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Fintech

holdd

holdd — escrow for social commerce Buying from a stranger on WhatsApp or Instagram means somebody has to go first — and somebody gets burned. holdd removes that: the buyer pays into escrow via mobile money, the seller delivers knowing the money is held and can't be reversed, and the buyer releases it with a 6-digit code once the item is in hand. If something goes wrong, the money freezes and is refunded. No app, no account, no sign-up. A seller starts a deal in 30 seconds from a link; the buyer gets one SMS with everything they need. Built on Moolre — wallet collections and payouts, verified seller identities, milestone payments for services, and shareable listings with stock control.

218 votes
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Fintech

WeLMaS

WelMaS is a modern digital welfare and benefits management platform designed to help organizations, associations, churches, cooperatives, employee unions, and community groups efficiently manage member welfare contributions, benefits, and financial support systems. The platform simplifies the collection of monthly contributions, automates record keeping, improves transparency, and enhances accountability within welfare schemes. WelMaS provides members and administrators with real-time access to contributions, benefits, reports, notifications, and welfare activities through a secure web and mobile platform. WelMaS aims to eliminate manual bookkeeping, reduce financial disputes, and create a trusted ecosystem for welfare and benefits administration across Africa and beyond. Problem Statement Many welfare groups and associations still rely on: • Manual contribution records • Paper-based accounting • WhatsApp tracking • Excel spreadsheets • Unstructured payment systems These traditional methods often lead to: • Poor transparency • Missing records • Delayed reporting • Financial disputes • Fraud and accountability issues • Difficulty tracking member payments and benefits Organizations require a centralized, secure, and automated welfare management solution. ________________________________________ Solution WelMaS provides a complete digital ecosystem for welfare and benefits management. The platform enables organizations to: • Collect monthly contributions digitally • Track member payments automatically • Manage welfare requests and benefits • Generate financial reports • Send reminders and notifications • Monitor welfare fund balances • Improve transparency and trust among members WelMaS combines fintech innovation with community welfare management to create a reliable and scalable platform.

115 votes
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Fintech

TEAMKWS

Escavio is a rent escrow platform built for Ghana. Landlords want advance payments. Tenants earn monthly and cannot afford lump sums. Escavio sits in the middle. Tenants verify their identity, top up an in-app wallet via Moolre Collections, and request properties. Once a landlord accepts, funds lock into escrow automatically. Landlords receive their money directly to their mobile money via Moolre Disbursements on a schedule they choose. If a tenant defaults, their security deposit covers the landlord immediately. An AI assistant called Ama helps tenants understand their lease and flags any terms that violate Ghana's Rent Act 2026. Landlords stop chasing rent. Tenants get a home without a lump sum. Built on React, Node.js, Supabase, and Moolre's API. Live at escavio.site

