Pre-seed round ยท $750,000 ยท $5M post-money SAFE

Back Africa's Settlement
Infrastructure Layer

Kowry is building mobile-money-native cross-border settlement infrastructure for African commerce, beginning with Tanzania and Zambia.

Express Interest Review Materials
1.4B
People in Africa
$750K
Pre-seed round
$5M
Post-money valuation cap
$86B
Annual remittance flows into Africa
The Opportunity

Africa has mobile money.
It lacks the settlement layer.

Hundreds of millions of Africans transact daily through M-Pesa, MTN MoMo, Airtel Money, and Orange Money. Those systems are powerful domestically, but fragmented across borders. Kowry connects the trusted rails people already use.

๐ŸŒ
Focused Beachhead
Kowry begins with Tanzania and Zambia: two mobile-money-heavy markets with progressive regulatory pathways and underserved cross-border payment demand.
Tanzania ยท Zambia
โ†”๏ธ
Mobile Money Native
The wedge is not a new wallet. Kowry coordinates the mobile money and banking rails customers already use while handling routing, FX coordination, liquidity, and compliance underneath.
Operator-first rails
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Sub-60-Second Target
Kowry is designed to reduce the cost and delay of correspondent-bank routing by coordinating settlement across regulated local rails and corridor liquidity pools.
Settlement orchestration
๐Ÿ“ˆ
Regulatory First
The round is sized to progress PSP licensing, operator engagement, compliance architecture, and corridor beta launch before expanding the product surface.
Licensing milestone
๐Ÿ”’
Compliance-Ready
KYC, AML monitoring, sanctions screening, transaction review, and reporting obligations are treated as infrastructure requirements, not later-stage add-ons.
Regulatory
๐Ÿค
Operator Partnerships
The first commercial milestone is formal engagement with mobile money operators and local settlement partners in the Tanzania-Zambia corridor.
Partnerships
Why Kowry

Start with one corridor.
Make the controls real.

The pre-seed case is intentionally narrow: complete the licensing path, integrate the first operators, run a controlled corridor beta, and prove the settlement controls before broadening the surface area.

01
Problem proximity
The company is built around a concrete operating problem: cross-border value still moves through fragmented rails, slow settlement windows, and expensive workarounds.
02
Existing behavior
The first deployment works with mobile money behavior that already exists. Kowry changes the coordination layer, not the rail customers trust.
03
Hard dependencies first
Licensing, local compliance, operator contracts, and settlement banking relationships are treated as gating work, not launch decorations.
04
Testable economics
Stage 1 economics are measurable at corridor level: transfer fee, FX spread, failed-route cost, reserve usage, and reconciliation effort.
05
Reusable core
If the first corridor closes correctly, the same orchestration, ledger, routing, and compliance primitives can support later institutional products.
06
Operator gap
Interoperability remains uneven across African markets. The opportunity sits in the coordination layer between operators, banks, treasury, and compliance teams.
Traction & Roadmap

Where we are.
Where we're going.

2
Beachhead markets
Tanzania ยท Zambia
18 mo
Runway target
Licensing + beta launch
4
Core workstreams
Licensing ยท operators ยท ledger ยท controls
1%
Target transfer fee
Subject to corridor economics

Kowry is raising to fund the work that must exist before any serious corridor launch: regulatory submissions, operator integrations, settlement engineering, reconciliation controls, and a tightly scoped Tanzania-Zambia beta.

