15家非洲初創公司已被選中加入首屆谷歌創業加速器：女性創始人非洲項目。
這是2017年成立的Google for Startups Accelerator Africa項目的擴展，但重點是女性，以賦能和支持女性創始人。

15家非洲初創公司已被選中參加首屆谷歌初創加速器：非洲女性創始人項目。

這是2017年建立的谷歌初創企業加速器非洲項目的擴展，但重點是女性，旨在通過提供資源和機會來賦能和支持女性創始人，幫助她們實現規模化。

從2023年3月開始，12周的項目將啓動，每個月將舉辦一次訓練營。被選中的參與者將獲得訪問Google產品、資源、工具和技術的權限。他們還將接受行業專家的指導，獲得網路機會，並與投資者建立聯繫，以幫助支持他們初創企業的增長。

![](https://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb)谷歌還宣布了Hustle Academy，這是一個訓練營式的培訓項目，旨在幫助企業家增加收入，爲投資做好準備，並爲未來建立可持續的業務。

該公司計劃在2023年3月在肯尼亞、尼日利亞和南非舉辦六個以女性爲中心的Hustle Academy項目小組。

這些國家的女性企業家被邀請申請加入這裏的這些小組。

成功入選這一首屆創業團隊的初創公司來自於：

* 肯尼亞 (5)
* 尼日利亞 (3)
* 盧旺達 (2)
* 剛果 (1)
* 南非 (1)
* 坦桑尼亞 (1)
* 喀麥隆 (1)
* 加納 (1)

 

以下是15個選定的初創企業：

 

### 1.) eWaka (肯尼亞)

eWAKA是一個來自肯尼亞的通勤和商業微型出行車隊的平台。

根據其網站，eWaka結合了硬件、軟件和服務，以應對該大陸日益增長的城市交通需求，同時應對這一關鍵領域的主要氣候挑戰。

該初創公司採用集成平台解決方案的方法，據稱可以消除電動出行業務中通常出現的許多運營挑戰。

 

### 2.) 農民生命線 (肯尼亞)

Farmer Lifeline 是一家肯尼亞初創公司，開發了作物病蟲害檢測設備 (CDD)。

CDD能夠早期檢測作物害蟲和疾病，並**向農民發送短信。** 該設備連接到在線API數據庫，以便能夠發送針對檢測到的害蟲或作物疾病的施肥或化學產品的推薦。

 

### 3.) MosMos (Kenya)

來自肯尼亞的MosMos是一家初創公司，允許用戶以分期付款的方式進行購買。MosMos與多家賣家合作，爲用戶提供最佳交易。

該初創公司還運營一個數字商務網站。

 

### 4.) GoBeba (Kenya)



GoBEBA 是一家按需零售商，提供基本家庭用品。該服務在一小時內將日常即時需求（如烹飪氣體、水、飲料和其他雜貨）送到客戶家門口。


GoBeba 在熱門地區運營着一網路的暗倉 (微型履約中心)，以確保訂單能快速送達您手中。


 





### 5.) Zydii (肯尼亞)


Zydii爲像萬事達卡基金會、優步這樣的公司提供虛擬培訓和數字學習解決方案，以幫助培養一支技術熟練、能力強、經驗豐富的團隊。


提供的服務包括：


* 本地化非洲課程
* 培訓課程轉換
* 在線和離線學習平台


### 


### 6.019283746574839201 Alajo App )Nigeria(


Alajo是一個尼日利亞儲蓄應用，旨在讓尼日利亞的無銀行帳戶和低銀行帳戶人羣體驗金融機會和便利。


* Alajo利用移動技術和代理銀行業務來改善現金流，消除錯誤，並爲用戶增加利潤
* 利用USSD基礎設施簡化儲蓄
* 通過平台引入的代理系統


 


) 7.### Maxibuy )尼日利亞(


Maxibuy 使個人和企業能夠批量購買或與其他購物者分享他們的購買。產品直接來自農民、分銷商和制造商，使其更新鮮且更便宜。


 


) 8.### Tyms Africa )Nigeria(


Tyms 創建的產品和解決方案涵蓋了智能 )AI驅動的( 財務工具、基於社區的儲蓄 )ROSCA(、投資和小額信貸平台。


 


