Bridge the financial divide for the roughly four in ten adults in Sub-Saharan Africa without a financial account (World Bank Findex, 2025) through mobile-first digital wallets, micro-savings, agent networks, and inclusive credit systems.
Financial inclusion is the foundational mission of AfriVest, ensuring that every African, regardless of geography, income level, or formal documentation status, can participate in the digital economy. Our financial inclusion infrastructure combines mobile-first digital wallets with tiered KYC (allowing entry with minimal documentation), agent banking networks that extend services to the last mile, micro-savings and group lending protocols built on cooperative principles, and credit scoring models that use alternative data (mobile usage, agricultural output, community reputation) rather than traditional banking history. We partner with central banks, cooperatives, and community organizations to deploy infrastructure that meets people where they are, on feature phones, in rural markets, and through trusted community intermediaries. Our approach recognizes that financial inclusion is not merely about opening accounts, but about creating meaningful economic participation through savings, credit, insurance, investment, and governance access. The World Bank estimates that closing Africa's financial inclusion gap would add $230 billion to GDP annually, AfriVest is building the rails to make this possible.
Designed to align with
Built for institutions to trust.
Each capability is designed to institutional standards, for the regulators, central banks, and cooperatives that will rely on it.
Tiered Digital Identity & KYC
Progressive identity verification starting from basic mobile number registration through to full biometric KYC, allowing immediate account access with graduated service levels. Users begin transacting within 60 seconds using only a phone number, then unlock higher limits as they add documentation over time.
Mobile-First Digital Wallets
Lightweight digital wallets designed for feature phones (USSD) and smartphones alike, supporting savings, payments, transfers, and micro-investments. Works offline with transaction queuing, supports 40+ local languages, and integrates with existing mobile money rails (M-Pesa, EcoCash, MTN MoMo).
Agent Banking Network
Community-based agent network enabling cash-in/cash-out, account registration, and financial literacy delivery in rural and peri-urban areas. Agents earn commission on transactions, creating sustainable local employment while extending financial services to the last mile, targeting 500,000+ agents across 54 nations.
Micro-Savings & Group Lending
Digital stokvels, chamas, and village savings groups with automated round-robin payouts, transparent governance, and yield generation through tokenized money market instruments. Groups of 10-50 members pool savings and access credit at rates 60-80% below informal moneylenders.
Alternative Credit Scoring
AI-powered credit assessment using non-traditional data, mobile usage patterns, agricultural output records, utility payments, community reputation scores, and cooperative membership history. Enables credit access for the 90% of Africans without formal credit histories.
Micro-Insurance & Protection
Parametric insurance products triggered automatically by weather data, crop yields, or health events, with premiums as low as $0.50/month. Smart contract-based claims processing eliminates paperwork and delivers payouts within 24 hours directly to digital wallets.
A clear path, verified at every step.
From first engagement to full operation, every phase is designed for reliability, compliance, and integration with the institutions already in place.
Tiered Onboarding & Digital Wallet Creation
Users open a digital wallet with minimal documentation through tiered KYC, starting with just a phone number for basic services, with progressive verification unlocking higher transaction limits and advanced features.
Agent Network & Last-Mile Access
A network of trained community agents provides in-person support for cash-in/cash-out, account setup, and financial guidance, extending digital financial services to rural and underserved areas without requiring bank branches.
Micro-Savings, Credit & Insurance
Group savings protocols, alternative credit scoring using mobile and agricultural data, and parametric micro-insurance products enable meaningful financial participation, with premiums as low as $0.50 per month.
Ecosystem Integration & Economic Participation
As users build financial history, they gain access to the full AfriVest ecosystem, cooperative membership, tokenized investment opportunities, cross-border payments, and governance participation.
Built for the institutions that steward value.
From sovereign authorities to cooperatives, ownership is preserved with the communities and institutions that already hold it.
Complete financial inclusion stack for cooperative members, digital wallets, savings groups, micro-credit, and agricultural input financing. Members save an average of $12/month and access credit at 3% monthly vs. 30%+ from informal lenders.
Digitizing 810,000+ stokvels (informal savings groups) managing R50 billion annually, bringing transparency, yield generation, and formal financial system integration while preserving community governance structures.
Cross-border savings and lending network connecting 5 million+ women across 15 nations, with shared dividend pools, peer mentoring, and graduated access to micro-enterprise financing and asset tokenization.
Explore connected infrastructure layers.
AfriVest's solutions are designed as an integrated stack where each layer strengthens the others. Explore how these connected layers work together.
