secure, and efficient payment processing solutions for Latin America. Our platform leverages advanced technology to provide superior transaction processing, fraud prevention, and comprehensive regional integration. Problem Latin America's acquiring card payment markets are dominated by a few incumbents using outdated systems, hindering the adoption of new payment technologies and increasing fraud risks.

Regfyl platform for the whole compliance journey from onboarding customers, ongoing monitoring and regulatory reporting.

Fleet is a mobility-as-a-Service software for enterprise transportation needs.

Radar is the enterprise treasury management solution for Latam. Radar ensures that businesses have full visibility of their cash flows with tools to automate payment reconciliation, disbursement, and collections, enabling them to make savvy decisions on acquiring and investing corporate capital.

Circadian Technologies accelerates the energy transition in frontier markets with a SaaS business model, empowering solar developers & energy service companies to reduce operating costs and grow revenue with a data driven platform and proprietary IoT hardware. Circadian transforms the entire value chain of its customers by uniquely providing an end-to-end solution to better design, finance, operate and maintain decentralized renewable energy systems for commercial & industrial sites.

Revio was founded in 2020 to help businesses collect more revenue, through reducing payment failures and recovering lost revenue. Through a single API, we optimise merchants’ payment stacks with locally-optimised payment methods and smart payment routing, failover, and retries. We understand that there is more to getting paid than accepting payments, and believe that how you engage customers when trying to collect a failed payment is as important as when you are trying to acquire them. Our Recovery solution builds on this insight, empowering businesses with data-driven omnichannel interaction workflows to recover at-risk revenue from their customers. Today, we’re helping some of Africa's largest brands and fastest-growing startups increase their revenue through increased payment success rates, customer retention, and lifetime value. Locally grounded but globally relevant, we aim to be the go-to revenue recovery and growth partner for businesses across emerging markets.

Termii is an online platform based in Lagos, Nigeria, that assists African businesses in engaging with their customers through personalized communication via SMS, email, voice, and instant messaging channels. Founded in 2014, Termii offers a comprehensive suite of business applications that cater to various needs including digital branding, sales, marketing, customer relationship management, eCommerce, accounting, inventory, and project management. By providing these tools, Termii aims to enhance customer retention and improve business operations, making it easier for companies to secure repeat customers and foster effective communication.

Amini is a climate tech company focused on utilizing artificial intelligence and satellite technology to enhance access to environmental data across Africa. By developing a data collection and intelligence infrastructure, Amini aims to address environmental challenges and promote economic inclusivity for farmers. The company provides a comprehensive platform that offers vital environmental data, empowering users to manage ecological impacts effectively while fostering opportunities within the agricultural sector. Through its innovative approach, Amini seeks to serve as a central resource for environmental information in Africa, facilitating better decision-making and sustainable practices.

Revio was founded in 2020 to help businesses collect more revenue, through reducing payment failures and recovering lost revenue. Through a single API, we optimise merchants’ payment stacks with locally-optimised payment methods and smart payment routing, failover, and retries. We understand that there is more to getting paid than accepting payments, and believe that how you engage customers when trying to collect a failed payment is as important as when you are trying to acquire them. Our Recovery solution builds on this insight, empowering businesses with data-driven omnichannel interaction workflows to recover at-risk revenue from their customers. Today, we’re helping some of Africa's largest brands and fastest-growing startups increase their revenue through increased payment success rates, customer retention, and lifetime value. Locally grounded but globally relevant, we aim to be the go-to revenue recovery and growth partner for businesses across emerging markets.

Zenpli is a developer of a no-code orchestration platform that specializes in identity management solutions. The platform facilitates accurate identity decisions related to onboarding, Know Your Customer (KYC) processes, compliance, and fraud management. By leveraging advanced models, Zenpli enables businesses to streamline their identity verification processes, ensuring both compliance and protection against identity fraud. The company's solutions are designed to be user-friendly, allowing clients to implement them with minimal effort, thereby supporting growth and efficiency in their operations.

