Catalyst Fund

Imagine a data solution that gives you the right story at the right time so you know what happened, what’s happening and what’s going to happen in your world. We’re making data affordable, accessible and usable for everyone, with data storytelling. - Anyone can invest in a data journey - For small, medium and enterprise - Visually appealing and easy to use - Create data communities across and within organization - Historic, real-time and future stories HYDRA is our data storytelling software product which ingests data from multiple sources, whether it is from humans, things, systems or services, then transforms it into intelligent data and creates insightful stories that are easy to understand and useful to humans.

Enakl is a technology mobility company focused on providing bus-sharing solutions for commuting in Africa. Its platform utilizes data collection to predict demand, allowing for efficient pooling of users based on their destinations and the creation of optimal routes operated by professional drivers. By integrating ride-hailing technology with existing shared taxi services, Enakl offers residents in emerging cities affordable, reliable, and comfortable transport options tailored to their needs. The company's innovative business model emphasizes social inclusion and aims to alleviate issues related to congestion and access to transportation in the region, while promoting flexible, safe, and convenient travel solutions.

Octavia Carbon is the first Direct Air Capture (DAC) company in the Global South, focused on filtering carbon dioxide from the atmosphere to combat climate change and reduce reliance on fossil fuels. The company designs, builds, and deploys patented technology that utilizes Kenya's geothermal energy and geological resources to enhance the efficiency and cost-effectiveness of DAC technology. By capturing CO2 directly from the air, Octavia Carbon enables the conversion of this greenhouse gas into stable underground rock formations or repurposes it as an industrial gas, helping to replace polluting fossil fuels. This innovative approach not only addresses environmental concerns but also supports industrial power users in East Africa, contributing to the fight against energy poverty in the region.

BioBuu focuses on the development of manufacturing capacity and environmentally sustainable production.

MazaoHub is an AI-powered farm management company that develops software tailored for rural farmers. The company provides solar soil sensors to enhance agribusiness operations, transforming them into centers of excellence for local farmers. By leveraging AI to analyze soil and satellite data, MazaoHub delivers personalized insights in accessible language through offline mobile applications. This approach enables farmers and agronomists to improve data management, optimize resource allocation, and facilitate connections with buyers. Ultimately, MazaoHub aims to boost productivity and promote sustainability within the agricultural sector.

Earthbond Leverage the collective power of your neighborhood for better pricing and financing options.

Raino Tech4Impact is a social enterprise that leveraging technology as an enabler to empower African communities. Founded in 2014, They have been developing technology-driven solutions in health, agriculture, sports, green energy and offer business support services. In partnership with various key players in different sectors, they have developed unique and efficient different use cases of technological solutions impacting millions of lives.

NoorNation focuses on delivering long-term, decentralized energy and water infrastructure solutions aimed at underserved areas. The company manufactures solar-powered, self-contained units that are designed for rapid deployment. These units contribute to the industrial localization movement and support sustainability efforts across various sectors, including agriculture, tourism, and rural communities. By enabling clients to utilize green infrastructure, NoorNation aims to provide affordable access to clean energy and safe water, thereby addressing essential life needs while promoting environmental responsibility.

Medikea Health is an online healthcare platform designed to make primary care accessible and affordable for millions of Africans. The service includes virtual, subscription-based telemedicine, allowing users to consult with healthcare providers through chat or phone calls. In addition to online consultations, Medikea offers medicine delivery, at-home lab testing, and referrals to in-person clinics within its asset-light network. The platform aims to address non-emergent medical issues, providing users with convenient access to private consultations and discounts on medications. By integrating various healthcare services, Medikea strives to enhance the overall patient experience and improve healthcare accessibility.

Scrapays is a clean-tech startup focused on enhancing recycling through technology and finance. It assists urban recycling businesses, including collectors and agents, by offering on-demand material recovery services to waste producers, such as individuals and enterprises. The company operates a decentralized recovery model that utilizes an integrated technology platform, including USSD, IoT, web, and mobile applications, enabling a quick recovery cycle for recyclable materials. Scrapays empowers users to create self-managed businesses, allowing them to earn commissions based on the weight of recovered recyclables. Individuals can become local collectors or host collection outlets, effectively monetizing their recyclable waste. The platform also facilitates a network of micro-businesses, enhancing efficiency in managing scrap materials and generating collection traffic. Through this model, Scrapays aims to optimize the recycling process while rewarding all partners involved in the recovery chain.

Zebra CropBank is developing a technology-driven platform for banking and distributing agricultural produce, enabling farmers to convert their crops into tradable assets. The platform features a post-harvest produce management system that allows farmers to instantly convert their crops into cash or use them as collateral for credit. By establishing storage and processing facilities at multiple locations, Zebra CropBank enhances the efficiency, accessibility, and transparency of produce management. This approach aims to help farmers reduce food waste and improve their financial outcomes.