2649 votes
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Fintech

Kejetia App

Kejetia App is the trust layer for Africa’s social-commerce economy. Across Ghana, thousands of buyers and sellers already discover products, negotiate prices and close sales through WhatsApp, Instagram, TikTok and other informal channels. The market exists. The customers exist. Mobile-money infrastructure exists. What is still missing is trust. Buyers worry about paying and receiving nothing, getting a counterfeit or completely different product, or having no clear refund process when a transaction fails. Sellers face fake payment alerts, abandoned deliveries, preorder cash-flow pressure and difficulty convincing first-time customers that they are legitimate. This creates a major gap: a payment can be successful while the actual trade still fails. Kejetia App closes that gap by turning informal transactions into protected orders. A seller creates an order containing the agreed product, price, delivery terms and release conditions. The buyer makes payment, but the money is placed in a protected safe vault instead of being immediately released. Kejetia records the transaction, captures delivery or milestone evidence and releases the funds only when the agreed conditions have been satisfied. This gives buyers greater confidence that they will receive what they paid for, while giving genuine sellers stronger payment assurance, fewer fake alerts and a trusted way to sell to new customers. The platform is powered by Moolre’s Collections, Disbursements and USSD capabilities. For this competition demo, the Moolre integration is operating in a sandbox environment, meaning all transactions are simulated for testing and demonstration purposes—no real funds are moved. Core Features Protected orders: Buyers and sellers agree on the product, price, deadline and transaction conditions before payment. Safe vault: Customer funds are secured and released according to agreed rules. Buyer approval: Payment can be released after the buyer confirms delivery or completion. Delivery evidence: The platform can record delivery codes, timestamps, photos, messages and milestone proof. Merchant wallet: Sellers can view available, held and reserved balances. Payment links: Sellers can share protected-order links through WhatsApp, Instagram, TikTok or the web. Structured disputes: Both parties can submit evidence through a clear dispute and resolution process. Preorder and milestone payments: Funds can be released in stages for mini-imports, custom production and other longer transactions. Transaction records: Buyers and sellers receive a digital history of payments, orders and settlements. API-ready infrastructure: Kejetia’s protection layer can be embedded into marketplaces, logistics platforms and other commerce products. The long-term vision is bigger than another online marketplace. Kejetia is designed to become infrastructure connecting payments, delivery evidence, merchant identity, lending, insurance and dispute resolution into one trusted commerce experience. Its defensibility comes from the transaction evidence created across agreements, payments, delivery events and dispute outcomes—not simply from generating payment links. Kejetia earns revenue from protected-transaction fees, premium preorder protection, merchant tools and future enterprise API integrations. As more transactions are protected, the platform builds stronger merchant histories, better risk controls and greater trust between unfamiliar buyers and sellers. We are starting with Ghana’s informal and social-commerce market, where the pain is immediate and transaction volumes are already significant. From there, Kejetia can expand across West Africa and other mobile-money-driven markets. Kejetia does not replace how Africans already trade. It makes that trade safer, more scalable and more valuable. Kejetia — what we agreed is what gets delivered. Live Demo Demo website: Kejetia.shop Customer account Phone number: 0246870679 OTP: 123456 Vendor account Phone number: 0241000001 OTP: 123456 Important demo note The current demo uses the Moolre sandbox environment. Payments, collections and disbursements shown during testing are simulated and do not involve real money.
147 votes
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Fintech

RushPay

RushPay is an all-in-one fintech platform that enables secure digital wallet payments, mobile money collections, bank and mobile money disbursements, QR payments for susu collections, payroll, gift cards, escrow, invoicing, APIs, and merchant tools. For the Moolre Startup Cup, RushPay integrates Moolre Collections for instant wallet funding and merchant checkouts, Moolre Disbursements for payroll processing and withdrawals to mobile money and bank accounts, SMS and WhatsApp APIs for OTP verification and real-time transaction notifications, and USSD to improve accessibility for users with basic phones or limited internet connectivity. Our mission is to simplify digital payments while empowering developers and businesses with secure, scalable APIs to build innovative financial services across Ghana and beyond.
202 votes
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Fintech

TrustPool

A platform that modernizes community savings, welfare contributions, fundraising, and peer to peer rotational savings (Susu). We enable verified groups such as workplaces, schools, social clubs, religious organizations, families, and associations to manage collective finances transparently and efficiently. TrustPool transforms the way collective funds are managed by replacing manual processes with a secure and automated solution. The platform enables members to participate in contribution pools, fundraising initiatives, welfare schemes, and rotational savings programs (Susu) directly from their mobile devices. Every contribution, payout, and transaction is tracked in real time, providing complete visibility and reducing the risks associated with cash handling, missed payments, delayed payouts and manual or informal record keeping. By integrating Moolre’s payment infrastructure, TrustPool facilitates seamless collection and automated disbursement of funds to beneficiaries at the same time ensuring speed, security, and convenience for all users. Our mission is to strengthen trust within communities by providing technology that makes collaboration, financial support, and collective growth easier than ever before. Through our platform, communities can focus on achieving their goals while the platform handles the complexity of managing shared finances. TrustPool is where community, technology, and trust come together to create a more connected and financially empowered future. AppStore (Beta) URL - https://testflight.apple.com/join/vFUtZwKj
228 votes
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Fintech

Cover Ghana

Every day in Ghana, businesses and individuals do the same tedious thing: open MTN MoMo, send a transfer. Open Telecel Cash, send another. Open the banking app, send a few more. Repeat, one person at a time, for however many people they owe. Swife ends that. Upload a list — a spreadsheet, a pasted text, even a messy note — and Swife verifies every recipient by name, detects their network automatically, and pays everyone across MTN MoMo, Telecel Cash, AT Money, and every Ghanaian bank in a single click. Built on Moolre's Wallet, Collections, Disbursements, USSD, and SMS APIs, Swife isn't just a payment button — it's the trust layer businesses have been missing. Every name is matched against its registered wallet before a cedi moves. Every recipient gets an instant SMS receipt. Every business — even one whose customers don't own a smartphone — can reach every rail through USSD. And it's not only for businesses. A family sending money home to several relatives, a susu group paying out its members, someone settling funeral or wedding contributions — the same one-click engine works for the payments every Ghanaian already makes, just done properly for the first time. Five people or five thousand — the flow doesn't change. That's the point. Swife. One click. Every rail. Everyone paid. swife.app
3426 votes
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Fintech