) 9.### Hepta Pay )Rwanda(


Hepta Analytics 是一家來自盧旺達的初創公司，其工作涉及數據科學和分析的多個實踐領域，旨在將數據轉化爲推動業務增長的決策。


*“我們將客戶移動到基礎設施、數據科學和軟件工程的交匯處，在那裏數據的真正價值可以實現。”*


) 


### 10.### 智能Ikigega )盧旺達(


Smart Ikigega 創建了一個數據庫系統，使農業部門能夠以多種方式與其他部門連接，從而使農業更加數字化。


添加到數據庫的農民被分配一個‘farmercode’，這使得與Smart Ikigega系統的其他產品進行互動成爲可能。


該初創公司的產品包括：


* 收割保險
* 直接移動貸款
* 以數字方式接收收割付款







) 


### 11.### Afriwell Health )Congo(


Afriwell Health 提供一個應用程序，快速高效地將患者與他們的醫療專業人員連接起來。該平台爲偏遠地區的患者提供服務，並幫助克服全科醫生和專科醫生的短缺問題。






遠程醫療也是其服務之一。) 

### 12.### Jem HR )South Africa(

這家南非初創公司爲員工和僱主構建了一個人力資源系統，考慮到了“無桌工作者”。據傑姆所說，全球80%的勞動力並不坐在辦公桌前，他們在制造業、農業、零售、酒店、物流等行業中有27億人之多。

該系統可以與現有的人力資源系統集成，同時允許與其他數字工具（如Whatsapp）集成。

 

 

) 13.### 可樂市場 )加納(

Kola市場利用人工智能和其他數字工具爲中小企業提供營銷和穩定的銷售。

*“我們解決任何中小企業最昂貴的問題：滯銷庫存。我們爲您的業務提供經濟有效的方式來接觸客戶並進行銷售。讓我們幫助您清理您的商店或倉庫！”*

) 

### 14.### 米潘戈 )坦桑尼亞(

Mipango被描述爲針對金融機構的金融數據分析、教育、資金管理和建議軟件，以及面向無銀行帳戶用戶的移動應用程序。







該應用爲用戶提供多個錢包選項，例如：公用事業、抵押貸款、錢包之間轉帳、從特定預算/目標錢包中消費、查看支出和收入分析。











) 


### 15.### Suitch )Cameroon(


Suitch是一家金融科技初創公司，爲企業和個人提供多種服務。


服務包括：


* P2P 轉帳
* 充值/提現
* 實體或虛擬卡片
* 即時貸款


公司還可以從即時工資貸款、中小企業貸款、禮品卡、移動銷售點中受益。


 


**總之…**





*“我們很高興地宣布首屆 Google for Startups Accelerator Africa：女性創始人小組的入選初創公司。這些女性正在應對非洲一些最緊迫的挑戰，我們很高興能支持她們建設未來，”* 談到這一點，谷歌非洲初創生態系統負責人 Folarin Aiayegbusi 說道。

15 African startups have been selected to to join the inaugural Google for Startups Accelerator: Women Founders Africa Programme.
This is an extension of the Google for Startups Accelerator Africa programme established in 2017 but with a focus on women to empower and support women founders by

15 African startups have been selected to to join the inaugural Google for Startups Accelerator: Women Founders Africa Programme.

This is an extension of the Google for Startups Accelerator Africa programme established in 2017 but with a focus on women to empower and support women founders by providing resources and opportunities to help them scale.

Beginning in March 2023, the 12-week program will launch and will consist of one bootcamp per month. Selected participants will be given access to Google’s products, resources, tools, and technology. They will also receive mentoring from industry experts, networking opportunities, and connections with investors to help support the growth of their startups.

![](https://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb)Google has also announced Hustle Academy, a bootcamp-style training programme designed to help entrepreneurs increase revenue, position themselves for investment, and build sustainable businesses for the future.

The company plans to host six women-focused cohorts of the Hustle Academy programme in Kenya, Nigeria, and South Africa throughout the month of March 2023.

Women entrepreneurs in these countries are invited to apply to join these cohorts here.