Thola operates a comprehensive marketplace designed to assist small and medium-sized businesses in measuring and reducing their environmental impact while enhancing sustainability practices. The platform connects companies seeking compliance with accredited sustainability officers, facilitating monitoring and support for various compliance needs, including environmental impact, ESG, and human rights. By centralizing the process of sustainability compliance, Thola makes it easier for businesses to navigate regulations, access certifications, and streamline monitoring, reporting, auditing, and certification processes. This approach simplifies the journey towards sustainability, making it more affordable and accessible for companies worldwide, while also supporting eco-conscious investments in agricultural commodities.

Thola operates a comprehensive marketplace designed to assist small and medium-sized businesses in measuring and reducing their environmental impact while enhancing sustainability practices. The platform connects companies seeking compliance with accredited sustainability officers, facilitating monitoring and support for various compliance needs, including environmental impact, ESG, and human rights. By centralizing the process of sustainability compliance, Thola makes it easier for businesses to navigate regulations, access certifications, and streamline monitoring, reporting, auditing, and certification processes. This approach simplifies the journey towards sustainability, making it more affordable and accessible for companies worldwide, while also supporting eco-conscious investments in agricultural commodities.

TOLBI works on agriculture industry and provide solutions on agricultural intelligence and productivity.

Sand to Green offers an innovative approach to combat desertification, land degradation, and food insecurity through its agroforestry technology. The company specializes in rehabilitating arid lands by establishing endemic agro-forestry plantations. Utilizing solar desalination and carbon offset mechanisms, Sand to Green supports the growth of sustainable orchards and biofuel plantations, effectively irrigating them with desalinated seawater. This technology not only enhances agricultural productivity in challenging environments but also addresses environmental concerns by promoting the restoration of degraded lands, ultimately contributing to healthier food systems and reducing pressure on primary forests.

Sand to Green offers an innovative approach to combat desertification, land degradation, and food insecurity through its agroforestry technology. The company specializes in rehabilitating arid lands by establishing endemic agro-forestry plantations. Utilizing solar desalination and carbon offset mechanisms, Sand to Green supports the growth of sustainable orchards and biofuel plantations, effectively irrigating them with desalinated seawater. This technology not only enhances agricultural productivity in challenging environments but also addresses environmental concerns by promoting the restoration of degraded lands, ultimately contributing to healthier food systems and reducing pressure on primary forests.

Agro Supply is a digital platform designed to assist farmers in managing their financial resources effectively. It offers an agricultural mobile layaway system that enables farmers to save and invest in essential farming inputs without resorting to credit. The platform incorporates a micro-saving scheme where farmers can purchase scratch cards, allowing them to accumulate savings. These savings can then be used to procure agricultural inputs, such as fertilizers and seeds, which are delivered directly to the farmers. By facilitating access to training and resources, Agro Supply aims to help farmers reduce costs and enhance their agricultural yields, ultimately contributing to improved farming practices.

Assuraf is a leading Pan-African InsurTech based out of Dakar (Senegal) with focus in Francophone Africa. Building the much needed infrastructure and products that drive insurance inclusion and address and meet the needs of each individual across emerging markets

Bekia is a technology platform focused on waste management, enabling individuals to monetize their inorganic waste through a user-friendly interface. The platform allows users to separate their waste at home and exchange it for goods and services, earning points that can be redeemed for items such as groceries, school supplies, metro tickets, and mobile credits. Additionally, users have the option to donate their earned points to various charitable causes. By facilitating this exchange, Bekia not only promotes recycling and responsible waste disposal but also provides a financial incentive for users to participate in sustainable practices.

PaddyCover is offer a multi-channel platform that facilitates flexible and convenient payment for insurance packages.

Farmz2U is an infrastructure company dedicated to empowering smallholder farmers by providing essential tools and resources to enhance their agricultural operations. The company develops a farming management system that focuses on data-driven solutions to automate production processes, ultimately increasing yield and profitability. Through its web application, Farmz2U offers comprehensive support for farmers at every stage, from pre-farming to post-harvest. This includes digital extension services that deliver tailored agricultural expertise and facilitate market access, enabling smallholder farmers to improve their practices and achieve commercial success.

Farm to Feed is a food supply chain company that is providing a digitally-enabled solution to food loss/waste.

Visual and AI Solutions (VAIS) is a deep-tech company focused on advancing agricultural technology and Earth observation analytics through innovative AI and deep learning algorithms. The company aims to support climate-smart farming practices by optimizing resource utilization and reducing environmental impact. By leveraging proprietary technology, VAIS develops solutions that enhance the efficiency of agricultural operations and improve the analysis of multispectral Earth observation data.