SusuTrust

SusuTrust is a smart, automated mobile system that digitizes traditional African Susu savings groups (peer-to-peer rotational saving circles). Operating entirely over simple USSD phone menus(*919*4010#), it automatically collects contributions, sends payouts, and text updates. To protect your money, it uses a unique Trust Score Engine and a Safety Split Rule. When you win the pool early, a portion is held back as a guarantee. As you keep paying your rounds, that money is slowly unlocked back to you after contributing to a round. If you default, your held funds are automatically given back to the group pot so no one loses their hard-earned money. SusuTrust relies completely on the Moolre FinTech network to handle all its heavy lifting behind the scenes: Momo Validation API: Instantly checks that your sign-up momo number matches your actual mobile money profile to keep scammers out. Payment Request API: Triggers the automatic pop-up prompt on your phone screen so you can securely type your MoMo PIN to contribute. Transfer/Disbursement API: Automatically shoots the group cash prize—and your dynamically unlocked safety money—straight into your mobile wallet. SMS API: Pushes out all the automatic text reminders, warning alerts, and payment receipts.

130 votes
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Fintech

SendAfrika

SendAfrika is a currency exchange and payment network that connects licensed forex traders and money exchangers with individuals and businesses across Africa. We're building a digital marketplace that enables users to convert their money and make cross-border payments without the need for hard currency intermediaries. Through SendAfrika, businesses can accept payments in foreign currencies and settle locally, while forex traders gain access to a wider customer base across the continent.
110 votes
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Fintech

Veltcrow

Moolre Escrow: A Mobile Money Trust Layer Moolre Escrow is an escrow service built on top of Moolre's Collections, Disbursements, and USSD APIs, designed to enable secure transactions between parties with little or no existing trust. The Problem Mobile Money has made sending money fast and convenient across our region. However, the ease of transferring funds has also increased the risk of fraud, particularly in online marketplaces where buyers and sellers are often strangers. Buyers frequently hesitate to pay upfront because there is no guarantee that the seller will deliver the promised goods or services. Our Solution Moolre Escrow acts as a trusted third-party intermediary that securely holds funds until both parties are satisfied that the agreed transaction has been completed. The platform serves as a trust broker, reducing the risk for both buyers and sellers while remaining simple and accessible through USSD. How It Works Buyer creates an escrow using our USSD application. The buyer funds the escrow through Mobile Money using Moolre's Collections API. Once the escrow is funded, both the buyer and seller receive SMS notifications confirming the escrow and the amount held. The seller can verify the existence and value of the escrow directly through USSD, providing assurance that payment has been secured. After the goods or services have been delivered and the buyer is satisfied, the buyer authorizes the release of funds. Moolre's Disbursements API transfers the funds from escrow to the seller. Why USSD? Many users across Africa still rely on feature phones or have limited internet connectivity. By leveraging USSD, our platform is accessible to virtually any Mobile Money user without requiring a smartphone or mobile application. Primary User Need Imagine a buyer finds a product on an online marketplace and wants to purchase it from an unfamiliar seller. Instead of sending Mobile Money directly and hoping the seller delivers, the buyer deposits the funds into a secure escrow account. The seller can immediately verify the escrow using our USSD shortcode and confirm that the agreed payment has been secured. Once the buyer receives the product and confirms that it meets expectations, they authorize the release of funds to the seller. This creates confidence for both parties, making online commerce significantly safer while reducing fraud and disputes. Key Features USSD-based escrow creation and management Mobile Money collections through Moolre Collections API Automated SMS notifications for buyers and sellers USSD escrow verification for recipients Buyer-controlled release of funds Secure Mobile Money disbursements using Moolre Disbursements API Accessible on any phone without requiring internet access Value Proposition Moolre Escrow transforms Mobile Money from a simple payment mechanism into a trusted transaction platform. Rather than relying solely on trust between strangers, users rely on a neutral intermediary that securely holds funds until agreed-upon conditions have been met. By combining Moolre's APIs with a lightweight USSD experience, we make secure digital commerce accessible to everyone, helping reduce fraud and increase confidence in online transactions.
111 votes
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Fintech

