GreenHouse Capital

Zone is a regulated blockchain network that facilitates payments and the acceptance of digital currencies. As a blockchain services company, it provides a secure infrastructure that supports various financial transactions in the digital economy. By leveraging advanced blockchain technology, Zone aims to enhance the efficiency and transparency of payment processes, making it easier for businesses and consumers to engage in digital currency transactions. Its focus on regulatory compliance ensures that its services meet the necessary legal standards, fostering trust and reliability in the evolving landscape of digital finance.

Zemo is a developer of a corporate expense management platform that aims to streamline financial processes by eliminating tedious expense reports and reducing unnecessary spending in organizations. Its spend management technology allows businesses to implement controls on issued cards, ensuring that expenditures remain within defined limits. This system also provides administrators and accountants with comprehensive visibility into the spending patterns of all employees, facilitating effective cash flow management. By using Zemo's platform, companies can enhance their financial oversight and promote responsible spending practices.

Keble is a platform dedicated to empowering young Africans in the diaspora by offering accessible and affordable real estate investment opportunities. The company aims to break down barriers in the real estate market, providing a diverse range of investment options tailored to various income levels and financial goals. By democratizing real estate investing, Keble enables users to build wealth in a secure and stable manner, allowing them to invest and diversify their portfolios without the typical burdens associated with real estate assets. Through its services, Keble focuses on helping individuals achieve their financial aspirations.

CredPal is a financial platform that enables both businesses and individuals to make purchases and pay for them in installments at various online and offline merchants. Launched in 2018 by Fehintolu Olaogun and Olorunfemi Jegede, CredPal is headquartered in Lagos, Nigeria. The platform is designed to provide transparency and convenience, allowing users to set up their accounts and select payment plans that best suit their needs. By leveraging technology, CredPal minimizes risk and connects users with multiple financial institutions that offer credit. This service not only facilitates consumer access to credit for purchases but also empowers retail businesses to provide on-demand credit options to their customers.

Encore Pay is a UAE-based FinTech and Payment solutions provider.

Yep! is a “financial super app” with payments, remittance, and banking features.

MarketForce is a technology company based in the US, Kenya, and Nigeria, focused on creating a comprehensive SuperApp for Africa's merchants. Through its B2B commerce and fintech platform, known as "RejaReja," it enables over 200,000 merchants across Sub-Saharan Africa to digitally source and order inventory, make payments, and access financing. The platform also allows merchants to generate additional income by reselling digital financial services, including airtime and bill payments. Founded in 2018 and supported by Y Combinator, MarketForce operates in five markets and employs an asset-light business model. Additionally, it offers tools for sales and distribution automation, empowering field agents to efficiently record activities and collect data in real-time using mobile devices. This integration enhances the overall efficiency and productivity of businesses in the region.

LipaLater is a lending marketplace that facilitates postpaid payments for e-commerce transactions. The platform enables retailers to offer a point-of-sale credit option, allowing consumers to purchase goods and services online and repay in manageable monthly installments. This model supports both retailers and customers by making online shopping more accessible and affordable, as individuals can acquire products without the burden of upfront payments. LipaLater's approach aims to enhance the purchasing experience by providing a risk-free financing solution for consumers.

Apaya is a developer of a unified application programming interface that enables merchants to offer localized payment solutions tailored to their customers' preferences. By facilitating access to over 150 local payment providers across Europe, the Middle East, and Africa, Apaya helps businesses expand into new markets. The platform supports various payment methods, including e-wallets, cash payment schemes, bank transfers, and carrier billing, giving merchants greater control over their transactions and enhancing customer satisfaction. Through its services, Apaya aims to simplify the payment process and enhance the growth potential of merchants in diverse geographies.

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.

Busha is a digital currency exchange platform designed to facilitate the buying, selling, swapping, and storage of various cryptocurrencies. It offers users a reliable and secure way to manage their cryptocurrency portfolios, providing tools for crypto-to-crypto exchanges. The platform supports a range of digital currencies, including Bitcoin, Ether, and Litecoin, ensuring that both consumers and merchants have instant access to the cryptocurrency market. By prioritizing simplicity and safety, Busha aims to make cryptocurrency transactions accessible to a wider audience.