Successful startups selected for this inaugural cohort come from:

* Kenya (5)
* Nigeria (3)
* Rwanda (2)
* Congo (1)
* South Africa (1)
* Tanzania (1)
* Cameroon (1)
* Ghana (1)

 

Below are the 15 selected startups:

 

### 1.) eWaka (Kenya)

eWAKA is a platform for commuter and commercial micro-mobility fleets from Kenya.

According to its website, eWaka combines hardware, software and servicing to respond to the increasing urban transportation needs on the continent while addressing the major climate challenges of this critical sector.

The startup has an integrated platform solution approach that is said to eliminate many of the operational challenges that normally occur for the e-mobility business.

 

### 2.) Farmer Lifeline (Kenya)

Farmer Lifeline is a Kenyan startup behind the Crop Pest and Disease Detection Device (CDD).

The CDD detects crop pests and diseases early enough and **sends a text message to the farmer.** The device is connected to an online API database to enable it send a recommendation of the fertilizer or chemical to apply for the detected pest or crop disease.

 

### 3.) MosMos (Kenya)

Also from Kenya is MosMos, a startup that lets users make purchases on installments basis. MosMos has partnerships with various sellers to give users the best deals.

The startup also operates a digital commerce website.

 

### 4.) GoBeba (Kenya)



GoBEBA is an on-demand retailer of essential household goods. The service delivers daily instant needs e.g. cooking gas, water, drinks, and other groceries, to customer’s doorstep in under an hour.


GoBeba operates a network of dark stores (micro-fulfillment centers) around popular areas to make sure that orders get to you quickly.


 





### 5.) Zydii (Kenya)


Zydii provides firms like MasterCard Foundation, Uber with virtual training and digital learning solutions to help develop a skilled, competent, and experienced team.


Services offered include:


* Localized African courses
* Training course conversion
* Online and offline learning platforms


### 


### 6.) Alajo App (Nigeria)


Alajo is a Nigerian savings app with the mission for the unbanked and under-banked population in Nigeria to experience financial opportunities and convenience.


* Alajo uses mobile technology and agency banking to improve cash flow, eliminate errors, and increase profit for its users
* Using the USSD infrastructure to simplify saving
* Agent system with agents on-boarded through the platform


 


### 7.) Maxibuy (Nigeria)


Maxibuy enables individuals and businesses to buy in bulk or share their purchases with other shoppers. Products are sourced directly from farmers, distributors, and manufacturers making them fresher and much cheaper.


 


### 8.) Tyms Africa (Nigeria)


Tyms creates products and solutions spanning across intelligent (AI-powered) financial tools, community-based savings (ROSCA), investment and microcredit platforms.


 


### 9.) Hepta Pay (Rwanda)


Hepta Analytics’ is a startup from Rwanda whose work touches on various practice areas under data science and analytics to transform data into decisions that drive business growth.


*“We move our clients to the intersection of Infrastructure, Data Science and Software Engineering where the true value of data can be realized.”*


### 


### 10.) Smart Ikigega (Rwanda)


Smart Ikigega has created a database system which makes it easy for agriculture sectors to be linked with other sectors in different ways which will make agriculture more digitized.


Farmers added to the database are assigned a ‘farmercode’ which makes it possible to interact with other offerings of the Smart Ikigega’s system.


Some of the startup’s product offerings include:


* Harvesting insurance
* Direct mobile loans
* Receiving harvesting payments digitally







### 


### 11.) Afriwell Health (Congo)


Afriwell Health offers an application connecting patients with their healthcare professionals in a quick and efficient manner. The platform provides access to patients in remote location and helps overcoming scarcity of both generalists and specialists.






Telemedicine is also among its offerings.### 

### 12.) Jem HR (South Africa)

The South African startup has built a HR system for both employees and employers, with the ‘deskless’ worker in mind. According to Jem, 80% of the world’s workforce does not sit at a desk, and they’re 2.7 billion strong across industries like manufacturing, agriculture, retail, hospitality, logistics and more.

The system can be integrated with existing HR systems while it allows integration with other digital tools like Whatsapp.

 

 

### 13.) Kola Market (Ghana)

 Kola Market leverages AI and other digital tools to provide marketing and consistent sales for SMEs.