Djanggi

Djanggi is a fintech platform modernising community savings across Africa. We help Susu, Njangi, Chama, Esusu, ROSCA, and other rotating savings groups manage contributions, track payments, automate records, and improve transparency while preserving the trust that makes these communities successful. Built by Volta Technologies Ltd, our mission is to become Africa’s leading digital infrastructure for community finance, making collaborative saving safer, simpler, and more accessible for millions.
495 votes
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Fintech

Renobytes

Flow2Bot — draw it, describe it, dial it. USSD, WhatsApp & Telegram bots built by AI. No code. In Ghana, launching a USSD or messaging service means developers, telco negotiations, and a payments stack so most businesses simply never do. Flow2Bot deletes that barrier. Describe your idea in plain English or upload a photo of a paper sketch and our AI builds the whole flow on a visual canvas. Test it on a virtual phone. Go live on USSD, WhatsApp, and Telegram. Every customer reached, smartphone or not. We built Flow2Bot deeply on Moolre — all four APIs, end to end: • USSD — flows are served live over Moolre's USSD gateway. Any merchant launches a real *#code without writing a line of code. • Collections — customers pay with mobile money (MTN, Telecel, AT) inside the flow, confirmed in real time. • Disbursements — merchants pay out earnings to any wallet straight from their dashboard. • SMS — receipts, OTPs, and notifications, delivered through Moolre SMS. Dial in → get served → pay → get your receipt → merchant gets settled. The full money loop, entirely on Moolre, with zero code. A market woman, a school, a church, a bank — if they can describe their service, they can ship it.

1007 votes
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Fintech

Native Foundry

Every platform on Moolre that needs to pay multiple parties builds the same thing from scratch, split math, retry logic, idempotency guards, audit trails. Ocuula collapses that to a single integration. Ocuula is a non-custodial payment orchestration engine built on Moolre. It sits between your application and Moolre, handling split logic, routing rules, retries, and guarantees so you don't have to build any of it from scratch. At the core: durable execution, idempotency, and automatic retries. Five split engines: → Percentage Split → Fixed Amount → Waterfall Pool → Tiered Commission → Milestone Batch Built on durable execution, idempotency, and automatic retries, every trigger completes exactly as intended, and every recipient gets exactly what they're due. Non-custodial. Zero rounding loss. Full audit trail.
271 votes
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Fintech

Azaman

Azaman: "Where social finance meets the speed of trust". We are Africa’s first premium financial Super-App, merging encrypted chats, cross-border crypto-to-fiat payments, and a complete Business OS into one seamless ecosystem. Why let a dozen apps patch your life piecemeal when you can have it all in one? Azaman is redefining the African digital economy by eliminating the boundary between lifestyle and finance. We run parallel USDC and local fiat systems, powered by Moolre, allowing users to save globally in native Susu group chats, secure P2P deals with in-chat Escrow, and command payments via our built-in AI. But Azaman isn't just for consumers; it is a full-scale Business Operating System. We replace fragmented POS systems, scheduling apps, and payroll software with a unified portal for hotels, transit, and restaurants, giving business owners ultimate control and granting employees revolutionary access to live, earned wages. Anticipate, because we aren't the regular. Features and Why Us: • Social Escrow & AI Payments: Send money, secure friendly bets, and lock P2P marketplace deals in-chat with our Smart Escrow. Our native AI model lets you execute transactions using natural language. • Global Susu on Polygon: We modernized traditional African group savings. Families across the diaspora can fund Susu groups via USDC, while locals withdraw instantly to Mobile Money via our Moolre integration. • The Ultimate Business OS: Vendors don't just take payments; they run their operations on Azaman. We provide dynamic transit seat editors, hotel channel management, and restaurant kitchen display systems, all while sending digital receipts directly to the customer's AZM-ID. • Earned Wage Access (EWA): We empower the African workforce. Employees managed on Azaman get a dedicated "Workplace" portal where they can swap shifts and withdraw up to 30% of their accrued salary midmonth, ending the 30 day wait for payday. • Flawless Premium UX: Built with fluidity that supports data density, Azaman introduces interactive 3D UI, holographic glassmorphic money cards, and draggable HUDs to make finance feel like magic. Make sure to join our waitlist!

