To Digitize, Formalize

& Multiply African Trade.

To Digitize, Formalize

& Multiply African Trade.

Building digital and financial rails to power Africa's $2.5T trade ecosystem

through secure, data-driven technology.

Building digital and financial rails to power Africa's $2.5T trade ecosystem through secure, data-driven technology.

We'renotchasingAfrica'strade.We'rebuildingwhatitstandson.

We'renotchasingAfrica'strade.We'rebuildingwhatitstandson.

Markets

Onboarded Merchants

Africa's Trade Economy

Markets

Onboarded Merchants

Africa's Trade Economy

Kenya

Live

Kyosks

Unbanked & Informal.

Kenya

Live

Kyosks

Unbanked & Informal.

Nigeria

Present

Retail Shops

Slow, Costly Trade.

Nigeria

Present

Retail Shops

Slow, Costly Trade.

Uganda

Present

Distributors

Forex Exposure.

Uganda

Present

Distributors

Forex Exposure.

$100B+

Remittances

Remittances into Africa
High friction and costly movement of money

$1.3T

Global African Trade

Trade with the rest of the world
High FX costs and trapped liquidity

$230B+

Intra-African Trade

Trade within Africa
Limited accessibility and fragmented settlement

One Network, Three Rails.

One Connected Ecosystem.
Endless Possibilities.

One Connected Ecosystem.
Endless Possibilities.

We’re not building another bank. We’re building the digital backbone of African commerce.

Y9K Bank

Y9K Vault

Y9K Marketplace

Y9K Bank

Y9K Vault

Y9K Marketplace

Launching

Banking that's coming
to the shop counter.

Y9K Bank converts everyday trade into bankable identity and growing credit capacity bringing formal finance to the shop counter at scale.

  • Paperless account you'll open in minutes, no branch required

  • Credit that will be scored from your real trade, not collateral

  • One wallet to accept payments and pay bills

  • Insurance and savings, built in from day one

Instant Credit

Paperless

Embedded Finance

Y9K NETWORK

Marketplace: Kiosk reorders stock in the app

Bank: Instant credit decisioning to cover the order

Treasury: Supplier settled abroad, FX handled

Marketplace: Goods delivered, sale recorded

Bank: Repayment clears — credit limit grows

Running 24/7. Turning everyday trade into access to capital.

Launching

Cross-border payments,
on their way.

Y9K Vault compresses the time, cost and risk of cross-border settlement turning African trade from a multi-day, multi-bank process into a same-day, single-rail transaction.

  • A Digital Asset Treasury built for cross-border settlement

  • Designed to reduce reliance on traditional correspondent banking and settlement

  • Low, transparent fees on every transfer

  • Real-time exchange rates, no hidden spreads

Instant Settlement

Low Fees

Cross-Border

Y9K Wallet Balance: $1940.22

Sending from

Kenya

KES

equivalent in

USD stablecoin

Settling…

Sending to

Nigeria

NGN

equivalent in

USD stablecoin

Send Funds

Live

Restock your shelves.
Pay when it sells.

Y9K Marketplace turns the corner shop into a connected node in a digital trade network improving availability, margins and data for the entire value chain.

  • Order stock from verified suppliers in one app

  • Wholesale prices, no middleman markup

  • Buy now on credit, repay from sales

  • Delivered to your door, no market runs

Wholesale Prices

Buy on Credit

Delivered

Merchant onboarded

verified

Transactions scored by AI

6 mo. read

Creditworthiness confirmed

no collateral

Releasing funds to wallet

Running

Repayment builds history

Up next

Merchant onboarded

verified

Transactions scored by AI

6 mo. read

Creditworthiness confirmed

no collateral

Releasing funds to wallet

Running

Repayment builds history

Up next

Recognized & Backed

Trusted by the world's leading names,
in trade and finance.

Trusted by the world's leading names, in trade and finance.

Trusted by the world's leading names, in trade and finance.

250,000+ Merchant Relationships

Independently recognized as one of

Africa's fastest-growing companies.

Independently recognized as one of Africa's fastest-growing companies.

#2, Financial Times Africa's Fastest Growing Companies 2024

#2, Financial Times Africa's Fastest Growing Companies 2024

Impact we've brought to Africa

Turning Trade Into Opportunity

Turning Trade Into Opportunity

Across Bank, Marketplace and Vault, Y9K turns everyday trade into financial identity, connected commerce and faster cross-border settlement.

Credit that grows with every repayment.

Growing Credit Capacity

Everyday trade builds a bankable financial identity.

Connected Last-Mile Trade

Kiosks reorder digitally while suppliers gain real-time visibility into demand, stock and sales.

 
 

Sending from

Uganda

UGX

equivalent in USD stablecoin

Settling…

Transfer Initiated to

Kenya

KES

equivalent in USD stablecoin

Send Funds

Same-Day Settlement

Reducing FX friction and freeing working capital

across African trade.

Tech that makes us Reliable

AI & Data,
at the Core.

AI & Data,
at the Core.

Technology drives efficiency. Data drives inclusion.

Technology drives efficiency. Data drives inclusion.

Credit Scoring & Risk Assessment

Personalized Engagement & Retention

Smart Pricing & Discounting

Automated Replenishment

Optimization & Order Augmentation

Virtual Financial Assistant (Chatbot)

Automated Processing & Verification

Fraud Detection & Prevention

Y9K

Credit Scoring & Risk Assessment

Fraud Detection & Prevention

Personalized Engagement & Retention

Automated Processing & Verification

Smart Pricing & Discounting

Virtual Financial Assistant (Chatbot)

Automated Replenishment

Optimization & Augmentation

Y9K

Credit Scoring & Risk Assessment

Fraud Detection & Prevention

Personalized Engagement & Retention

Automated Processing & Verification

Smart Pricing & Discounting

Virtual Financial Assistant (Chatbot)

Automated Replenishment

Optimization & Augmentation

Investors & Partners

We’d Love to
Hear From You.

We’d Love to
Hear From You.

Contact us for inquiries, support, or feedback.

We're here to assist you every step of the way.

Contact us for inquiries, support, or feedback.

We're here to assist you every step of the way.

Send us your query.

Send us your query.

Questions Partners Ask.

Questions Partners Ask.

What exactly is Y9K — a bank, a fintech, or a marketplace?

Y9K is trade infrastructure. We're not another bank competing for accounts; we're the digital and financial rails underneath African commerce. Three connected pillars — Y9K Bank (Digital Bank), Y9K Vault (Digital Asset Treasury), and Y9K Marketplace. — work as one network, so a single merchant can stock inventory, access credit, and settle across borders in one place.

How does Y9K reach merchants new to the financial system?

If most of these merchants have no credit history, how do you lend safely?

What traction does Y9K have today?

How do investors and partners work with Y9K?

What exactly is Y9K — a bank, a fintech, or a marketplace?

Y9K is trade infrastructure. We're not another bank competing for accounts; we're the digital and financial rails underneath African commerce. Three connected pillars — Y9K Bank (Digital Bank), Y9K Vault (Digital Asset Treasury), and Y9K Marketplace. — work as one network, so a single merchant can stock inventory, access credit, and settle across borders in one place.

How does Y9K reach merchants new to the financial system?

If most of these merchants have no credit history, how do you lend safely?

What traction does Y9K have today?

How do investors and partners work with Y9K?

CreatingMeaningfulDigital&FinancialInclusionatScale