*“We solve the costliest problem for any SME: inventory that is not selling. We expose your business to cost effective ways of reaching customers and making sales. Let’s help you clear out your shop or warehouse!”*

### 

### 14.) Mipango (Tanzania)

Mipango is described as a financial data analysis, education, money management & recommendations software for Financial Institutions and mobile application for the unbanked.







The app provides users with multiple wallets option e.g. Utilities, mortgage, Transfer between wallets, Spend from specific budget/ goal wallets, View spend and income analysis.











### 


### 15.) Suitch (Cameroon)


Suitch is a fintech startup with various offerings for both companies and individuals.


Services include:


* P2P transfers
* Cash in/Cash out
* Physical or virtual cards
* Instant loans


Companies can also benefit from instant payroll lendings, MSE’s lendings, gift cards, mobile point of sales.


 


**In conclusion…**





*“We are thrilled to announce the selected startups for the inaugural class of our Google for Startups Accelerator Africa: Women Founders Cohort. These women are tackling some of Africa’s most pressing challenges, and we’re excited to support them as they build the future,”* said Folarin Aiayegbusi, head of startup ecosystem for Africa at Google.

A Look at the 15 Startups Selected for the Inaugural ‘Google for Startups Accelerator: Women Founders Africa Programme’

回顧首屆‘谷歌創業加速器：非洲女性創始人項目’中選出的15家初創公司

LittleFish，一家南非金融科技公司，已獲得TLCom和Flourish Ventures的種子資金，以簡化中小企業的在線交易。該平台提升了銀行服務，幫助企業進行財務操作和市場參與。TLCom旨在全球擴展，利用LittleFish與VISA的合作。

南非金融科技公司LittleFish獲得了由泛非風險投資公司TLCom主導的新一輪種子融資，Flourish Ventures也參與了投資。

根據TLCom的說法，LittleFish在簡化中小企業在線交易方面發揮着關鍵作用，解決了技術知識和復雜市場準入壁壘等挑戰。

中小企業常常難以獲得量身定制的金融服務，而銀行提供的解決方案往往不夠針對性，未能滿足他們的具體需求。Littlefish旨在通過一個全面的數字和技術平台幫助銀行滿足這一細分市場的需求，使銀行的客戶能夠簡化財務操作、提升銷售、確保信貸獲取以及訪問數字支付處理服務。

![](https://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb)該公司的平台將中小企業與客戶、批發商和金融服務提供商連接起來。該平台旨在滿足小企業主的工作需求，涵蓋了商業運營的多個方面，包括數字廣告、銷售、業務管理和客戶互動，提供爲獨立模塊或整體捆綁。

 

這一輪融資標志着TLcom Capital在南非的首次投資，投資者對創始人的勇氣和經驗印象深刻。

*“首先，布蘭登在職業生涯早期從企業軟件的公司職位辭職，勇敢地追求高增長技術企業的雄心。*

*其次，團隊對金融科技行業有深入的理解。他們的願景是通過更高效地獲取和更好地服務中小型企業，幫助銀行應對金融科技公司的崛起，這一點從第一天起就非常明確，*該公司表示。

*“最終，小魚與VISA的合作是重要的，因爲它使公司通過與VISA的合作銀行建立堅實的聯繫，從而獲得了重大的競爭優勢。VISA顯然也看到了公司使命和產品的巨大價值。”*

 

 

這家初創公司希望在整個大陸擴展其業務，而TLCom則看到了該業務全球擴展的機會。

*“我們發現Littlefish關於使銀行能夠應對來自金融科技公司在服務中小企業領域競爭的論點非常有說服力。”*

*我們也看到公司模型在此取得規模後，有機會走出非洲，滿足全球南方發展中經濟體的類似需求。”*

LittleFish, a South African fintech, has secured seed funding from TLCom and Flourish Ventures to simplify online trading for SMEs. The platform enhances banking services, aiding businesses in financial operations and market engagement. TLCom aims for global expansion, leveraging LittleFish's partnership with VISA.

LittleFish, a South African fintech, has raised a new seed round led by pan-African venture capital firm, TLCom, with participation from Flourish Ventures.

According to TLCom, LittleFish is playing a pivotal role in simplifying online trading for SMEs, addressing challenges like technical literacy and complex market entry barriers.