Kalpay is a mobile payment platform that enables users to securely conduct transactions through its application. The platform allows individuals to scan codes for payments, transfer money, pay bills, and purchase phone credit using a digital wallet. It caters to a diverse range of users, including customers, merchants, businesses, and financial institutions, facilitating seamless online payments and enhancing financial operations. By providing solutions for digital payments, Kalpay supports businesses in generating additional revenue through deposits and withdrawals, while ensuring efficient management of transactions. The application stands out by offering a reliable and user-friendly experience for everyday purchases and financial transactions.

We are a DLT company based in London and have started our bank authorization process to solve the problem of denial of bank accounts to blockchain businesses. We are building a Utility Bank from scratch & engineering it to leverage DLT.

Yellow Card operates as a leading digital currency exchange platform in Africa, specializing in the buying and selling of stablecoins such as USDT, USDC, and PYUSD. It serves individuals and businesses across 20 countries, offering secure and cost-effective methods for transactions using local currencies. The platform has facilitated over $3 billion in transactions, contributing to the growth of cryptocurrency adoption on the continent. Yellow Card collaborates with local merchants and vendors to provide vouchers that can be redeemed for Bitcoin, allowing customers to transfer money and engage in e-commerce. This integration enables individuals to participate in the digital economy, simplifying access to cryptocurrency for a broader audience.

Pezesha is a digital financial marketplace based in Nairobi, Kenya, that connects small and medium-sized businesses (SMBs) to various financing options, including working capital, float financing, and LPO financing. Founded in 2016, Pezesha aims to enhance access to affordable credit for micro-businesses by leveraging credit and data analytics to link lenders with low-income borrowers. The platform facilitates a shared economy by converging lending and other financial services, thereby enabling underserved SMBs to participate in the formal financial system. Through its innovative approach, Pezesha seeks to empower businesses and improve their growth potential by providing essential financial resources.

Collect Africa is a mobile app that assists companies in obtaining payments from clients. Their application accepts payments using several online payment options. Their payments to businesses.

PayHive is a payment technology company focused on facilitating global money transfers through its secure transaction platform. The platform employs end-to-end encryption and utilizes cryptocurrency wallets to ensure safe online transactions. By prioritizing security and accessibility, PayHive enables users to transfer funds efficiently, catering to the growing demand for innovative payment solutions in an increasingly digital economy.

MyInvest is a retail trading platform that gives users exclusive access to verified high-yield real estate projects for a fractional investment.

Route is a savings management and tracking programe that aids users in investing their money and beginning to accumulate wealth.

By merging open-source blockchain technology and traditional payment infrastructures, Scalex provides a highly scalable and secure crypto-to-fiat gateway that enables web3 platforms, and crypto-service providers (B2B and retail crypto-payment solutions, wallet infrastructures, exchanges, NFT marketplaces, Play-to-earn platforms, DAOs, etc) in Africa to have access to a robust multichain liquidity framework with multiple fiat payment rails needed to scale their businesses.

GetEquity operates a financial platform aimed at democratizing access to private investments. Through its platform, the company facilitates the tokenization and trading of investment products, allowing investors to engage in tokenized equity in listed startups with minimum investments as low as ten dollars. Additionally, GetEquity provides a comprehensive suite of tools that enable users to invest in, organize, and manage their assets efficiently, thereby broadening opportunities for investing in startups from various locations.

Chumz.io is a personal finance mobile application that focuses on making investing accessible and user-friendly. The platform allows individuals to create personal or group savings goals, set reminders, and track their financial progress in real-time. Users can establish savings clubs, obtain performance data on their investments, and monitor their savings objectives. Chumz.io aims to support users in their journey toward financial freedom by providing tools that help set and achieve both short- and long-term financial goals. Through its features, the application seeks to empower users to manage their finances more effectively and reach their desired financial outcomes.

eBanqo is a customer engagement SaaS provider that helps organizations automate customer-facing services and speed up the resolution of customer issues. It helps businesses extend their services to every digital channel their customers use - webchat, in-app chat, social media, USSD, and SMS - promoting connectivity and quick issue resolution. Equipped with the latest technology in AI, businesses using eBanqo’s platform provide a consistent personalized interaction across all digital platforms, leading to repeat customers and high brand affinity. eBanqo substantially lowers cost, while providing automated customer support, self-service, issue resolution, and multi-channel live chat on diverse messaging platforms.