1075 votes
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Fintech

Gye payments(Momo Debits)

We enable businesses to automate recurring payment collections and installment payments directly through Mobile Money (MoMo) , Bank Account / Credit cards - eliminating manual follow-ups once a customer has granted authorization. Our platform solves one of the most persistent operational challenges facing businesses across Ghana: collecting payments consistently, predictably, and efficiently. Beyond automated collections, Gye Payments gives businesses the tools to run their finances with confidence - payment infrastructure, intelligent collection logic, financial records, reconciliation, and embedded financing capabilities that improve cash flow and support sustainable growth. As the platform evolves, Gye Payments will become the financial operating system for African businesses - powering payments, collections, lending, reconciliation, and business finance through a single, unified infrastructure layer Collection , Disbursement , USSD , SMS , Emails

141 votes
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Fintech

KobbyTech

Every day, thousands of Ghanaian traders and small businesses lose money because they record sales in notebooks, forget who owes them, handle too much cash, and make business decisions without knowing their true profits. That's why we built KudiFlow AI the all in one Business Operating System for Ghanaian traders and SMEs. With KudiFlow, you simply speak or type in plain English or Twi, such as, Sold 3 bags of rice for 450 cedis to Nana Kwame, and our AI instantly records the sale, categorizes it, updates your accounts, tracks customer balances, and keeps your business records up to date automatically. KudiFlow also enables you to accept Mobile Money payments through payment links and QR codes, pay suppliers and employees instantly, manage customer debts with automated SMS reminders and payment links, and even run your business offline through USSD on any phone no internet required. Every day, KudiFlow AI provides clear insights into your profits, expenses, inventory, cash flow, and best-selling products, giving you the information you need to make smarter decisions and grow with confidence. Our mission is simple: to give every Ghanaian business—from market traders and retailers to growing SMEs the same powerful business tools used by large companies, all in one simple and affordable platform. With KudiFlow, you spend less time on paperwork, get paid faster, make better decisions, and focus on what matters most: growing your business.

233 votes
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Fintech

prodasher

Your salary lands. By the 9th, it is gone. Prodasher splits every cedi as soon as it arrives. It puts money aside for rent, food, school fees and other needs, then locks the important pockets until they are due. Need to unlock a pocket early? You can, but you pay a 5% penalty. A susu collector takes a cut whether you stick to your plan or not. Prodasher charges nothing unless you break your promise. Prodasher is live and moving real money through Moolre today: https://prodasher.com HOW IT WORKS Set your payday and decide what percentage should go into each pocket. You only need to do this once. After that, whenever Moolre confirms that money has arrived, Prodasher automatically divides it between your pockets before you can spend it. For example, your money can be split into: - Rent - Food - School fees - Transport - Savings - Any other pocket you create You can use Prodasher whether you receive a salary, sell at the market, drive for a living or earn money in another way. Each pocket can be locked until a chosen date or until it reaches a savings target. If you unlock it early, the system charges a 5% penalty. This charge is recorded by the server as a separate transaction, so the app cannot hide or change it. HOW PRODASHER USES MOOLRE Prodasher uses all four main Moolre services in production: • Add money When you tap “Add money,” Moolre sends a USSD payment request to your mobile money wallet. Prodasher credits only the amount Moolre confirms. The app cannot make up or change that amount. • Withdraw money You can send money from Prodasher to a mobile money wallet on any network. Your Prodasher balance is reduced only after Moolre confirms that the transfer succeeded. • USSD Payment ID Every user receives a permanent Moolre Payment ID when they sign up. They can dial *203*<id># to fund their Prodasher pockets from a feature phone, without internet access or the app. • SMS Moolre sends every one-time verification code and every money receipt. Prodasher also uses Moolre to: - Show the recipient’s verified name before a transfer - Give each user a virtual bank account for salary payments - Confirm the final status of every deposit and withdrawal HOW YOUR MONEY IS KEPT SAFE Prodasher does not hold customer funds. Money is held and moved by Moolre Limited, which is licensed by the Bank of Ghana. Every amount shown in Prodasher comes from a permanent transaction record. Transactions are never edited or deleted. Money is stored as whole pesewas to prevent rounding errors. Before adding money to a user’s balance, Prodasher checks the payment directly with Moolre. Before sending money out, it records the transfer and processes one withdrawal at a time for each user. If a withdrawal has not been confirmed, Prodasher does not automatically try again. Doing so could send the money twice. Prodasher is not a bank and does not take deposits. Moolre holds and moves the money. Prodasher provides the pockets, automatic splits and commitment locks that help people make their money last.
2317 votes
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Fintech