DealCart is a company that operates a social commerce platform aimed at facilitating group buying among users. By allowing individuals to purchase products collectively, the platform helps reduce costs and promotes community engagement. Users can discuss offers and share deals through popular social media channels like WhatsApp. The focus is on providing affordable products in a gamified and interactive format, enhancing the shopping experience. Additionally, DealCart offers free delivery services, making it easier for users to enjoy the benefits of group purchasing while fostering connections within the community.

Sava is a multi-management platform that specializes in spend management for businesses. It offers an unlimited number of virtual cards, facilitating streamlined control over business expenditures. The platform employs advanced accounting software to categorize transactions and automate the reconciliation process, ensuring that companies maintain precise oversight of their financial activities. By providing these tools, Sava enables businesses to effectively manage their spending and supports their growth with the necessary financial resources.

Thepeer specializes in providing a technology infrastructure that facilitates cross-business transactions through its online platform. This platform connects various digital wallets, including mobile money and banking services, and potentially cryptocurrency. By offering user-friendly alternatives for consumers and robust APIs for developers, Thepeer enables businesses to efficiently conduct transactions, direct charges, and other functions seamlessly across different business platforms. The company's solutions aim to streamline the transaction process, making it faster and more effective for both businesses and their customers.

Moffin is an integration platform that connects various Know Your Customer (KYC) data providers, allowing businesses to efficiently collect and assess customer information. The platform offers both API access and a no-code solution, making it accessible for companies with varying technical capabilities. By streamlining the aggregation of credit data, Moffin enables organizations to digitize and expedite their authorization, consultation, and evaluation processes, ultimately saving time and improving operational efficiency.

Radar is the enterprise treasury management solution for Latam. Radar ensures that businesses have full visibility of their cash flows with tools to automate payment reconciliation, disbursement, and collections, enabling them to make savvy decisions on acquiring and investing corporate capital.

Abhi is a financial wellness platform based in Pakistan that offers employees the ability to access salary advances based on their accrued wages. Founded in 2021, the platform allows users to withdraw a portion of their earned income directly into their bank accounts, addressing immediate financial needs without hidden fees. In addition to salary advances, Abhi provides services such as invoice factoring and payroll processing, aimed at facilitating timely payments for employees. This solution not only supports individual financial health but also helps employers streamline processes within their HR and finance departments, ultimately improving overall workplace efficiency.

Koshex is a wealth management service founded in 2020 and headquartered in Bengaluru, Karnataka. The company focuses on automating wealth creation for 400 million Indian millennials by offering data-driven insights into personal finance. Its platform enables users to track real-time money movement and facilitates automated investing in various assets, including mutual funds, digital gold, and sectors such as technology, clean energy, automobiles, and US equities. By providing tools to evaluate potential investment outcomes, Koshex empowers customers to make informed financial decisions tailored to their individual goals.

Churpy is a fintech company that specializes in integrated receivables management solutions. Its software facilitates account reconciliation across various enterprise resource planning systems and connects to multiple bank APIs. Additionally, Churpy offers an invoice payment marketplace that supports various payment methods, including direct debits, credit cards, mobile money, and bank transfers. This comprehensive approach enables finance teams and developers to manage receivables operations efficiently and securely.

Sudo is an API platform that allows developers to issue physical and virtual cards at scale with greater control and flexibility. The company was founded in 2020 and is based in Barnawa, Kaduna.

Afropolitan is creating a Digital Nation to enable all Africans to build abundant lives. The internet enables people to organize around shared values at scales that were previously unthinkable before the turn of the century. If it were a country, Facebook would be the largest one in the world. With the advent of cryptocurrency, the next Facebook will not be a social network with a passive online community, but rather a full-blown digital country with its own native currency and shared purpose. We are building the first-ever internet country.

Allawee is a provider of corporate credit card services, designed to help businesses manage their spending effectively. The company offers both physical and virtual credit cards with high credit limits and attractive cashback rewards. Its advanced spend management technology allows users to set spending limits and policies for different categories, monitor transactions in real-time, and receive notifications for upcoming transactions. This functionality enables organizations to streamline their accounting processes, enhancing financial oversight while maximizing savings through cashback incentives.