Now
UK company incorporated, bank account active, initial policy set drafted, corridor thesis defined
Q3 2026
Submit Tanzania and Zambia licensing workstreams, begin operator due diligence, select KYC/AML vendors
Q4 2026
Controlled corridor beta with settlement states, retry logic, reconciliation reporting, and treasury review in place
2027
Review corridor economics and failure rates, prepare seed round, then evaluate Mozambique, Namibia, and Angola
Our Investor Landscape

Built for investors who understand
African infrastructure

Kowry is seeking partners with payments, mobile money, frontier-market, and regulated fintech experience

African-Focused VCs
  • TLcom Capital
  • Partech Africa
  • Norrsken22
  • Future Africa (Iyinoluwa Aboyeji)
  • Launch Africa Ventures
  • EchoVC
Global Fintech VCs
  • Andreessen Horowitz (a16z)
  • Ribbit Capital
  • Accel
  • Tiger Global
  • Sequoia Capital
  • Lightspeed Venture Partners
Angel & Network Platforms
  • AngelList / Wellfound
  • YC Alumni Network
  • LinkedIn Angel & Family Office network
  • Naval Ravikant AngelList syndicates
Partnership Opportunities

How we can work together

Beyond equity investment, Kowry is open to strategic partnerships that accelerate licensing, operator access, settlement reliability, and regulated distribution.

๐Ÿฆ
Banking & Payment Rails
Banks, mobile money operators, and payment processors seeking cross-border settlement capabilities for existing customer bases.
๐Ÿ“ก
Telco & Mobile Money
Telecom companies with mobile money products seeking regulated cross-border payment and collection capabilities.
๐ŸŒ
Liquidity & Treasury
Liquidity providers, treasury partners, and settlement banks able to support corridor balancing and FX execution.
โš–๏ธ
Regulatory & Legal
Legal, compliance, and licensing partners experienced in African PSP, AML, and cross-border payments regulation.
๐ŸŽ“
Education & Community
Diaspora groups, universities, NGOs, and business networks that can support trusted corridor adoption and financial education.
๐Ÿ’ผ
Enterprise & B2B
Businesses needing payroll, supplier payments, collections, grant distribution, or API access across African mobile money corridors.
Get In Touch

Express your interest

Whether you are an investor, mobile money operator, regulated payment partner, or institution, Kowry is ready to discuss the Tanzania-Zambia corridor and the pre-seed round.

๐Ÿ“ง
Investment Inquiries
investors@kowry.io
For term sheets, data room access, and due diligence requests.
๐Ÿค
Partnership Inquiries
partners@kowry.io
For strategic partnership, API integration, and distribution discussions.
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Headquartered in Africa
UK-incorporated, Africa-focused, with beachhead work centred on Tanzania and Zambia.
๐Ÿ“„
Pitch Deck
Available under NDA. Request access via the form or by emailing investors@kowry.io directly.
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Follow Kowry
Stay updated on our progress and announcements.
in LinkedIn ๐• @kowrytech f Facebook โ—Ž Instagram

We respond within 48 hours. All inquiries are treated confidentially.

Secure Checkout

Institutional access payments

Complete access, diligence, or platform subscription payments through a hosted checkout flow. Settlement infrastructure, corridor operations, and treasury flows remain separate from customer billing.

Infrastructure Access

One-time institutional access payment for diligence materials, technical review, or controlled onboarding.

$100 one-time access

Institutional Subscription

Recurring platform-access payment for institutions that need ongoing account administration and review access.

$15 monthly access

Payments processed through Stripe. Visa and Mastercard accepted.*
*Visa and Mastercard are accepted where supported by the card issuer, customer location, and Stripe configuration.

Ready to back Africa's settlement layer?

Join the investors and partners building mobile-money-native infrastructure for borderless African commerce.

Express Interest Today
Home Investment Case Resources AML Policy Contact in LinkedIn ๐• @kowrytech f Facebook โ—Ž Instagram

Kowry Technologies Ltd is registered in England and Wales (Company No. 17202314). Registered office: 66 Paul Street, London, EC2A 4NA, United Kingdom.

Kowry is pre-commercial and is not currently authorised by the UK Financial Conduct Authority as a regulated financial institution. Planned settlement, payment, FX, and safeguarding services remain subject to licensing, partner agreements, corridor readiness, and further legal review.

Kowry is not a bank. Where applicable, regulated services will be provided only by Kowry once authorised or through approved regulated banking, payment, mobile-money, FX, or safeguarding partners. Compliance concerns: compliance@kowry.io.