Octavia Carbon is the first Direct Air Capture (DAC) company in the Global South, focused on filtering carbon dioxide from the atmosphere to combat climate change and reduce reliance on fossil fuels. The company designs, builds, and deploys patented technology that utilizes Kenya's geothermal energy and geological resources to enhance the efficiency and cost-effectiveness of DAC technology. By capturing CO2 directly from the air, Octavia Carbon enables the conversion of this greenhouse gas into stable underground rock formations or repurposes it as an industrial gas, helping to replace polluting fossil fuels. This innovative approach not only addresses environmental concerns but also supports industrial power users in East Africa, contributing to the fight against energy poverty in the region.

We help large companies that want to help their affinity users to solve unforeseen events fast, by minimizing costs, through a smart digital agent embedded in any company’s interface

Koltin is a dedicated health insurance company focused on providing insurance and preventative care services to seniors in Mexico, particularly those over 60. Recognizing the growing need in this demographic, Koltin offers a comprehensive platform that combines traditional insurance coverage with personalized care. Through partnerships with major insurance carriers, it provides access to major medical health insurance, accident insurance, and emergency medical coverage. Additionally, Koltin offers unlimited preventive advice from specialists and tech-enabled health aging plans, allowing older adults to maintain their independence while ensuring their physical and mental well-being. By addressing the unique health needs of this age group, Koltin establishes itself as a leading alternative for older Mexicans seeking quality healthcare solutions.

Hourwork is a recruitment and retention platform that connects employers with hourly workers, focusing on optimizing the hourly workforce. Founded in 2018 and previously known as Syrg, the company serves over 5,000 quick-service restaurant franchises across the United States. Its platform integrates seamlessly with existing human resource software, enhancing operational compliance and security. By facilitating the recruitment of past applicants and former employees, Hourwork enables businesses to reduce costs, improve compliance, and boost employee engagement, ultimately striving to create an hourly workspace that benefits all stakeholders involved.

Cold Hubs is a solar-powered walk-in cold room. They offer storage for fresh fruits, vegetables, and other agricultural perishables. Farmers have access to a flexible pay-as-you-store subscription model through Coldhubs. Farmers transfer their perishable foods into reusable crates, which fit neatly onto the shelves, in order to prepare them for storage.

Caantin is focused on enhancing the contribution of restaurants to the global economy by providing a comprehensive platform tailored for the African food industry. Their solution facilitates food supply procurement, short-term credit access, and overall business management for restaurants. By developing vendor management and payments software, Caantin simplifies onboarding and operations, which improves customer satisfaction and business performance. The platform streamlines procurement processes, supplier payments, and inventory financing, while also offering payment reminders and a collection system for accounts receivable. This enables clients to obtain necessary products at competitive prices, ultimately supporting the growth of food businesses across Africa.

AquaRech includes Farm management that enhances fish production, enables access to the market & promotes equal trade.

Tulix is a remittance and payments platform designed to facilitate easy and convenient money transfers to loved ones in Africa. The app empowers users to manage their finances collaboratively by allowing them to share money for various needs, such as household expenses, education, and medical costs. Tulix enhances the transparency and accountability of financial transactions by enabling users to co-determine how funds will be spent with their beneficiaries. The platform features innovative tools like "jars" for collaborative budgeting and goal-based savings, which contribute to improved financial health for households. By providing instant payment capabilities to local businesses and maintaining connections across borders, Tulix supports users in building healthier financial relationships while maximizing the impact of local and international remittances.

Tulix is a remittance and payments platform designed to facilitate easy and convenient money transfers to loved ones in Africa. The app empowers users to manage their finances collaboratively by allowing them to share money for various needs, such as household expenses, education, and medical costs. Tulix enhances the transparency and accountability of financial transactions by enabling users to co-determine how funds will be spent with their beneficiaries. The platform features innovative tools like "jars" for collaborative budgeting and goal-based savings, which contribute to improved financial health for households. By providing instant payment capabilities to local businesses and maintaining connections across borders, Tulix supports users in building healthier financial relationships while maximizing the impact of local and international remittances.

Caantin is focused on enhancing the contribution of restaurants to the global economy by providing a comprehensive platform tailored for the African food industry. Their solution facilitates food supply procurement, short-term credit access, and overall business management for restaurants. By developing vendor management and payments software, Caantin simplifies onboarding and operations, which improves customer satisfaction and business performance. The platform streamlines procurement processes, supplier payments, and inventory financing, while also offering payment reminders and a collection system for accounts receivable. This enables clients to obtain necessary products at competitive prices, ultimately supporting the growth of food businesses across Africa.