GetEquity operates a financial platform aimed at democratizing access to private investments. Through its platform, the company facilitates the tokenization and trading of investment products, allowing investors to engage in tokenized equity in listed startups with minimum investments as low as ten dollars. Additionally, GetEquity provides a comprehensive suite of tools that enable users to invest in, organize, and manage their assets efficiently, thereby broadening opportunities for investing in startups from various locations.

MarketForce is a technology company based in the US, Kenya, and Nigeria, focused on creating a comprehensive SuperApp for Africa's merchants. Through its B2B commerce and fintech platform, known as "RejaReja," it enables over 200,000 merchants across Sub-Saharan Africa to digitally source and order inventory, make payments, and access financing. The platform also allows merchants to generate additional income by reselling digital financial services, including airtime and bill payments. Founded in 2018 and supported by Y Combinator, MarketForce operates in five markets and employs an asset-light business model. Additionally, it offers tools for sales and distribution automation, empowering field agents to efficiently record activities and collect data in real-time using mobile devices. This integration enhances the overall efficiency and productivity of businesses in the region.

BFree is a developer of a credit management platform aimed at enhancing the credit collection process. The company emphasizes improving consumers' financial health by creating artificial intelligence-based ethical credit management tools. These tools are designed to make collection processes more scalable, efficient, and user-friendly, allowing individuals in emerging markets to manage their loan repayments independently. BFree's approach focuses on providing customers with the knowledge and skills necessary for effective personal budgeting, ultimately helping them regain control over their finances and sustainably navigate out of debt.

GetEquity operates a financial platform aimed at democratizing access to private investments. Through its platform, the company facilitates the tokenization and trading of investment products, allowing investors to engage in tokenized equity in listed startups with minimum investments as low as ten dollars. Additionally, GetEquity provides a comprehensive suite of tools that enable users to invest in, organize, and manage their assets efficiently, thereby broadening opportunities for investing in startups from various locations.

NOW Money is a financial technology company that leverages mobile banking to provide accounts and remittance services for the unbanked population in the Middle East, specifically targeting low-income migrant workers in the Gulf region. By offering a payment application, NOW Money facilitates access to essential financial services, enabling users to perform international money transfers and currency conversions at reduced costs. The company aims to include those who are typically excluded from the financial system, thereby promoting financial inclusion and offering significant savings on remittance transactions.

Sabi is a provider of digital infrastructure for the distribution of goods and services. Its platform enables and empowers underserved merchants in the world, allowing agents, merchants, aggregators, distributors, and manufacturers to expand their capabilities and grow their businesses using Sabi’s technology rails. These rails provide access to inventory, commodities, logistics, business tools, data insights, and financial services.

Despite the availability of online and mobile payment applications from Banks, Telcos and financial technology companies (Fintechs) over 90% of payments are still made by cash & cheques. This is because no application currently offers sufficiently compelling features to cause a shift away from traditional payment methods.Popote is a payments application that goes beyond fulfilling the transaction by providing compelling accounting and management features. It offers team collaboration, approval controls, income & expense accounting, VAT return, P&L and more. Popote is a replacement to cash, cheques and paper/excel based accounting. Popote Payments was established in 2013 by Sam Wanjohi, with the need to explore applications that enhance the growth and use of information technology in and for Africa. It is based in Nairobi.

