GreenHouse Capital

Zone is a regulated blockchain network that facilitates the acceptance and payment of digital currencies. As a blockchain services company, it provides a secure and efficient infrastructure for transactions, promoting the use of digital assets in various applications. By leveraging blockchain technology, Zone aims to enhance financial transactions through increased transparency and reduced costs, catering to businesses and consumers looking to integrate digital currencies into their operations.

Zemo is a developer of a corporate expense management platform that aims to streamline the expense reporting process and reduce unnecessary spending within businesses. The company's technology empowers firms to effectively manage cash flow by implementing controls on issued cards, ensuring that expenditures are monitored and restricted. This platform enhances visibility for administrators and accountants, allowing them to track spending across all employees. By eliminating tedious expense reports, Zemo helps organizations optimize their financial management and improve overall efficiency.

Keble is a fintech platform that enables young Africans in the diaspora to access affordable real estate investments, aiming to democratize real estate investing by offering a range of options including fractional ownership and full ownership designed to suit different income levels and financial goals, with a focus on providing secure, stable ways to build wealth through real estate and helping users diversify their portfolios without the burdens typically associated with property ownership.

Mano is an AI-driven marketplace specializing in on-demand delivery services. It connects users with various vendors such as Quickmart, restaurants, flowers, gifts, electronics, and appliances, ensuring swift delivery within minutes. Leveraging advanced AI, Mano optimizes logistics, enhances customer experience, and facilitates bulk ordering for businesses.

CredPal is a financial technology company based in Lagos, Nigeria, founded in 2018 by Fehintolu Olaogun and Olorunfemi Jegede. The company offers a platform that enables both businesses and individuals to purchase goods and services and pay for them in installments at various online and offline merchants. CredPal's solution enhances transparency by allowing users to set up accounts and select payment plans that minimize risk. The platform connects customers with multiple financial institutions, providing convenient access to credit at the point of checkout. This service not only facilitates consumer purchases but also empowers retail businesses to offer on-demand credit to their customers, thereby enhancing the overall shopping experience.

Encore Pay is a UAE-based fintech and payment solutions provider that specializes in developing a comprehensive payment platform. This platform facilitates digital payments across various customer touchpoints, offering a wide range of services including payment infrastructure, neo banking, mobile money, agency banking, merchant payments, and kiosk payments. By focusing on efficiency and user experience, Encore Pay enables businesses to launch and manage their payment services with minimal turnaround time, ensuring smooth operations in an increasingly digital economy.

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

Founded in 2018, MarketForce is a technology company based in the US, Kenya, and Nigeria. It operates an asset-light business model, providing a comprehensive B2B commerce and fintech platform, 'RejaReja', empowering African merchants to digitize their inventory sourcing, ordering, payments, and access financing. The platform also enables merchants to resell digital financial services like airtime and bill payments. MarketForce is operational in five Sub-Saharan African markets, serving over 200,000 merchants and 50 consumer brands.

LipaLater operates a lending marketplace that facilitates postpaid payments for consumers shopping at e-commerce stores. It offers a risk-free, point-of-sale credit option, enabling customers to purchase goods online and pay in affordable monthly installments.

Apaya is a technology company that specializes in providing a unified application programming interface (API) designed to facilitate localized payment solutions for merchants. The company's platform enables businesses to manage and offer a variety of payment methods, including e-wallets, cash payment schemes, bank transfers, and carrier billing. By connecting merchants with over 150 local payment providers across Europe, the Middle East, and Africa, Apaya empowers them to enhance customer satisfaction by accommodating diverse payment preferences. This approach not only simplifies the payment process but also supports merchants in efficiently expanding their operations into new geographies.

Kuunda is a B2B advisory platform that specializes in providing financial services tailored for developing economies. The company offers a range of solutions including liquidity management tools, data insight tools, and consulting services. Its platform empowers users, such as underserved agents, merchants, and consumers, to access the liquidity they need to meet their financial requirements. By facilitating connections between users and bank partners, Kuunda enhances network productivity and encourages the distribution of products, ultimately promoting economic resilience and growth. The company aims to help individuals and businesses maintain their standard of living while driving measurable results through its innovative digital offerings.

Busha is a crypto platform that enables users to buy, sell, swap, and manage cryptocurrencies, offering a crypto-to-crypto exchange tool and support for major assets to provide consumers and merchants with instant access to digital currencies in one place.