SMEs often struggle to access tailored financial services, and banks offer untailored solutions that largely fail to cater to their specific needs. Littlefish aims to help banks meet the needs of this segment with a comprehensive digital and technology platform that allows a bank’s customer to streamline financial operations, boost sales, secure credit access, and access digital payment processing services.

![](https://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb)The company’s platform connects SMEs to customers, wholesalers, and financial service providers. Designed for how small business owners work, the platform addresses multiple aspects of business operations, across digital advertising, sales, business management and customer engagement, provided as separate modules or a holistic bundle.

 

The round marks TLcom Capital’s first investment in South Africa with the investors impressed by the courage and experience of the founders.

*“Firstly, Brandon’s courage and ambition to leave a corporate job in enterprise software to start a high-growth technology venture early in his career.* 

*Secondly, the team has a deep understanding of the fintech industry. Their vision to empower banks to counter the rise of fintechs by more efficiently acquiring and better servicing small and medium-sized companies was clear from day one,”* the firm said.

*“Finally, Littlefish’s partnership with VISA is significant because it gives the company a major competitive edge by enabling it to launch with solid tie-ins with VISA’s partner banks. VISA has clearly also seen the massive value in the company’s mission and product.”*

 

 

The startup wants to expand its operations across the continent, while TLCom sees an opportunity for global expansion of the business.

*“We find Littlefish’s thesis of enabling banks to respond to competition from fintechs in serving the SME segment compelling.* 

*We also see an opportunity for the company’s model to travel beyond Africa, once scale has been achieved here, to serve similar needs in developing economies in the Global South.”*

FUNDING | South African Fintech, LittleFish, Raises Seed Round After Closing a Strategic Partnership with VISA

融資 | 南非科技金融公司 LittleFish 在與 VISA 簽署戰略合作夥伴關係後完成基石輪融資

比特幣 DADA 收到了來自 Samara Asset Group 的 $10,000 BTC 捐款，以支持其教育非洲女性比特幣的使命。這筆資金將增強旨在促進非洲女性金融賦權和獨立的項目。

LEDU

比特幣 DADA，一個以女性爲中心的實體，致力於教育非洲女性了解比特幣，已從 Samara Asset Group 收到 $10,000 的 BTC。

薩馬拉資產集團作爲一家投資公司，專注於投資加密資產和公司，同時爲基於區塊鏈的企業提供諮詢。

薩馬拉資產集團爲全球客戶提供服務。

![](https://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb)薩馬拉表示支持比特幣DADA的這一使命，捐款以比特幣(BTC)進行，以幫助該組織推出新的教育項目和倡議。在2023年5月，慶祝其一周年紀念時，比特幣DADA表示其打算擴大其產品範圍。

*“在薩馬拉，我們相信一個人人都能獲得金融賦權的未來，無論性別、種族或地理位置如何。我們對比特幣DADA的捐款是對這一願景的證明。我們不僅僅是在投資比特幣業務，而是在爲所有人投資一個更加包容和去中心化的金融未來。”*

 

根據比特幣DADA的說法，比特幣教育可以爲女性提供多種好處，包括財務賦權和增加獲得金融服務的機會。通過了解背後的技術及其使用方法，非洲女性可以更好地掌控自己的財務，變得更加獨立。

該項目目前正在進行第四期課程，成功培訓了兩批學生，共有45名畢業生。它還在肯尼亞內羅畢組織僅限比特幣的聚會，幫助一些學生在他們的業務中開始接受比特幣作爲支付選項，並向比特幣公司推薦學生以獲得就業機會。

 

比特幣 DADA 創始人 Lorraine Marcel Atieno 表示：

*“薩馬拉對比特幣DADA的慷慨捐贈是對非洲女性賦權的支持燈塔。這一貢獻將推動我們的使命，教育、提升和激勵肯尼亞及整個非洲大陸的女性，爲非洲女性創造更光明的未來。”*

*我們感謝Samara在這段賦權旅程中成爲支柱。*

Bitcoin DADA has received a $10,000 BTC donation from Samara Asset Group to support its mission of educating African women in Bitcoin. This funding will enhance programs aimed at financial empowerment and independence for women in Africa.

Bitcoin DADA, a women centric entity that is working towards educating African women into Bitcoin, has received $10,000 in BTC from Samara Asset Group.