Indicina Technologies Limited is a Lagos-based company that offers a digitized credit analysis platform aimed at enhancing consumer finance strategies in Africa. The platform serves a variety of financial institutions, including banks, insurers, and consumer finance companies, by providing tools for creating credit rules and models, conducting credit assessments and scoring, managing loan portfolios, and facilitating loan collections. By leveraging analytics-driven insights, Indicina helps these institutions optimize their credit decision-making processes, improve application acceptance rates, and reduce default rates, thereby contributing to the development of a robust credit infrastructure in the region.

Wirepay is a financial technology company that provides a comprehensive payment gateway designed to serve both businesses and consumers in Africa. The platform enables users to receive, hold, and make payments in multiple currencies, facilitating seamless transactions. In addition to standard payment functions, Wirepay offers the creation of virtual and physical cards, as well as bill payment services. Users can efficiently manage their finances with real-time alerts for all account activities, making it easier to track and monitor their money.

Moneymie is a digital banking and transaction platform that specializes in facilitating USD payments and international wire transfers. It provides a fintech solution designed for businesses, enabling them to make cross-border payments and payouts efficiently. Through its platform and APIs, Moneymie simplifies the payment process for companies looking to operate in multiple countries, ensuring secure and straightforward transactions. Additionally, Moneymie offers mobile app services, enhancing accessibility and convenience for its users.

CredPal is a financial platform that enables both businesses and individuals to make purchases and pay for them in installments at various online and offline merchants. Launched in 2018 by Fehintolu Olaogun and Olorunfemi Jegede, CredPal is headquartered in Lagos, Nigeria. The platform is designed to provide transparency and convenience, allowing users to set up their accounts and select payment plans that best suit their needs. By leveraging technology, CredPal minimizes risk and connects users with multiple financial institutions that offer credit. This service not only facilitates consumer access to credit for purchases but also empowers retail businesses to provide on-demand credit options to their customers.

NOW Money is a financial technology company that leverages mobile banking to provide accounts and remittance services for the unbanked population in the Middle East, specifically targeting low-income migrant workers in the Gulf region. By offering a payment application, NOW Money facilitates access to essential financial services, enabling users to perform international money transfers and currency conversions at reduced costs. The company aims to include those who are typically excluded from the financial system, thereby promoting financial inclusion and offering significant savings on remittance transactions.

Uqudo is a digital identity company with a mission to create cross-border and cross-industry digital ecosystems that empower users to control their data. The company focuses on building a sustainable and trustworthy internet by aligning its efforts with the United Nations' Sustainable Development goals, particularly in providing legal identity for all. Uqudo offers an award-winning platform that enhances digital onboarding and identity verification through advanced technologies, including biometrics, certified 3D liveness detection, NFC-based passport reading, cognitive document analysis, artificial intelligence, and blockchain. This technology enables various sectors, such as banking, telecommunications, insurance, and fintech, to achieve fast and secure onboarding while mitigating fraud risks and ensuring compliance with regulations like KYC, AML, and CDD. Headquartered in the UK, Uqudo operates internationally, with offices in the UAE, Saudi Arabia, and Thailand, and has successfully delivered projects for both startups and multinational organizations.

MoniMove is a FinTech platform focused on enhancing supply chain management through digital procurement, trade finance, and security measures. The platform is designed to ensure high levels of security and governance within the international industry by monitoring financial transactions throughout the supply chain documentation process. It facilitates the authentication of documents and oversees credit utilization cycles following fund and contract approval. By providing these services, MoniMove aims to help companies minimize risks and costs while reducing disputes, thereby fostering a safer and more secure trading environment.

Figorr is a provider of cold chain solutions that specializes in temperature-controlled products and monitoring systems. The company focuses on addressing the unique challenges faced by various markets it serves. Its enterprise software is designed for real-time monitoring and tracking of temperature-sensitive items, offering clients critical information regarding temperature, humidity, and location. Additionally, the software generates automated reports at predetermined intervals, summarizing cold storage performance and delivering both qualitative and quantitative insights on customer deliveries. This comprehensive approach enables Figorr to enhance the efficiency and effectiveness of cold chain management for its clients.