Kalpay operates a mobile payment platform that enables users to scan, transfer money, pay bills, and purchase phone credit via a secure electronic wallet. It offers financial institutions, merchants, and businesses digital payment solutions for sending and receiving payments online.

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 a cryptocurrency platform that enables individuals and businesses to buy, sell, and manage digital assets using local currencies and mobile money across Africa. The platform functions as a crypto exchange and payments solution, offering over-the-counter trading, merchant services, currency exchange, and crypto gift cards. It provides an on/off ramp for stablecoins such as USDT, USDC, and PYUSD through a payments API, supporting secure, cost-effective transfers and borderless transactions. The company serves customers in numerous African countries and has facilitated billions of dollars in transactions, reflecting its role in promoting financial inclusion and access to digital finance. Founded in 2016 and active in the market, Yellow Card aims to simplify crypto access for individuals and businesses through a scalable, local-currency-first approach.

Pezesha is a digital financial marketplace based in Nairobi, Kenya, founded in 2016. The company focuses on connecting small and medium-sized businesses (SMBs) to various financial resources, including working capital, float financing, and LPO financing. By leveraging credit and data analytics, Pezesha facilitates affordable credit options for underserved micro-businesses, enabling them to access the formal financial system. The platform serves as a bridge between lenders and low-income borrowers, promoting a shared economy and broadening financial access for SMBs. Through its innovative approach, Pezesha aims to be a leading player in Africa's digital financial landscape, enhancing the growth potential of small businesses across the region.

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.

Dojah is a global platform specializing in fraud prevention and know your customer (KYC) services, assisting businesses of all sizes in identity verification, fraud mitigation, and regulatory compliance. With operations in over 150 countries, Dojah provides a comprehensive API platform that allows developers and businesses to integrate multiple services seamlessly. This includes functionalities for financial services, KYC compliance, and anti-money laundering measures, enabling banks and financial institutions to manage their accounts efficiently through a unified dashboard. By prioritizing safe customer onboarding and fraud protection, Dojah enhances operational security for its clients worldwide.

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.

GetEquity operates a financial platform aimed at democratizing access to private investments. Its platform facilitates trading of tokenized assets, automates private raises, and offers tools for managing employee stock options.

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.

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

PayHive is a technology company that facilitates secure international money transfers using cryptocurrency wallets and an encrypted transaction platform.

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

eBanqo is a SaaS provider specializing in customer engagement. It enables businesses to automate customer support across various digital channels such as webchat, in-app chat, social media, USSD, and SMS. Utilizing AI technology, eBanqo facilitates consistent personalized interactions, enhancing repeat customers and brand affinity while reducing operational costs.

GetEquity operates a financial platform aimed at democratizing access to private investments. Its platform facilitates trading of tokenized assets, automates private raises, and offers tools for managing employee stock options.

Founded in 2018, MarketForce is a technology company based in the US, Kenya, and Nigeria. It operates an asset-light business model, providing a comprehensive B2B commerce and fintech platform, 'RejaReja', empowering African merchants to digitize their inventory sourcing, ordering, payments, and access financing. The platform also enables merchants to resell digital financial services like airtime and bill payments. MarketForce is operational in five Sub-Saharan African markets, serving over 200,000 merchants and 50 consumer brands.

BFree is a company that specializes in credit management, aiming to enhance the credit collection process through innovative technology. It develops a platform that utilizes artificial intelligence to create ethical credit management tools, prioritizing the financial health of consumers. BFree's approach is centered on helping customers regain control over their finances by facilitating self-administered loan repayments. The company focuses on making the collection process more scalable, efficient, and user-friendly, particularly for individuals in emerging markets. By equipping users with essential financial knowledge and personal budgeting skills, BFree strives to lead customers out of debt sustainably.

GetEquity operates a financial platform aimed at democratizing access to private investments. Its platform facilitates trading of tokenized assets, automates private raises, and offers tools for managing employee stock options.

NOW Money is a fintech company that leverages mobile banking technology to offer financial services to the unbanked population in the Middle East. By providing accounts and remittance solutions, NOW Money aims to include individuals who are currently excluded from the financial system. The company focuses on low-income migrant workers in the Gulf region, offering them access to essential financial tools, including international money transfers and currency conversion services, at a reduced cost. This approach not only facilitates financial inclusion but also helps users save significantly on remittance expenses.