Mujer Financiera is a startup dedicated to reducing the gender gap in financial inclusion for women, particularly in Latin America. The company provides a financial education platform that focuses on enhancing women's financial literacy through a comprehensive academy covering topics such as budgeting, saving, and investing. In addition to educational resources, Mujer Financiera offers a user-friendly application that helps women track their finances effectively. The platform also fosters a supportive online community, empowering women to make informed financial decisions, start saving, invest wisely, and manage their personal finances. Through these initiatives, Mujer Financiera aims to equip women with the knowledge and tools necessary to achieve their financial goals and build a secure financial future.

Brimore is a social commerce platform that connects emerging brand owners with a network of individual distributors, enabling them to market and sell their products via social media. The platform facilitates a parallel distribution channel, allowing small local manufacturers to reach consumers directly through freelance sales agents. By leveraging data analytics, Brimore provides nationwide coverage across all twenty-seven governorates, enhancing the visibility and accessibility of emerging brands in the market. This approach supports local businesses by expanding their sales reach and fostering a community-driven sales model.

Swoove is a logistics service aggregator that focuses on enhancing delivery experiences for businesses and their customers. It offers a comprehensive dispatch and fleet management solution that enables efficient and cost-effective operations. Swoove provides real-time monitoring, updates, and tracking of deliveries, allowing businesses to manage their shipping processes seamlessly. With services beginning at a competitive price point, Swoove supports small and medium-sized enterprises (SMEs) in Africa, starting with Ghana, by facilitating reliable doorstep delivery and accurate pricing. This platform empowers businesses to expand their reach while ensuring quality service in both local and international markets.

Oze is a digital platform designed to support small and medium-sized enterprises (SMEs) in Africa by providing tools for managing sales, expenses, and customer data. The app enables entrepreneurs to track their financial activities efficiently and offers tailored recommendations, reports, and business education to enhance their operations. Oze also provides access to coaching for users seeking additional guidance. By leveraging data and machine learning, Oze can assess credit risk and facilitate affordable financing options through banking partners. With a user base exceeding 150,000, Oze has established itself as the largest online community of SMEs in West Africa, demonstrating significant impact as 97% of businesses using Oze for over nine months have reported growth or profitability.

Tendo is an online platform based in Accra, Ghana, that enables independent resellers to start their own e-commerce businesses without any upfront investment. Founded in 2019, the company connects resellers with products sourced from various suppliers, allowing them to sell ready-to-ship items directly to customers. Tendo's application facilitates the addition of profit margins to products and offers access to social media platforms for marketing. Resellers can list products at wholesale prices without the need for inventory management or transportation logistics, thereby simplifying the process of independent reselling. This model empowers small businesses and individuals to engage in online commerce efficiently.

Shopa is a digital platform that connects informal retailers with manufacturers and suppliers to streamline the ordering and delivery process. By digitizing the informal retail supply chain, Shopa facilitates direct access for retailers to source essential goods, thereby enhancing product availability in underprivileged communities. Additionally, the platform offers microcredit options to support informal retailers in managing their business activities effectively. Through these services, Shopa aims to bridge the gap between informal retailers and suppliers, ultimately contributing to the economic empowerment of underserved markets.

TOP is a women-owned period care company that aims to empower women with better product choices, protecting their bodies and the environment. It offers offers organic tampons and pads that are accessible to everyone. Wherever there is toilet paper, there MUST be period products.

Farmers, especially smallholder farmers, have always had trouble accessing financing as banks are wary of fund mismanagement. Crop2Cash makes formal financing a 100% transparent process for banks while providing much-needed capital to responsible farmers.

PocketFin is a FinTech company that specializes in a micro-insurance distribution platform aimed at enhancing access to financial services in tier 2, 3, and 4 towns and cities in India. The company employs a hybrid sales network that combines an app-based approach with traditional agent-based methods. By aggregating local influencers who are already connected with various financial agencies, PocketFin enables these agents to utilize a customized customer relationship management system to effectively manage monthly collections. This model not only supports financial institutions in penetrating rural markets but also provides banks, non-banking financial companies, and small lenders with efficient lending and collection solutions tailored to the needs of underserved populations.

Verqor is an innovative platform that transforms the agricultural sector by integrating finance and technology. It provides farmers with access to cashless credits, facilitating the purchase of essential supplies and machinery. By employing an alternative data-driven credit scoring system, Verqor aims to enhance financial inclusion within the agricultural community. The platform connects various stakeholders in the agriculture industry, including buyers, sellers, and financial institutions, promoting collaboration and transparency. Financial institutions can issue low-risk credits based on Verqor's unique credit assessment criteria, ensuring that farmers can acquire necessary resources while enabling crop buyers to access quality produce. This approach empowers farmers and strengthens supply chain management in the agriculture sector.

Ohm Mobility is a platform that provides fintech and clean transportation services. Ohm Mobility is building a technology platform to enable clean, connected & shared transportation that will revolutionize urban transportation.