PaddyMe

Everyone is trying to build the next payment platform. We asked a different question. What if the payment platforms we have are already good enough? Maybe what’s missing isn’t a new infrastructure. Maybe what’s missing is a better payment experience. Every day, we send money to people who matter most: our friends, family, colleagues, and communities. Yet, something as simple as paying someone still means sharing phone numbers and revealing full government names, switching between apps, and even searching for contacts. What if sending money felt as easy as talking to your paddy? Introducing PaddyMe. PaddyMe is a payment facilitation layer that connects the licensed payment providers you already trust and removes the friction around peer-to-peer payments. Instead of exchanging phone numbers, users can simply search for a unique PaddyMe username, send money, and PaddyMe automatically verifies when the payment is complete. No phone numbers, no screenshots, no uncertainty, and no full government name revealed. Need to pay your paddy (friend) back for lunch? Paddy it. Need to collect money from friends? Paddy it. Need a simpler way to handle everyday payments? Just Paddy It. We’re not replacing existing payment providers. We’re making them easier and more human to use. Because money isn’t just about transactions; it is about people. PaddyMe—Pay people, not phone numbers. Youtube link: https://youtu.be/Oqvwv6rAwm0

247 votes
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Fintech

Innova

PaySmallSmall — Buy big. Pay small small. In Ghana, installment buying isn't a business model — it's culture. "I'll pay small small" is how millions of people already think about money. But nobody built a proper system for it, so it runs on trust, promises, and exercise books. Customers lose deposits when shops vanish. Shops lose stock when customers vanish. And most sales never happen at all, because the lump sum is the wall. PaySmallSmall breaks that wall. A merchant lists a product — say a phone for GHS 1,200. A customer commits to a plan they can actually keep: GHS 100 every week for 12 weeks. They pay the first installment right away with mobile money. Every payment triggers an instant SMS receipt — permanent proof. When a payment is due, we remind them by SMS, so plans get finished instead of forgotten. The money sits in escrow the whole time: the shop can't run with deposits, the buyer can't take goods unpaid. When the last installment lands, the merchant is paid out automatically and hands over the item. Nobody gets cheated — that's the whole point. Built end-to-end on Moolre: Collections take every installment in, Disbursements pay merchants out (and handle refunds), and SMS holds the trust together with receipts and reminders. Here's what that means for the ecosystem: a sale that would have been one transaction — or, more often, no transaction, because the buyer couldn't raise the lump sum — becomes thirteen transactions. PaySmallSmall doesn't just move existing payments onto Moolre's rails. It creates sales that were never going to happen. For shoppers: no lump sum, no borrowing, no shame. For merchants: customers who couldn't buy yesterday become customers today. For Ghana: the way we already buy, finally with a system behind it.

110 votes
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Fintech

The KayGe

SusuCircle brings Ghana's traditional susu (rotating group savings) fully online. no more chasing cash or trusting a notebook. An organizer creates a circle, adds members, and every round runs itself: members are debited by Mobile prompt via Moolre Collections, funds sit safely in a dedicated Moolre wallet per circle, and when the round closes the pot pays out to that round's recipient automatically through Moolre Disbursements. Every money event: reminder, contribution received, payout sent triggers an SMS receipt, and members on feature phones can check their balance, see whose turn it is, and contribute via USSD, so the whole circle works even without a smartphone. Under the hood: idempotent payment references keep money movement safe under duplicate webhook delivery, member MoMo numbers are name-validated before joining, and an AI assistant grounded in the live ledger answers members' questions about their circle. Built with FastAPI and React, live at susu.pfeffernusstechnologies.dev.