Sabi is a B2B network designed to enhance commerce within the informal trade sector. It aims to accelerate the flow of transactions by facilitating connections among stakeholders. The company offers a comprehensive e-commerce logistics infrastructure that serves both micro and small enterprises. Sabi's platform includes features such as digital ledgers for cash management, interfaces for wholesale business-to-business transactions, group buying options, and logistical support. These services are tailored to help merchants access essential tools, reach new customers, improve cash flow, and streamline their logistics processes. Through its innovative approach, Sabi enables businesses to thrive in a competitive marketplace.

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.

Moneymie is a digital banking service provider offering USD payments, international wire transfers, and mobile app-based transactions. Its fintech platform facilitates cross-border business payments securely via APIs.

Wirepay is a financial technology company that provides a comprehensive payment gateway aimed at facilitating transactions for businesses and consumers in Africa. The company's platform enables users to receive, hold, and make payments in various currencies, offering flexibility in financial operations. Additionally, Wirepay allows customers to create both virtual and physical cards, as well as pay bills efficiently. The platform is designed to help users monitor their finances with real-time alerts on account activities, ensuring they stay informed about their transactions. Through these features, Wirepay positions itself as a vital financial operating system in the African market.

E-Settlement is a financial technology company that specializes in providing secure and affordable online payment solutions. The firm has developed a payment service application that enhances business performance by facilitating money transfers between individuals and merchants. Through its web application, users can make transactions using personal email addresses, allowing businesses to receive payments conveniently via smartphones. E-Settlement focuses on delivering innovative tools that simplify the payment process while ensuring security for its users.

CredPal is a financial technology company based in Lagos, Nigeria, founded in 2018 by Fehintolu Olaogun and Olorunfemi Jegede. The company offers a platform that enables both businesses and individuals to purchase goods and services and pay for them in installments at various online and offline merchants. CredPal's solution enhances transparency by allowing users to set up accounts and select payment plans that minimize risk. The platform connects customers with multiple financial institutions, providing convenient access to credit at the point of checkout. This service not only facilitates consumer purchases but also empowers retail businesses to offer on-demand credit to their customers, thereby enhancing the overall shopping experience.

NOW Money is a fintech company that leverages mobile banking technology to offer financial services to the unbanked population in the Middle East. By providing accounts and remittance solutions, NOW Money aims to include individuals who are currently excluded from the financial system. The company focuses on low-income migrant workers in the Gulf region, offering them access to essential financial tools, including international money transfers and currency conversion services, at a reduced cost. This approach not only facilitates financial inclusion but also helps users save significantly on remittance expenses.

uqudo is a digital identity company that builds an identity layer to enable trusted, cross-border onboarding across sectors. It uses biometric verification, certified 3D liveness, NFC-based passport reading, cognitive document analysis, AI and blockchain to deliver fast, secure onboarding while helping organisations comply with KYC, AML and CDD and reduce fraud. Headquartered in the United Kingdom with offices in the United Arab Emirates, Saudi Arabia and Thailand, it serves banks, telcos, insurers, fintechs and startups, supporting cross-border and cross-industry digital ecosystems where users control their data. The company pursues inclusive, sustainable digital identity aligned with global standards and aims to enable trustworthy data sharing and broader digital transformation for businesses and people.

MoniMove is a FinTech platform focused on enhancing supply chain management through digital procurement and trade finance solutions. The company aims to implement high security and strong governance within the international supply chain industry. Its platform is designed to monitor financial transactions throughout the entire supply chain documentation process, ensuring the authentication and management of credit utilization cycles following fund and contract approvals. By offering these services, MoniMove helps companies minimize risks, reduce costs, and mitigate disputes, thereby fostering a safe and secure trading environment.

Figorr specializes in cold chain solutions, offering temperature-controlled products, monitoring systems, and related services. It caters to unique market challenges by providing real-time tracking of temperature-sensitive items, including humidity and location data, along with automated performance reports.

Dapi Ltd is a fintech company that specializes in developing an open banking application programming interface (API) designed to facilitate seamless payment transactions between consumer bank accounts and businesses. Established in 2019 and based in Abu Dhabi, United Arab Emirates, Dapi provides a suite of APIs that enable real-time access to customer bank accounts, payment initiation, and financial data retrieval. This functionality allows developers to create a variety of financial applications, including digital wallets and budget trackers, while also enabling fintech companies to offer services based on bank statement data. Operating in seven countries, including the United States, Saudi Arabia, Egypt, Pakistan, South Africa, and Kuwait, Dapi has experienced significant demand for its services, achieving notable growth in annual recurring revenue.

