
$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.
We’re not building another bank. We’re building the digital backbone of African commerce.
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
Recognized & Backed





250,000+ Merchant Relationships
Impact we've brought to Africa
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
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
Investors & Partners