Rebill is a fintech platform focused on providing payment orchestration and subscription management solutions for digital businesses operating in Latin America. The platform allows companies to integrate over 100 local payment methods, including cards, bank transfers, cash, and wallets, facilitating efficient revenue operations across multiple countries and currencies. Rebill offers a single trust point for managing various payment gateways within a single transaction, ensuring flexibility for recurring billing scenarios. This automation helps e-commerce and SaaS businesses enhance acceptance rates and streamline billing processes. Additionally, Rebill is backed by prominent investors, ensuring robust support and resources for scaling operations in the region.

Qashio is a spend management platform based in Dubai, founded in 2021. It provides businesses with a comprehensive solution for monitoring costs, making payments, and handling payables through the use of physical and virtual cards. Users can create customized cards, allocate budgets, control employee spending, and set approval layers, all while tracking card usage and analyzing expenditures in real time. By automating expense reporting and enhancing visibility and control over cash flows, Qashio aims to simplify company spending management and eliminate outdated manual processes, ultimately saving time and reducing petty cash leakage for organizations.

Brick develops financial application programming interfaces (APIs) aimed at enhancing fintech products. The platform enables the seamless processing of end-users' financial data, offering access to transaction information from various sources, including telecommunications, e-wallets, e-commerce, and super apps. By providing real-time, secure, and accurate data, Brick's APIs facilitate the creation of personalized financial solutions, improve onboarding processes, and enhance conversion rates while reducing the risk of fraud. This empowers fintech developers to offer affordable, inclusive, and tailored products to their clients, addressing the diverse needs of the financial technology landscape.

Kontempo is a prominent B2B payments platform tailored for the industrial sector in Mexico. It offers software solutions for wholesalers, manufacturers, and distributors, enabling them to provide flexible payment options such as credit and installment plans to their customers. By utilizing advanced APIs and AI-driven risk models, Kontempo allows businesses to process more credit for a wider range of clients while minimizing financial risk and the need for additional capital. The platform also facilitates alternative payment methods, including buy now, pay later and interest-free installments, helping suppliers enhance sales and improve cash flow for their small business customers.

Frain is developing a solution that will allow you to track all of your product's third-party dependencies from a single dashboard.

Abhi is a financial wellness platform based in Pakistan that offers employees the ability to access salary advances based on their accrued wages. Founded in 2021, the platform allows users to withdraw a portion of their earned income directly into their bank accounts, addressing immediate financial needs without hidden fees. In addition to salary advances, Abhi provides services such as invoice factoring and payroll processing, aimed at facilitating timely payments for employees. This solution not only supports individual financial health but also helps employers streamline processes within their HR and finance departments, ultimately improving overall workplace efficiency.

SimpliFi is a company focused on democratizing payments through its Cards as a Service (CaaS) platform, primarily serving clients in the MENA region and Pakistan. The platform streamlines the entire card issuance process, including partner management with banks, payment schemes, processors, and identity verification, along with fulfillment and delivery. By providing a comprehensive technology stack, SimpliFi facilitates card operations and compliance functions, allowing clients to concentrate on their core business activities. This approach positions SimpliFi as a key player in enhancing accessibility and efficiency in the payments landscape.

Kuunda provides liquidity management and data insight tools enabling users to fulfill financial needs through a digital platform. Kuunda's liquidity solutions are tools that anyone can use to maintain their standard of living, grow their businesses, and build economic resilience. Kuunda assists clients in increasing network productivity and expanding the usage and distribution of their products, resulting in real, measurable results.

Hackmetrix is a cybersecurity platform focused on enhancing web security for businesses. It offers automated penetration testing that identifies vulnerabilities in web applications, utilizing leading market scanners to ensure comprehensive assessments. The platform provides clear reports detailing security issues along with actionable insights for developers to address these vulnerabilities effectively. Additionally, Hackmetrix assists organizations in obtaining certifications such as ISO 27001 and ensures compliance with industry regulations like PCI, thereby reducing the risk of cyberattacks and enhancing overall security posture.

Kippa is a mobile application designed for small business owners and bookkeepers in Africa, aimed at modernizing financial management by replacing traditional record-keeping methods. The platform enables users to track daily income and expenses, generate invoices and receipts, and manage inventory, facilitating a comprehensive view of their business performance. Additionally, Kippa offers features such as sales and expense management, business banking, and POS integration, providing an all-in-one solution for financial transactions and data management. This empowers small merchants and neighborhood shops to enhance their service offerings and streamline their operations, ultimately improving the overall lifecycle of their businesses.