972 votes
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Fintech

RozvaTech

SalaryBank Unified Payroll & Retail Credit Infrastructure One-Line Elevator Pitch: The modern financial operating system that automates bulk payroll for companies, while giving employees instant access to earned wages, smart credit lines, and secure virtual cards. The Problem Traditional payroll is trapped on a rigid monthly schedule. When employees hit mid-month cash crunches, they lack immediate liquidity. Meanwhile, companies face massive administrative overhead trying to calculate deductions and securely disburse bulk salaries to thousands of employees simultaneously. What it Does SalaryBank bridges the gap between enterprise payroll and everyday consumer liquidity with three core pillars: SalaryBank Core: A high-performance employer dashboard built to upload staff rosters, handle deductions, and execute secure, massive bulk payroll concurrently. SalaryBank Credits: An internal underwriting engine that evaluates historical payroll data to instantly unlock zero-down credit lines, earned wage access, and structured split-pay options for workers. SalaryBank Card: A private cryptographic virtual debit and credit card network featuring Dynamic Funding Routing, allowing users to link their cards to a single pocket or let it auto-cascade across multiple wallets at checkout. Our Programmatic Ledger Interceptor secures lending capital by automatically recovering outstanding credit balances straight from incoming corporate salary pools before funds hit the user's withdrawable wallet, practically eliminating credit default risk.
110 votes
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Fintech

Susumate

SusuMate helps friends, families, associations, churches, teams, and communities manage savings together. Users can create rotational susu groups, save toward shared goals, and launch public contribution campaigns. Members can be invited through a link, make contributions, track progress, approve cashouts, and receive payouts. SusuMate also includes an AI assistant to help users understand and manage their groups, USSD for offline contribution and SMS and WhatsApp to keep members informed. Users in Ghana can also send money to relatives and beneficiaries in Nigeria. Learn more at https://susumate.app #SusuMate #Susu #Fintech #GroupSavings #DigitalPayments #FinancialInclusion #Moolre

554 votes
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Fintech

BAK

Klare is an automated salary and bill-settlement platform for Ghana, built on the Moolre payment rails. Employers fund a wallet and run payroll; employees receive their pay into a Klare wallet where bills are automatically set aside and paid, and they can send money or top up all in one app. Klare Business (web dashboard) For employers. They register a company, verify their email, and manage everything from the dashboard: Add employees (single or bulk CSV/Excel import); each gets auto-generated login credentials sent by email + SMS. Fund the company wallet via mobile money (OTP-confirmed) or a dedicated bank-transfer account. Run payroll automatically on payday, or manually with an SMS confirmation code. Payroll credits each employee's Klare wallet. View wallet balance, ledger, payroll history, and team stats. Klare Personal (mobile app) For employees and for individuals whose employer isn't on Klare (they can self-sign-up). Features: Salary lands in the Klare wallet, split into "free to spend" and a "locked safe wallet" reserved for bills. Interactive "salary received" screen toggle bills off, edit amounts, or let Klare pay them all automatically. Bills: add/edit/pause/delete recurring expenses; Klare locks the money each payday and pays the recipients for real. Send money to any mobile-money number, authorized by a 4-digit SMS code. Add money (top up the wallet from mobile money). Activity history, profile, and push/email/SMS notifications when paid. If a company removes an employee, they keep their Klare wallet and can keep using it as a personal account. Moolre APIs used Collection (initiatePayment): topping up wallets from mobile money (with OTP / phone approval). Disbursement (transfer): paying money out: sending money and settling employees' bills to recipients. SMS (sendSms) — transactional texts: login credentials, payroll codes, send-money authorization codes, salary alerts. Money model: All funds sit in one master Moolre account. Each company and each user has an internal Klare wallet (ledger). Money only enters via Collections and leaves via Disbursements; salary moves between wallets internally without leaving the master account. Tech: Spring Boot (Java) backend + PostgreSQL, deployed at api.klare.app; web dashboard on klare.app; React Native (Expo) mobile app.
841 votes
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Fintech

BranchLink

Businesses with multiple branches in Ghana often use one mobile money number to receive payments. When a customer pays at a branch, the money goes directly to the head office account, leaving branch staff unable to confirm the payment themselves. They have to call head office, and sometimes, fake payment alerts can lead to fraud, and business owners have no clear view of which branch generated each sale. BranchLink solves this without changing how businesses receive payments. It gives every branch a unique payment code while keeping a single merchant payment number. Customers simply pay using QR, card, any mobile money network, or USSD. Every payment is automatically tagged to the correct branch, allowing branch staff to receive instant confirmation on their dashboard and by SMS, while the business owner monitors every branch’s performance in real time from one central dashboard. Each branch can only view its own sales and transactions, while company-wide revenue and financial performance remain visible only to the administrator, ensuring privacy and centralized financial control. No calls to head office. No fake payment confirmations. No manual reconciliation. One payment number. Every branch accounted for. Powered by Moolre. Try the demo, experience it for yourself.
157 votes
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Fintech