Ziada is a mobile application that connects consumers with service providers in the unorganised sector. The platform facilitates growth for service providers by helping them find new clients actively seeking trusted services. Additionally, Ziada offers business advisory services and access to equipment rental, enhancing the capabilities of service providers. Users can select the required service category and choose a provider based on their location, thus streamlining the process of finding reliable assistance.

HealthDart provides digital health, pharmacies, healthcare, and health finance services. They also provide medicines, in-person consultations with verified nurses and doctors, and instant health advice services. ,

Boost Technology provides financial B2B commerce platforms. The company provide services that create a tipping point and services that listen, learn, build, and iterate on a shared platform. Boost assists distributors in the trillion-dollar informal economy. Boost is a single, adaptable platform that allows clients to be served in numerous languages and currencies, with multiple catalogues and prices available across channels.

KudiGo is a technology company that provides a mobile-based integrated solution designed for informal consumer retailers in Africa. Its platform offers a comprehensive suite that includes retail management, accounting, and non-cash payment processing, along with AI-powered analytics. By leveraging innovative technology, KudiGo helps users improve their business oversight and adopt efficient bookkeeping practices, promoting financial inclusion. Additionally, the company utilizes big data and blockchain technology to enhance transparency and facilitate real-time monitoring for manufacturers and distributors in the retail sector.

Power is a platform that provides financial services to employees and gig workers across sub-Saharan Africa. They enable individuals to access earned wages, loans, insurance, payments, and savings so they can live with dignity, reduce financial-related stress, and take control of their financial well-being.

Kandua is an online marketplace for home services. Kandua eliminates all types of risk associated with hiring small, independent contractors to do home renovations, maintenance, and repairs in South Africa. All communication, invoicing, and payments happen through the platform.

Jetstream Africa Limited is a cloud-based logistics platform based in Accra, Ghana, founded in 2018. The company specializes in providing cross-border marine logistics services, facilitating freight forwarding and global exports for African suppliers. By offering tools for booking, tracking, and consolidating shipments, Jetstream enhances access to international trade for small and medium-sized enterprises (SMEs) across Africa. The platform aims to simplify the shipping process, making it more accessible for businesses to engage in global commerce.

Koa is a savings and financial services platform that offers technology solutions and financial services applications through its API. Co-founded by Alexis Roman and Delila Kidanu, the company specializes in embedding financial services, effectively delivering savings-as-a-service to its clients.

Indicina is a digital lending platform that provides analytics-driven credit decisions for lenders. The company offers technology solutions to help businesses in offering credit to customers faster, more securely, and at scale. It was founded in 2018 and is based in Lagos, Nigeria.

Lami is an end-to-end digital insurance platform and API that enables companies across sectors to offer insurance products. Its API allows underwriters to connect with consumer-facing companies that can provide embedded insurance as a value add for existing customers, many of whom are uninsured.

KarmaLifeAI is an AI-powered digital solution for the financial well being of blue-collar gig workers and micro-business. The company allows the user to pay directly for key expenditures and smoothen their consumption patterns. It offers real-time access to credit for gig workers, based on their payroll account, through partnerships with the digital platforms they work for. It operates an interest-free subscription model in which the platform or the gig worker can pay a flat fee and access credit equalling up to one-third of their monthly income. The company analyzes alternative data points and payment behavior over time to unlock higher credit lines for the workers.

Wellahealth is a startup that has developed a digital triage bot that provides guidance based on Nigeria Centre for Disease Control guidelines and logs responses for follow up by public health as needed.

Graviti offers the products needed the most, financed for months. No credit or debit card, no initial payment, no arrears, and with credit approved immediately. It wants to make sure every family in LATAM is able to buy basic appliances for the home by offering fair and accessible financing to acquire them. The company was founded in 2019 and is based in Mexico.

Employee benefits platform offering users early access to earned wages at affordable rates while focusing on financial wellness and safe and responsible financial inclusion through gamification

MangoLife is a provider of life, retirement, education, and health insurance to protect an individual and his family against the fundamental risks of life. The company uses technology to streamline every interaction clients have with their insurance and the contracting process, avoiding unnecessary paperwork and confusing coverage that other insurers offer. MangoLife was established in 2017 and is headquartered in Leon, Guanajuato.

Flex Finance is a spend management platform tailored for small and medium-sized enterprises in Africa, addressing the critical issue of financial mismanagement that leads to high business failure rates. Recognizing that 90% of businesses on the continent may not survive past five years due to inadequate financial oversight, Flex provides tools to streamline expense management. The platform features an intuitive user interface that facilitates budgeting, expense tracking, digital requisitions, and bulk payment transfers. By offering these services through both mobile and web applications, Flex empowers businesses to digitize their financial operations, making them more efficient and better equipped to manage their spending in an increasingly digital environment.