Dapi Ltd is a fintech company that specializes in developing an application programming interface (API) designed to facilitate payments between consumer bank accounts and businesses. Founded in 2019 and headquartered in Abu Dhabi, United Arab Emirates, Dapi offers a suite of open banking APIs that enable real-time connections to customer bank accounts, initiate payments, and access financial data. This functionality empowers developers to create various financial applications, such as digital wallets, budget trackers, and investment tools. Dapi's services have gained traction across multiple countries, including operations in the United States, Saudi Arabia, Egypt, Pakistan, South Africa, and Kuwait. The company has experienced significant growth, achieving $400,000 in annual recurring revenue and a monthly growth rate exceeding 50%.

Riby is a finance technology company based in Lagos, Nigeria, that offers a digital finance management platform tailored for cooperatives, trade groups, associations, and micro and small businesses. The platform facilitates the creation and management of bank or mobile money accounts, providing users with access to essential financial services. By collaborating with banks and payment processing firms, Riby assists middle to low-income earners in automating savings processes, securing collateral-free loans, and making payments through various efficient channels. This comprehensive approach enables clients to effectively manage their finances and enhance their growth potential.

Bankly is a digital financial services platform that focuses on savings and peer-to-peer transfers. It allows users to fund their wallets using tokens from Bankly vouchers, which are widely available across Nigeria. This system operates on a "Recharge to save" model, similar to mobile airtime top-ups, and is compatible with major telecom networks such as MTN and 9mobile. By leveraging established consumer behaviors from the telecommunications industry, Bankly aims to enhance financial inclusion and reduce the costs associated with financial services. The platform also offers features like transaction history, financial behavior tracking, multi-channel withdrawals, and cardless transactions, enabling users to manage their finances conveniently and securely. In doing so, Bankly seeks to address the needs of underserved populations and expand its range of financial offerings.

Tanda is a fintech startup aimed at enhancing access to essential digital financial services for micro, small, and medium enterprises (MSMEs) across Africa. The company focuses on micro-retailers, who play a vital role in local economies by supplying over 70% of essential goods, yet face significant challenges in accessing credit. Tanda enables these retailers to obtain inventory credit and become access points for services such as airtime, utility payments, mobile banking, and insurance, thereby helping to drive financial inclusion. Additionally, micro-retailers can diversify their income streams by earning commissions from transactions related to these services. By addressing the financing gap and providing essential tools, Tanda seeks to empower low-income MSMEs and support their growth within the community.

Schoolable is a fintech company focused on providing financial management solutions specifically for educational institutions. It offers an expense management platform designed to streamline school operations by facilitating easy reconciliation, student invoicing, and multiple payment channels. The platform includes features that allow schools to track partial payments, manage discounts, and oversee employee payroll, while also ensuring that vendors are paid through an approved transaction flow. Additionally, Schoolable's invoicing software, which is linked to a separate bank account for families, helps automate payment reminders for parents, making it easier for them to manage tuition payments. The company is committed to enhancing educational reform by improving financial infrastructure within schools.

BoxCommerce is an eCommerce platform tailored for small and medium-sized businesses, enabling them to create and manage their online stores effectively. The platform integrates various essential services, including site development, payment processing, shipping, and shop management, allowing businesses to streamline their operations. By combining technology for shop management with logistics and last-mile delivery solutions, BoxCommerce provides a comprehensive toolset that addresses the unique needs of businesses in emerging markets. This approach facilitates a seamless experience for users, empowering them to focus on their core activities while enhancing their online presence.

Helium Health focuses on transforming healthcare in Africa by providing a comprehensive suite of software tools for hospitals and clinics. The company develops an electronic health record platform that simplifies patient record management and hospital operations. Its services include digitizing medical records, managing appointments and prescriptions, and facilitating medical billing through a user-friendly interface accessible from any device. Additionally, Helium Health offers customizable forms, trend monitoring, alert triggers, and report generation, enabling healthcare providers to enhance their practice efficiency and improve patient care. By leveraging technology, Helium Health aims to establish the largest healthcare data exchange in Africa, contributing to a modern and affordable healthcare system.

