The Digital
Wallet Infrastructure,
for Africa. Africa.svg

We empower African businesses with a fast, seamless, all-encompassing digital wallet service to accelerate growth and bring financial aspirations to life. Our platform simplifies complex tasks, nurturing digital ecosystems across Africa for businesses to thrive.

Our trusted partners

SBM Bank

Built for Africa

Our Platform, along with Third Party Services, streamlines fintech processes with customized features for wallet enhancement. No-code tools simplify operations, enabling focus on business growth in the dynamic fintech landscape.

25 +
Countries Supported
$ 2M +
Deposits Allocated
5M +
Mobile Wallets
250K +
Loans Originated

Aggregated Payments

Paylink integrates multiple payment channels like M-PESA, offering wallet management features for seamless transactions across various payment methods in Africa.

Credit Scoring

Introducing ScoreSwift, a no-code credit scoring tool for assessing individuals' creditworthiness in Africa. It utilizes advanced algorithms and local data insights to enable businesses to offer financial products securely through digital wallets. Enhance lending efficiency, mitigate risk, and reach new customer segments with ScoreSwift.

ID Verification

VerifyOne is a no-code ID Verification tool with a single API for seamless user onboarding, authentication, and verification in over 25 African countries. It ensures compliance, offers a smooth user experience, streamlines operations, builds trust, and drives growth in various markets.

Smart Messaging

Launch fintech services in Africa effortlessly using OmniReach, a versatile channel for the diverse African market. Reach customers through USSD, app, or WhatsApp without coding. OmniReach promotes accessibility, opportunity, and inclusivity.

Contactless Payments

Revolutionize customer payments with Tap2Pay, integrating NFC/RFID/QR-enabled smart cards or wristbands for fast, secure, contactless transactions in Africa, providing a seamless experience for customers.

Lending Infrastructure

Explore Lendflow - a comprehensive lending ecosystem providing businesses with a suite of no-code tools for managing lending to integrated wallets. Simplify loan processes from origination to repayment with advanced analytics for efficient credit offerings and risk control. Revolutionize lending strategies, optimize processes, and uncover new revenue streams with LendFlow.

Go from idea to implementation in minutes

Our documentation, sample data and code snippets provide developers with powerful tools to launch your next innovation.


Ready-to-Use Interfaces

USSD Channel

Install a digital virtual wallet with Terra for seamless USSD integration. Each account includes a customizable USSD channel for easy account management, balance checks, and loan requests. Enhance accessibility in regions where USSD is prevalent, improving user experience and customer engagement.

Web & Mobile App

Our platform's web and app channels are designed for a seamless and user-friendly experience on any device. Consistent performance, top-notch security, and a pleasing interface are guaranteed whether accessed on a desktop or through the mobile app.


Explore conversational finance with Terra's Chatbank Channel on WhatsApp, enabling seamless financial management. Users can check balances, request transactions, and apply for loans through chat prompts. ChatBank provides real-time financial solutions, revolutionizing accessibility and convenience for millions.

One Platform - For Africa's Digital Ecosystems


Build & Iterate Quickly

Make product or process changes anytime without involving IT.


Deploy & Operate Securely

Set up bespoke security protocols to manage risk your way.


Scale With Ease, Across Africa

Serve unlimited customers in any market by running in the cloud.

We are present in 8 countries

Time is money, save both.

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4th Floor, Mayfair Business Centre, Westlands Area, Nairobi, Kenya
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