Chipper Cash is a financial services company founded in 2017 and headquartered in San Francisco, California. The company operates a mobile application platform that facilitates free and instant cross-border money transfers across Africa. By allowing users to send money to any mobile phone number in the region, Chipper Cash promotes financial inclusivity and provides a frictionless method for personal payments in different currencies. Its aim is to make peer-to-peer money transfers as simple and accessible as sending a text message, thereby enhancing the efficiency of financial transactions across the continent.

Wasoko is an e-commerce platform designed to connect small shops with the digital economy across Africa. By facilitating access to essential goods and services, it enhances sales and market reach for companies in emerging markets. The platform allows informal retailers to conveniently order products anytime through SMS or a mobile app, ensuring free same-day delivery to their stores. This service simplifies the sourcing process for shopkeepers while helping manufacturers maintain consistent product availability for consumers. Overall, Wasoko plays a significant role in fostering trade and economic growth in the region.

Gro is an app that provides financial services, digital accounts, and savings. Offer customers products with reasonable prices, diversified business models, and benefits that are very beneficial to investors. is a private asset manager that specializes in investing in funds.

Meerkat is a financial wellness business committed to making a real difference in the financial lives of its customers. The company's credit life business offers comprehensive cover at lower premiums all with a tap on the mobile phone. Meerkat was established in 2015 and is headquartered in Cape Town, South Africa.

Kwara GmbH is a Berlin-based company that specializes in providing a digital banking platform specifically designed for savings and credit co-operative societies (SACCOs). Founded in 2018, Kwara's cloud-based platform facilitates loan application servicing and approval for members, along with offering integration services, customer support, real-time financial tracking, and compliance services. The company also features Kwara Pronto, a tool for loans management. With a presence in Nairobi, Kenya, Kwara has successfully transformed over 200 SACCOs into modern digital financial institutions across Kenya, South Africa, and the Philippines, enhancing their operational efficiency and financial inclusion through its advanced core banking system and mobile banking experience.

PesaKit is an Artificial Intelligence (AI) powered virtual assistant for mobile money agents. It is a provider of a software application designed to digitize distribution and access channels for mobile money and digital finance. Its software offers an artificial intelligence-based API driven interface which performs as a virtual assistant for mobile money agents that enables users to manage liquidity and conversion process easily. PesaKit was established in 2018 and is headquartered in Nairobi, Kenya.

CowryWise is a FinTech company based in Lagos, Nigeria, that offers a personal finance platform designed to automate savings and investments for users across the country. The platform allows users to set up automatic transfers from their bank accounts to their CowryWise accounts on a daily, weekly, or monthly basis, with these savings earning interest through risk-free investments such as treasury bills and government bonds. By leveraging technology and investment management, CowryWise aims to democratize access to premium financial services at low costs, helping customers achieve their savings and investment goals in a simple, secure, and rewarding manner. The company also provides free wealth advisory and consumer education to promote financial inclusion among its users.

Spoon Money is an online stokvel management platform designed to enhance transparency, security, and accountability in traditional stokvel practices. It focuses on community needs by developing products that address specific customer requirements. The platform provides users with secure access to loans, as well as savings and credit solutions aimed at fostering sustainable livelihoods and financial resilience. Additionally, Spoon Money captures quality data to support a proprietary credit scoring methodology, which helps users boost earnings and encourages positive saving behaviors.

Visual and AI Solutions (VAIS) is a deep-tech company focused on advancing agricultural technology and Earth observation analytics through innovative AI and deep learning algorithms. The company aims to support climate-smart farming practices by optimizing resource utilization and reducing environmental impact. By leveraging proprietary technology, VAIS develops solutions that enhance the efficiency of agricultural operations and improve the analysis of multispectral Earth observation data.

Chipper Cash is a financial services company founded in 2017 and headquartered in San Francisco, California. The company operates a mobile application platform that facilitates free and instant cross-border money transfers across Africa. By allowing users to send money to any mobile phone number in the region, Chipper Cash promotes financial inclusivity and provides a frictionless method for personal payments in different currencies. Its aim is to make peer-to-peer money transfers as simple and accessible as sending a text message, thereby enhancing the efficiency of financial transactions across the continent.

Turaco Inc. is an insurance technology company that specializes in providing health and life insurance services to low-income groups. Established in 2018 and based in Wilmington, Delaware, Turaco utilizes mobile technology to offer simplified insurance products and on-demand health loans. This approach addresses the healthcare financing needs of its customers, enabling them to access affordable medical coverage through manageable monthly premiums. By developing user-friendly mobile applications and online platforms, Turaco aims to enhance access to essential insurance services, particularly in emerging markets.