Spring in Africa is a fnacial service offering firm that provides banking alternatives to make transection efficient.

Riby is a fintech company based in Lagos, Nigeria. It offers a digital platform that enables cooperatives, associations, micro businesses, and individuals to create, manage bank or mobile money accounts, and access financial services.

Bankly is a digital financial services company that offers a savings and peer-to-peer transfer platform aimed at enhancing financial inclusion in Nigeria. Users can fund their wallets through a network of vouchers, which operate under a "Recharge to save" model, similar to mobile airtime top-ups. This system allows customers to engage with digital finance seamlessly, utilizing existing consumer behaviors developed in the telecommunications sector. Bankly's platform includes features such as transaction history, financial behavior tracking, multi-channel and cardless withdrawals, as well as direct-to-account transactions. By simplifying and securing digital payments, Bankly empowers users to save, withdraw, and make payments through virtual interfaces, thus addressing the challenges of accessing financial services and paving the way for broader financial solutions.

Tanda is a fintech startup focused on enhancing access to essential digital financial services for micro, small, and medium enterprises (MSMEs) across Africa. The company provides micro-retailers with inventory credit and enables them to serve as access points for various essential services, including airtime, utility payments, mobile banking, and insurance. With micro-retailers supplying over 70% of essential goods in Africa, Tanda aims to address the significant financing gap faced by these businesses, as over 90% lack credit history or access to traditional financing. By offering a virtual wallet and money transfer API, Tanda allows micro-retailers to diversify their income through commissions earned from services such as bill payments and airtime purchases, thereby promoting financial inclusion for low-income MSMEs across the continent.

Schoolable is a fintech company specializing in school finance management. It offers invoicing software with separate bank accounts for families, automatic payment reminders, and tools to understand money received. The company aims to reform communities through education.

BoxCommerce is an eCommerce platform tailored for small and medium-sized businesses, providing a comprehensive solution for creating and managing online stores. The platform integrates site development, payment processing, shipping, and shop management, allowing businesses to efficiently handle their operations. By combining technology for shop management with logistics and last-mile delivery partners, BoxCommerce simplifies the complexities of running an online business, particularly in emerging markets. This enables entrepreneurs to focus on growth while ensuring that their eCommerce needs are effectively addressed.

Helium Health specializes in digitizing healthcare systems in Africa. It offers software tools for hospitals and clinics to manage patient health records, operations, and telemedicine. The company aims to create the largest healthcare data exchange in Africa.

NOW Money is a fintech company that leverages mobile banking technology to offer financial services to the unbanked population in the Middle East. By providing accounts and remittance solutions, NOW Money aims to include individuals who are currently excluded from the financial system. The company focuses on low-income migrant workers in the Gulf region, offering them access to essential financial tools, including international money transfers and currency conversion services, at a reduced cost. This approach not only facilitates financial inclusion but also helps users save significantly on remittance expenses.

Flutterwave is a global payments technology company that enables businesses worldwide to accept payments from customers globally via web and mobile. It offers services such as Flutterwave Checkout, API for virtual card management, invoicing, payment links, and more, serving industries like gaming, events, transportation, hospitality, and individuals.

MAX is a company that specializes in providing motorcycle taxi and transport services, focusing on the 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 logistical and technological barriers that have hindered retail growth on the continent. Additionally, MAX offers electric and low-emission vehicle subscription services tailored for commercial drivers, promoting financial freedom and wealth creation through vehicle ownership. The company aims to ensure that independent drivers have access to safe, reliable, and sustainable mobility solutions, thereby enhancing the overall transport landscape in Africa.

Founded in 2015, Rensource offers subscription-based solar power services primarily for consumers and small businesses in Nigeria. The company generates electricity using small solar-hybrid systems installed on-site, providing flexible plans such as Go, Eco, Duplo, and Pro based on customers' energy needs.

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.

Founded in 2015, Rensource offers subscription-based solar power services primarily for consumers and small businesses in Nigeria. The company generates electricity using small solar-hybrid systems installed on-site, providing flexible plans such as Go, Eco, Duplo, and Pro based on customers' energy needs.

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.