NOW Money is a financial technology company that leverages mobile banking to provide accounts and remittance services for the unbanked population in the Middle East, specifically targeting low-income migrant workers in the Gulf region. By offering a payment application, NOW Money facilitates access to essential financial services, enabling users to perform international money transfers and currency conversions at reduced costs. The company aims to include those who are typically excluded from the financial system, thereby promoting financial inclusion and offering significant savings on remittance transactions.

Flutterwave Inc. is a payments solutions provider that enables businesses globally to process transactions seamlessly. Founded in 2014 and headquartered in San Francisco, the company offers a range of services including Flutterwave Checkout for collecting payments via web and mobile platforms, and Flutterwave API for creating and managing virtual cards, which can be customized with spending limits. Its invoicing feature allows businesses to generate professional invoices, track payments, and manage transactions efficiently. Additionally, Flutterwave provides payment links that facilitate payment collection from customers worldwide. Serving various sectors such as gaming, events, transportation, and hospitality, Flutterwave aims to simplify the payment infrastructure for merchants and payment service providers by offering a comprehensive digital financial platform.

Max is a company that offers motorcycle taxi and transport services, focusing on addressing last-mile delivery and online retail challenges in Africa. By utilizing mobile and web platforms, Max connects consumers, retail businesses, and independent drivers in real-time, effectively removing traditional logistics and technology barriers that have hindered retail growth in the region. Additionally, Max provides subscription services for electric and low-emission vehicles aimed at commercial drivers, promoting financial freedom and wealth creation through vehicle ownership. This technology-enabled platform ensures that independent drivers have access to safe, reliable, and sustainable mobility solutions.

Rensource is an innovative energy company focused on providing financial services related to renewable energy. It offers a business model that enables companies across Nigeria and West Africa to sell Power-as-a-Service (PaaS) to their customers. Rensource generates electricity through small solar-hybrid systems installed at customer locations. The company operates with an internal financing structure that supports the deployment of these systems and manages monthly collections from customers. By facilitating access to decentralized solar energy, Rensource aims to enhance the productivity of small and medium-sized enterprises (SMEs) in the region while promoting the use of clean energy sources. Its overarching mission is to position Nigeria as a leader in distributed renewable power generation.

Mines.io, Inc. is a financial analytics company that operates a platform focused on mobile data. Its flagship product, Mteka, is an in-memory analytics solution capable of processing vast amounts of mobile carrier data rapidly, allowing for the creation and deployment of predictive models in real time. The company's services are designed to assist mobile operators in monetizing their data while enabling financial institutions to expand their customer reach. Among its offerings are a credit scoring service that evaluates consumer credit risk based on mobile behavior, a fraud detection system that identifies suspicious activities in real time, and behavior modeling tools that enhance customer identity verification. Additionally, the company employs risk analysis and machine learning techniques to help insurance providers tailor premiums based on consumer risk profiles. Founded in 2013 and based in San Francisco, Mines.io aims to leverage mobile data to improve financial services and consumer access to credit.

Migo is an embedded lending software that specializes in microfinance, credit, and loan services.

Rensource is an innovative energy company focused on providing financial services related to renewable energy. It offers a business model that enables companies across Nigeria and West Africa to sell Power-as-a-Service (PaaS) to their customers. Rensource generates electricity through small solar-hybrid systems installed at customer locations. The company operates with an internal financing structure that supports the deployment of these systems and manages monthly collections from customers. By facilitating access to decentralized solar energy, Rensource aims to enhance the productivity of small and medium-sized enterprises (SMEs) in the region while promoting the use of clean energy sources. Its overarching mission is to position Nigeria as a leader in distributed renewable power generation.

Commerce in Africa is deeply facilitated by cash, but cash-based transactions are expensive, unsafe, and difficult to track. Suregifts identified an opportunity to take advantage of the growth and adoption of the internet and all things digital in Africa by creating a simple, yet safe alternative currency to be utilised for specific purposes; Vouchers. At the core of what SureGifts does, is selling and maintaining an inventory of vouchers, which can be exchanged between two or more parties, and spent at a closed but extensive network of merchants across Africa for a near-unlimited assortment of goods and services.