Hover, LLC, founded in 2002 and based in Eaton, Colorado, specializes in mobile money payment solutions. The company's application facilitates seamless mobile transactions, tapping into the rapidly growing global mobile money industry, which processes over $1.3 billion daily. Hover's Android API allows developers to integrate various mobile money services efficiently, making it easier for businesses to offer payment solutions worldwide.

Nearly 2 billion people around the world are unbanked and lack access to formal financial services. For refugees, migrants, and cross border traders, this is particularly challenging because they have no safe or reliable way to bring their money across borders or an affordable way to send and receive money, leaving them vulnerable to exploitative exchange rates and theft. With Leaf, users can travel without cash and rest assured that their money will be safe and accessible no matter where they go. Friends and family around the world can also deposit into a refugee’s account, regardless of location. Backed by blockchain technology of Stellar, Leaf ultimately creates an economic identity that customers can use to establish themselves in a new country.

Banco Maré is a social startup that allows users to pay their bills, transfer amounts between users through an application. Through the app, users can transact their bills, buy in the local market using the digital currency that by choice of the inhabitants of the Tide, is called "stilt". The company aims to serve regions and communities that do not have a financial system. The company is based in Rio de Janeiro.

payAgri is a farmer-centric, technology-driven business that operates within the agriculture and food sector, focusing on creating a sustainable and inclusive model throughout the agricultural value chain. Established in 2017 and headquartered in Theni, Tamil Nadu, payAgri connects farmers directly with buyers, facilitating trade and funding flows while generating verifiable and traceable data. This approach helps farmers build assets and eliminates inefficiencies in the value chain, such as reliance on middlemen and cash-based transactions. The company has benefited from support and incubation by various institutions, including IIMA-CIIE, NABARD MABIF, and the Royal Agricultural University in the UK, as well as from insights gained through six years of extensive research in the farming and rural sectors.

Zippi provides financial services for microentrepreneurs in Latin America.

intelligent communications for financial institutions

Chipper Cash is a financial services company founded in 2017 and headquartered in San Francisco, California. The company operates a mobile application platform that facilitates free and instant cross-border money transfers across Africa. By allowing users to send money to any mobile phone number in the region, Chipper Cash promotes financial inclusivity and provides a frictionless method for personal payments in different currencies. Its aim is to make peer-to-peer money transfers as simple and accessible as sending a text message, thereby enhancing the efficiency of financial transactions across the continent.

payAgri is a farmer-centric, technology-driven business that operates within the agriculture and food sector, focusing on creating a sustainable and inclusive model throughout the agricultural value chain. Established in 2017 and headquartered in Theni, Tamil Nadu, payAgri connects farmers directly with buyers, facilitating trade and funding flows while generating verifiable and traceable data. This approach helps farmers build assets and eliminates inefficiencies in the value chain, such as reliance on middlemen and cash-based transactions. The company has benefited from support and incubation by various institutions, including IIMA-CIIE, NABARD MABIF, and the Royal Agricultural University in the UK, as well as from insights gained through six years of extensive research in the farming and rural sectors.

Rukula is a financial services provider focused on assisting financially-excluded individuals by offering small loans for household consumer durables and electronic items. The company aims to enhance the quality of life for these communities by enabling access to essential products through a simple and transparent lending process. By facilitating loans that help individuals acquire items they may otherwise be unable to afford, Rukula plays a critical role in improving the financial well-being of its clients.

Grão is born to change the relationship of Brazilians with their money.

Asaak is a financial services provider that focuses on offering asset financing to mobility workers in emerging markets, specifically in East Africa and Mexico. The company operates a mobile-based microfinance platform designed to democratize access to financial services and support business growth. Asaak's platform facilitates various aspects of lending operations, including underwriting, application processing, investor management, and loan servicing. By providing these digital finance tools, Asaak enables clients to effectively reach their customers and enhance their business operations.

ToGarantido is an omnichannel platform based in Brazil that specializes in selling microinsurance tailored for low-income populations. The company operates as an online broker, providing access to various insurance products such as PME insurance, motorcycle insurance, and auto insurance. ToGarantido's platform facilitates seamless integration options for insurers, allowing for customizable features like chatbots and APIs. This approach not only simplifies the insurance process for clients but also enables insurers to introduce new products and generate additional revenue opportunities. By focusing on the underserved market, ToGarantido aims to improve insurance accessibility for uninsured individuals.

MobiLife is an insurance provider established in 2015 and headquartered in Johannesburg, South Africa. The company focuses on transforming the micro-insurance sector by offering insurance products and processes that are fully accessible through smartphones. MobiLife aims to support South African families by providing financial protection, ensuring they do not face hunger due to the loss of a primary income earner. Through its innovative approach, MobiLife seeks to make insurance more accessible and relevant to the needs of its customers.