Samara Asset Group operates as an investment company focusing on investing in crypto assets and companies as well as advising blockchain-based businesses.

Samara Asset Group serves customers worldwide.

![](https://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb)Samara says it is supporting Bitcoin DADA in this mission, with the donation made in Bitcoin (BTC), to help the organization roll out new educational programs and initiatives. In May 2023, while marking its one year anniversary, Bitcoin DADA indicated it intended to widen its offering.

*“At Samara, we believe in a future where financial empowerment is accessible to everyone, irrespective of gender, race, or geographical location. Our donation to Bitcoin DADA is a testament to this vision. We’re not just investing in Bitcoin businesses, we are investing in a more inclusive and decentralized financial future for all.”*

 

According to Bitcoin DADA, Bitcoin education can provide several benefits to women, including financial empowerment and increased access to financial services. By learning about the technology behind it and how to use it, African women can gain greater control over their finances and be more independent.

The program, currently undertaking its fourth class, has successfully trained two cohorts of students with 45 graduating It also organizes bitcoin-only meetups in Nairobi, Kenya, helped some students start accepting bitcoin as a payment option in their businesses, and recommended students to bitcoin companies for employment.

 

Lorraine Marcel Atieno, Founder of Bitcoin DADA, said:

*“Samara’s generous donation to Bitcoin DADA is a beacon of support for the empowerment of African women. The contribution will fuel our mission to educate, uplift, and inspire women in Kenya and across the continent, fostering a brighter future for African females.* 

*We’re grateful for Samara being a pillar in this journey of empowerment.”*

FUNDING | Kenya’s Women-Centric Bitcoin Education Initiative, Bitcoin DADA, Receives $10,000 Donation in BTC from Samara Asset Group

融資 | 肯尼亞以女性爲中心的比特幣教育倡議 Bitcoin DADA 獲得 Samara Asset Group 的 10,000 美元 BTC 捐贈

位於加納的金融科技公司ZeePay已獲得1800萬美元的高級擔保債務資金，旨在擴大其數字支付基礎設施並滿足實時匯款流動的流動性需求——與加密協議如何管理流動性和結算進行類比。
成立於2014年，Ze

DEBT

CROSS

流動性

加密

位於加納的金融科技公司ZeePay已獲得1800萬美元的高級擔保債務資金，旨在擴展其數字支付基礎設施並滿足實時匯款流的流動性需求——這與加密協議如何管理流動性和結算形成了對比。

ZeePay成立於2014年，連接移動錢包、卡片、ATM和銀行帳戶與全球匯款網路。它在20多個國家運營，爲匯款、國際話費、訂閱甚至難民付款提供即時結算。

從本質上講，Zeepay 正在構建用於無國界價值轉移的傳統金融（TradFi）基礎設施，這與 RippleNet、Stellar 或 Circle 的 $USDC 背後的願景並無二致。

![](http://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb) 

這項新的債務融資——由Verdant Capital IMAP安排——是在Zeepay於2021年籌集790萬美元A輪股權之後進行的。但這一輪融資並不關注股權稀釋，而是專注於浮動融資——保持匯款和支付操作實時流動的營運資金。

該公司在全球20多個國家擁有業務，專注於促進向非洲和加勒比地區的移動錢包即時匯款的結算，代表著名的國際匯款組織(IMTOs)。

在2023年，ZeePay處理了超過1000萬筆匯款交易，價值超過30億美元。

  

這種方法讓人想起穩定幣發行者如何維持法幣儲備，或去中心化金融協議如何利用流動性池來支持持續的交換和借貸。Zeepay 的模型可能不在鏈上運行，但它在相同的流動性壓力下運作——支持龐大的交易量，並期待即時結算。

這筆交易中，與加密貨幣最爲契合的方面或許是Zeepay的共享抵押結構。多個貸款方共同承諾進入一個由中立的安全受托人管理的共同資產池。資產由監測代理每日獨立評估——這與支撐像MakerDAO或Aave這樣的去中心化借貸平台的鏈上抵押審計相呼應。

 

該結構降低了風險，簡化了貸方參與，並確保了透明度——這是傳統金融和加密投資者都能欣賞的。

*“這一結構簡化了投資者參與，因爲我們正在執行我們的增長計劃，”*  Zeepay 的創始人兼首席執行官安德魯·塔基·阿皮亞說。

*“這反映了投資者對我們提供快速、安全和可擴展金融服務能力的信心。”*

 

