Incorporated in England & Wales · Company No. 17202314

The Settlement Infrastructure
Layer for African Commerce.

Africa solved the last-mile problem. Hundreds of millions of people transact daily on mobile money. The cross-border problem — connecting those systems to each other — remains completely unsolved. Kowry is the layer that fixes it.

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$700B+

African Payment Flows p.a.*

20+

Currencies Supported

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 through a controlled settlement layer. We start with the Tanzania-Zambia corridor, where licensing, operator access, liquidity, and reconciliation discipline create the operating barrier.

📱

Sender

M-Pesa · MTN MoMo
Airtel · Orange

⇌

🏦

Mobile Money

Tanzania · Zambia
+ 20 markets

⇌

⚡

Kowry

Settlement Orchestration
FX · Liquidity · Compliance

⇌

🌍

Cross-Border

Regulated Settlement
Mechanisms

⇌

📲

Recipient

Any Country
Any Mobile Money

Kowry does not ask institutions or customers to abandon the mobile money systems they already trust. We coordinate them. Value moves through existing operator accounts while Kowry handles routing, settlement state, liquidity checks, and reconciliation underneath.

Operating Reality

Designed for Imperfect Rails

Mobile-money settlement is not a clean API problem. Kowry is built around delayed confirmations, duplicate callbacks, operator outages, FX movement, and reconciliation work that still has to close after the happy path breaks.

Delayed confirmations

Transactions remain in explicit pending states until operator evidence arrives. Retries are controlled, time-bounded, and visible to operations teams instead of being hidden behind a spinner.

Duplicate events

Idempotency keys, replay-safe handlers, and immutable event history prevent duplicate operator callbacks from creating duplicate financial effects.

Operator downtime

Routing decisions degrade deliberately. If a rail is unhealthy, the engine can hold, reroute, or escalate instead of assuming every operator is always reachable.

FX drift

Quoted rates, executed rates, and settlement rates are tracked separately so treasury and finance teams can see where corridor exposure actually moved.

Liquidity shortfall

Corridor balances are monitored before routing, with reserve thresholds and treasury escalation paths when local float cannot support the next settlement leg.

Reconciliation drift

Every transaction is traceable from request to operator response to ledger entry, making breaks reviewable by operations and auditable after the fact.

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 manages liquidity checks, FX coordination, retry handling, and compliance controls before value is released across operator rails.

🌐

20+ African Currencies

TZS, ZMW, 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 workstreams are targeted for Tanzania and Zambia. Kowry is UK-incorporated with core legal, privacy, terms, and AML materials prepared for further counsel and regulator review.

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

🇿🇲 ZMW — Zambian Kwacha

🇰🇪 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

🇸🇸 SSP — South Sudanese Pound

🇬🇧 GBP — British Pound

🇺🇸 USD — US Dollar

🇪🇺 EUR — Euro

+ More at launch

Mobile Money

Connect Existing
Mobile Money Rails

Kowry routes settlement through mobile money and banking rails already used in-market, with internal controls for state, liquidity, compliance, and reconciliation.

📱 M-Pesa — Tanzania, Kenya, Mozambique

📱 MTN MoMo — 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

→

🇿🇲

Airtel Money Zambia

Recipient

You send

50,000 TZS

Recipient gets

~470 ZMW

Fee: 1.0% Rate: illustrative TZS/ZMW

Settlement state tracked through Kowry infrastructure

Platform Stack

The Systems Underneath Settlement

Kowry is organised around the pieces a real corridor needs to settle reliably: orchestration, adapters, liquidity, routing, reconciliation, and compliance controls that can be inspected later.

Settlement orchestration

Lifecycle state machines coordinate initiation, operator acknowledgement, settlement finality, retries, reversals, and manual exception paths.

Transaction control plane

Operator adapters

Each mobile-money and banking integration is normalised behind a narrow adapter boundary so unreliable partner behavior does not leak across the platform.

Integration boundary

Liquidity intelligence

Corridor balances, reserve thresholds, expected settlement windows, and treasury positions inform whether a route is available before money moves.

Treasury visibility

Routing engine

Routes are scored by operator health, corridor liquidity, FX conditions, latency, and failure history rather than by a fixed preferred rail.

Decisioning

Reconciliation

Append-only events, ledger records, and operator reports are compared continuously so drift is visible, explainable, and repairable.

Financial control

Outbox and async workers

Committed state changes publish through a transactional outbox, with queue-backed workers handling retries, callback polling, reconciliation jobs, and treasury tasks.

Replay-safe execution

Compliance and observability

Institutional APIs, audit logs, sanctions workflows, traceable events, metrics, and operational alerts are part of the core system surface.

Institutional access

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-Zambia beachhead. M-Pesa and Airtel Money adapter work, PSP licensing workstreams, and controlled beta readiness.

Seed · 2027

Expand the Network

Mozambique, Namibia, Angola evaluation. Operator diligence, corridor economics, and institutional distribution planning.

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.

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 preparing cross-border settlement infrastructure for the Tanzania-Zambia corridor, built for institutions and businesses moving value across African mobile-money and banking rails.

No spam. We will only reach out when we are ready to onboard you.

The Settlement Infrastructure Layer for African Commerce.