ESCALA Educación is a social enterprise that promotes access to higher education and financial inclusion by offering enhanced saving plans with educational benefits. ESCALA partners with companies and becomes their main educational benefits provider, through which employees save through their paychecks for education either for themselves or their children. These savings are coupled with company matching funds, tuition discounts, career counseling and other education benefits that make higher education accessible for all.

ESCALA Educación is a social enterprise that promotes access to higher education and financial inclusion by offering enhanced saving plans with educational benefits. ESCALA partners with companies and becomes their main educational benefits provider, through which employees save through their paychecks for education either for themselves or their children. These savings are coupled with company matching funds, tuition discounts, career counseling and other education benefits that make higher education accessible for all.

At Smile ID they believe anyone should be able to prove their identity easily, anywhere in the world. Their team is made up of American and African engineers and financial services professionals with experience across global markets in highly regulated environments. They have built encryption, authentication and security solutions. They have developed image processing technology from the chip level up. They have been part of security investigations and have pursued fraudsters. Having worked with, or for, telecoms, lenders, banks and startups, they know the challenges of building world class technology and they understand the needs of the African consumer and enterprise customer. They are backed by leading Silicon Valley & African investors and they have pan-African reach, with representation in the United States, South Africa, Nigeria, Kenya, Ghana and Rwanda.

At Smile ID they believe anyone should be able to prove their identity easily, anywhere in the world. Their team is made up of American and African engineers and financial services professionals with experience across global markets in highly regulated environments. They have built encryption, authentication and security solutions. They have developed image processing technology from the chip level up. They have been part of security investigations and have pursued fraudsters. Having worked with, or for, telecoms, lenders, banks and startups, they know the challenges of building world class technology and they understand the needs of the African consumer and enterprise customer. They are backed by leading Silicon Valley & African investors and they have pan-African reach, with representation in the United States, South Africa, Nigeria, Kenya, Ghana and Rwanda.

Harvesting Inc. operates a global business intelligence platform focused on agriculture, providing an online software-as-a-service solution that enables stakeholders in the agricultural value chain to assess and manage agri-climatic business risks. The company's agriculture intelligence engine leverages data collection, analysis, and reporting to deliver insights into cropland conditions and weather patterns. By utilizing advanced technologies such as remote sensing satellites and machine learning algorithms, Harvesting offers accurate information for crop monitoring and risk assessment. Its platform serves various clients, including crop insurance companies and agricultural input firms, facilitating risk analysis and enhancing insurance programs. Founded in 2016 and based in Sunnyvale, California, Harvesting aims to bring speed, accuracy, and transparency to agricultural decision-making.

Harvesting Inc. operates a global business intelligence platform focused on agriculture, providing an online software-as-a-service solution that enables stakeholders in the agricultural value chain to assess and manage agri-climatic business risks. The company's agriculture intelligence engine leverages data collection, analysis, and reporting to deliver insights into cropland conditions and weather patterns. By utilizing advanced technologies such as remote sensing satellites and machine learning algorithms, Harvesting offers accurate information for crop monitoring and risk assessment. Its platform serves various clients, including crop insurance companies and agricultural input firms, facilitating risk analysis and enhancing insurance programs. Founded in 2016 and based in Sunnyvale, California, Harvesting aims to bring speed, accuracy, and transparency to agricultural decision-making.

PayLatr is a recurring micro-credit mobile platform offering interest-free monthly credits to low-income households in India to easily pay for retail transactions without cash, credit cards or other pre-paid means. On average, a middle-income household in India spends about 7,000 – 9,000 rupees at any neighborhood store. More than 95 percent of transactions are in cash because most stores do not accept cards and/or users do not have credit cards. Often, households experience cash crunch issues by using up most of their cash for grocery shopping. PayLatr offers monthly credit to improve their household cash flow by providing recurring monthly credit lines at various merchants, via mobile money.

PayLatr is a recurring micro-credit mobile platform offering interest-free monthly credits to low-income households in India to easily pay for retail transactions without cash, credit cards or other pre-paid means. On average, a middle-income household in India spends about 7,000 – 9,000 rupees at any neighborhood store. More than 95 percent of transactions are in cash because most stores do not accept cards and/or users do not have credit cards. Often, households experience cash crunch issues by using up most of their cash for grocery shopping. PayLatr offers monthly credit to improve their household cash flow by providing recurring monthly credit lines at various merchants, via mobile money.

Grafica is a developer of a cloud-based software platform specifically designed for solar distributors. The company offers a modular software-as-a-service solution that is both affordable and scalable, allowing distributors to integrate various essential services, including Internet of Things, customer relationship management, inventory management, data analytics, and credit scoring. Grafica's platform enhances decision-making by providing analytics based on payment history and usage data, enabling stakeholders in the solar industry to make informed choices regarding financing and operational efficiency as their businesses grow.