Resources

Public materials for infrastructure review.

We have prepared this page for investors, banks, operators, and strategic partners reviewing our corridor-first settlement work.

Open Investor Page Request Qualified Review
Open materials

Documents available now.

These materials explain how we are approaching corridor settlement infrastructure, while keeping API design, partner strategy, licensing work, and corridor economics for qualified discussions.

Company

Kowry Overview

We are building cross-border settlement orchestration for fragmented African mobile money and banking rails, beginning with a corridor-first operating model.

Open overview
Investors

Investor Page

The public investor page explains the pre-seed case, Tanzania-Zambia focus, regulatory workstreams, and partner routes.

Open investor page
Compliance

AML & Risk Position

Public compliance posture covering AML/CTF principles, sanctions screening, operational risk, and pre-commercial regulatory status.

Open AML policy
Legal

Privacy & Terms

Core public legal pages for data handling, platform terms, partner dependencies, and cross-border settlement risk disclosure.

Privacy Terms
Public briefs

Briefs for first review.

Short notes on the market problem, our infrastructure approach, and the regulatory posture behind the work.

01

Corridor Settlement Thesis

Africa already has high-trust domestic rails: mobile money, banks, and local payment processors. The weak point is cross-border coordination between those rails. We are starting with one corridor so licensing, operator engagement, liquidity, FX handling, and reconciliation can be proven before expansion.

  • Start narrow: Tanzania-Zambia before wider coverage claims.
  • Coordinate existing rails instead of asking users to adopt a new wallet.
  • Measure corridor economics through fees, FX spread, failure rate, reserve usage, and reconciliation effort.
02

Infrastructure Principles

We treat cross-border money movement as stateful infrastructure, not a clean API call. Every transaction should have explicit lifecycle state, idempotent retry behavior, route health checks, liquidity controls, and reconciliation evidence.

  • No route should be selected without sufficient free liquidity.
  • No duplicate callback should create duplicate financial effects.
  • No transaction should be considered complete until reconciliation evidence exists.
03

Regulatory & Partner Posture

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

  • Regulated services will be provided only where authorised or through approved regulated partners.
  • Compliance, AML, sanctions screening, transaction review, and reporting duties are treated as infrastructure requirements.
  • Banking, mobile-money, FX, and safeguarding relationships remain gating work, not launch decoration.
Controlled access

Available by request.

We can share deeper materials with VCs, banks, operators, and regulated partners where there is a clear diligence or partnership purpose.

Investor Diligence Pack

High-level architecture, investment narrative, corridor rationale, and operating assumptions. We share this selectively for qualified diligence.

Architecture Review

Settlement lifecycle, idempotency, ledger principles, route health, liquidity controls, reconciliation, and manual review design.

Simulation Evidence

Inspectable scenarios for duplicate callbacks, delayed confirmations, liquidity shortfall, FX variance, reconciliation breaks, and treasury review.

Partner Discussion Notes

Corridor readiness, licensing gates, banking and operator model, compliance expectations, and controlled beta requirements.

Boundaries

Materials not published on the open site.

Some materials are better reviewed in context with investors, banks, operators, counsel, or regulated partners.

  • Full API endpoint design and production integration details
  • Ledger schema, treasury assumptions, and liquidity thresholds
  • Corridor economics, pricing model, and financial projections
  • Operator target list, partner negotiation notes, and licensing tactics
  • Simulator source package and internal failure-test outputs
  • Investor deck with round terms beyond what is already public
Reviewer routes

Who should request what.

VCs & Infrastructure Investors

Request our investor diligence pack, corridor rationale, architecture summary, and controlled simulation walkthrough.

investors@kowry.io

Banks, Operators & PSPs

Request a partner conversation with us around corridor readiness, settlement controls, reconciliation, liquidity, and compliance dependencies.

partners@kowry.io

Compliance & Legal Reviewers

Review the public AML position first, then request additional policy and control detail where there is a specific review need.

compliance@kowry.io
Kowry is not a bank. Regulated services will be provided only where Kowry is appropriately authorised or operating through approved regulated partners.