Zeepay 的戰略爲希望融入現實金融生態系統的加密本土項目提供了一個引人注目的藍圖——特別是在移動支付比傳統銀行更普遍的新興市場。

它的，

* 債務融資反映了DeFi抵押品化
* float像流動性儲備一樣，和
* 使用案例 – 匯款 – 是區塊鏈金融最強大的應用之一。

隨着加密貨幣尋求現實世界的採用，Zeepay展示了如何利用傳統金融機制構建可擴展、可信賴的基礎設施，同時擁抱去中心化金融的精神。

Ghana-based fintech, ZeePay, has secured $18 million in senior secured debt funding, aimed at scaling its digital payment infrastructure and meeting the liquidity demands of real-time remittance flows – drawing parallels with how crypto protocols manage liquidity and settlement.
Founded in 2014, Ze

Ghana-based fintech, ZeePay, has secured $18 million in senior secured debt funding, aimed at scaling its digital payment infrastructure and meeting the liquidity demands of real-time remittance flows – drawing parallels with how crypto protocols manage liquidity and settlement.

Founded in 2014, ZeePay connects mobile money wallets, cards, ATMs, and bank accounts to global money transfer networks. It operates across 20+ countries, offering instant settlement for remittances, international airtime, subscriptions, and even refugee payments.

In essence, Zeepay is building TradFi rails for borderless value transfer, not unlike the vision behind RippleNet, Stellar, or Circle’s $USDC.

![](https://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb)  

This new debt facility – arranged by Verdant Capital IMAP – follows Zeepay’s $7.9 million Series A equity raise in 2021. But rather than equity dilution, this round focuses on float financing – working capital that keeps remittance and payment operations liquid in real time.

The company boasts a presence in over 20 countries worldwide and specializes in facilitating the immediate settlement of remittances into mobile money wallets across Africa and the Caribbean, acting on behalf of prominent international money transfer organizations (IMTOs).

In 2023, ZeePay processed over 10 million remittance transactions, exceeding $3 billion in value.

  

This approach is reminiscent of how stablecoin issuers maintain fiat reserves or how DeFi protocols use liquidity pools to support continuous swaps and lending. Zeepay’s model may not run on-chain, but it operates under the same liquidity pressure – supporting massive transaction volumes with instant settlement expectations.

Perhaps the most crypto-aligned aspect of the deal is Zeepay’s shared-collateral structure. Multiple lenders pledge into a common asset pool, managed by a neutral security trustee. The assets are independently valued daily by a monitoring agent – mirroring the on-chain collateral audits that undergird decentralized lending platforms like MakerDAO or Aave.

 

This structure reduces risk, simplifies lender participation, and ensures transparency – something both TradFi and crypto investors can appreciate.

*“This structure simplifies investor participation as we execute our growth plans,”* said Andrew Takyi Appiah, Zeepay’s founder and CEO.

*“It reflects investor confidence in our ability to deliver fast, secure, and scalable financial services.”*

 

Zeepay’s strategy offers a compelling blueprint for crypto-native projects looking to embed themselves in real-world financial ecosystems – especially in emerging markets where mobile money is more prevalent than traditional banking.

Its,

* debt financing mirrors DeFi collateralization
* float acts like a liquidity reserve, and
* use case – remittance – is one of the most powerful applications for blockchain-based finance.

As crypto seeks real-world adoption, Zeepay is showing how scalable, trusted infrastructure can be built with TradFi mechanics while embracing the spirit of decentralized finance.

BitKE

回顧首屆‘谷歌創業加速器：非洲女性創始人項目’中選出的15家初創公司

融資 | 南非科技金融公司 LittleFish 在與 VISA 簽署戰略合作夥伴關係後完成基石輪融資

融資 | 肯尼亞以女性爲中心的比特幣教育倡議 Bitcoin DADA 獲得 Samara Asset Group 的 10,000 美元 BTC 捐贈

融資 | 加納科技金融公司ZeePay獲得1800萬美元債務，以擴大跨境支付——加密貨幣匯款的傳統金融模式？