hyperV

The problem. Informal savings in Ghana run on susu collectors: a person who moves door to door collecting small contributions and holds the pot. It is deeply trusted, but it is physical cash (easy to lose or misappropriate), it has no records, and the digital alternatives assume a smartphone and data that most savers do not have. SusuLink. SusuLink is that susu collector, rebuilt as software you reach over USSD. It works on any phone. A member dials *919*4006#, joins or creates a savings group, and deposits whatever they can afford straight from their Mobile Money wallet. There is no fixed contribution: GHS 5 today, GHS 50 next week, whatever they have. Every deposit is locked until the cycle the group chose, which can be daily, weekly, monthly, or a custom number of days (for example 20 days to save toward a specific event). When the cycle matures, each member cashes out their own balance back to Mobile Money and keeps almost all of it. Every deposit and payout is confirmed by SMS. Trust by design. SusuLink follows the collector model: what you contribute is what you get back, to your own number. Only you can withdraw your own savings. The person who created the group sets the schedule but can never move another member's money. That guarantee is the whole pitch for people who have been burned by cash going missing. Built on Moolre. One integration handles the entire savings loop, which is what lets SusuLink run on a basic feature phone with no internet.
117 votes
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Fintech

CMTek Solutions

LedgerPro is an AI-powered business management platform for hospitals that streamlines employee management, accounting, and operational workflows. It uses intelligent automation to improve accuracy, reduce manual processes, and enhance decision-making across hospital operations. A key capability is its revenue leakage detection, which helps identify missed, underreported, or lost income, ensuring hospitals capture their full earnings potential. Overall, LedgerPro improves efficiency, financial control, and data-driven management across healthcare facilities.
219 votes
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Fintech

nStore Labs

Affordable point-of-sale technology for the shops that keep Ghana running, powered by Moolre. The Problem Across Ghana, thousands of small businesses still manage their daily operations with notebooks and mental calculations. Setting up a traditional point-of-sale (POS) system can cost a shop owner up to GH₵7,000, requiring a laptop and dedicated hardware. For neighborhood pharmacies, provision shops, and hardware stores, that cost is simply too high. As a result, many businesses continue without proper tools: sales are written in notebooks, inventory is tracked manually, profits are unclear, and digital payments are completely disconnected from the sales process. Small businesses deserve better. The Solution nStore transforms the smartphone already in a shop owner’s pocket into a complete point-of-sale system. For as little as GH₵50 per month, businesses get access to the tools they need to run and grow, with no laptop, no expensive hardware, and no large upfront investment. nStore is built offline-first, allowing businesses to continue selling even when internet connectivity is unreliable. Once the connection returns, transactions automatically synchronize. How nStore Uses Moolre Moolre is the core financial infrastructure that powers payments inside nStore. With Moolre Collections, customers can pay directly through Mobile Money at checkout. The shopkeeper enters the amount, the customer receives a payment prompt, approves the transaction, and the payment is received instantly. Each shop on nStore has its own dedicated wallet, giving every merchant an independent financial identity and transaction history. Through Moolre, nStore enables: Instant Mobile Money collections at checkout. Dedicated merchant wallets for each shop. Automated daily settlement directly to the owner’s Mobile Money account. Digital debt collection by sending payment prompts to customers who owe money. With nStore, a shop owner does not just record a sale, they receive the payment, manage their money, and build a digital financial history. Key Features Complete mobile point-of-sale system Barcode scanning via mobile camera for faster checkout Inventory management and low-stock alerts Profit tracking and sales analytics Customer credit management and reminders End-of-day and business performance reports Offline-first operation with automatic cloud sync SMS notifications and digital receipts Works on any smartphone without additional hardware Who We Serve nStore is built for the small and medium businesses that power Ghana’s everyday economy: Pharmacies and drugstores Provision shops Hardware and building-material stores Retail shops and neighborhood businesses These businesses keep communities running, but many have been left behind by expensive retail technology. The Bigger Vision nStore is more than a point-of-sale application. Every transaction creates a digital footprint for businesses that have historically operated entirely in the cash-based, informal economy. Over time, this transaction history can unlock new opportunities, including access to credit based on real business performance rather than traditional, restrictive requirements. Our vision is to transform every small shop into a connected digital business and create a financial bridge for Ghana’s informal retail economy. nStore. My Store. My Wallet.
467 votes
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