Savyour is Pakistan's first cashback platform and pay-per-sale affiliate marketing network, launched in August 2020. The app has facilitated nearly 200,000 orders and attracted over one million users, partnering with more than 300 brands, including major names like Daraz and foodpanda, as well as smaller businesses. The platform allows these businesses to register without upfront costs, increasing their visibility to a broader audience. Consumers benefit by earning cashback on their purchases, which can be redeemed directly into their bank accounts upon reaching a minimum threshold. This unique model not only provides savings for users but also supports the growth of small and medium enterprises by encouraging shopping from a diverse range of vendors, including restaurants, grocery stores, and beauty salons.

Reworth is a developer of a payment relationship marketing platform that facilitates interactions between banks and merchants to enhance customer engagement. By leveraging anonymous transactional data, Reworth enables financial institutions to offer personalized merchant-funded cashback programs, which help increase customer loyalty and drive revenue. The platform's API infrastructure supports various services, including credit scoring, fraud prevention, B2B payments, and personal finance management, contributing to the future of Open Finance. Reworth equips its partners with valuable first-party data, real-time business intelligence, and competitor analysis, allowing them to accurately predict consumer behavior and create tailored experiences that resonate with customers.

Pivo is a financial hub that allows small & medium businesses across Africa access to all the financial services they need in one place.

SimpliFi is a company focused on democratizing payments through its Cards as a Service (CaaS) platform, primarily serving clients in the MENA region and Pakistan. The platform streamlines the entire card issuance process, including partner management with banks, payment schemes, processors, and identity verification, along with fulfillment and delivery. By providing a comprehensive technology stack, SimpliFi facilitates card operations and compliance functions, allowing clients to concentrate on their core business activities. This approach positions SimpliFi as a key player in enhancing accessibility and efficiency in the payments landscape.

Divibank is a financing platform offering businesses access to growth capital.

Elphinstone operates as a robo-advisory platform focused on investment services for the emerging middle classes in frontier markets, particularly in the MENASA region. The company collaborates with licensed asset management firms that are regulated by the SECP, ensuring that their investment products meet established standards. Elphinstone specializes in helping clients invest in community mutual funds that have demonstrated long-term performance, thereby promoting financial independence and stability among its users. By offering tailored financial advisory services, Elphinstone aims to empower individuals in these markets to make informed investment decisions.

Boitas is a startup that is quickly disrupting the $100 Billion industry of wholesale grocery and foodservice distribution in Latam. By offering offices, hospitals, restaurants, schools, and SMBs owners all their daily supplies in one place with a simple mobile/web experience with broad selection of items, transparent pricing, real-time availability, simple ordering, and on-time deliveries 6 days a week

Gilded is a company focused on enabling a more interconnected workforce through the use of web3 technology. Established in 2018, Gilded provides organizations with a comprehensive decentralized operations solution designed to simplify the complexities associated with crypto payments and financial reporting. The company offers a suite of crypto accounting tools that encompass bookkeeping, invoicing, payments, financial reports, tax compliance, and security, allowing businesses to seamlessly integrate digital assets into their existing accounting processes. With a diverse client base of 130 customers that includes crypto startups, NFT marketplaces, play-to-earn guilds, decentralized autonomous organizations, miners, and accounting firms, Gilded aims to facilitate the growth and scalability of its clients in the evolving digital economy.

Pngme is a financial data platform that aims to enhance access to finance for unbanked and underserved populations. It simplifies the processes of collecting, analyzing, and utilizing financial data, enabling banks, fintech companies, and credit bureaus to develop innovative financial products. The platform facilitates one-click data sharing and provides real-time insights and credit scoring, which empower financial institutions to scale their lending operations while managing risk effectively. By digitizing the credit scoring and capital procurement processes, Pngme helps these institutions access additional capital and improve their offerings. The company's mission centers on returning data ownership to individuals, thereby promoting equitable financial opportunities and fostering wealth creation for billions globally.