Pan-African Fintech Series B — Digital Payments Infrastructure Expansion

Requirement

Africa's digital payments market processed over $700B in transactions in 2024, growing at 23% annually — yet cross-border payment infrastructure remains fragmented across 54 currencies, 42 central banking systems, and inconsistent regulatory frameworks that add 3-5 days and 6-8% cost to intra-African transactions. The Pan-African Payment and Settlement System (PAPSS), operational since 2022, provides the interoperability layer, but commercial fintech companies building on top of PAPSS require significant capital to scale the merchant acquisition, compliance infrastructure, and API connectivity that turns the protocol into a business. This Series B opportunity targets $10M–$30M for a pan-African digital payments company with operational infrastructure in minimum five African markets, PAPSS connectivity, regulatory licences in Nigeria and Kenya (the two largest markets), and demonstrable month-on-month transaction volume growth. Use of funds: market expansion to three additional AfCFTA markets, product development for B2B cross-border payment flows, and regulatory licence acquisition in four target markets. The ideal investor is an Africa-focused fintech fund, growth-stage impact investor, or strategic corporate with payments infrastructure interest — telecoms companies, banks, or international payment networks seeking African distribution. Co-investment welcome; the company is open to a consortium of three to four investors at this stage. The lead investor should bring at minimum one board seat with payments or African market operational expertise. AfroSynergy structures this through the Investment Deal template at Enhanced verification. Deal room includes audited financials, regulatory licence portfolio, PAPSS integration documentation, and board composition. Co-investment structure available for multiple investors sharing the round. PAPSS processed $2.1B in intra-African transactions in 2025 — up from $340M in 2023. The fintech companies building the commercial layer on top of PAPSS in 2026 are positioned to capture the exponential volume growth as AfCFTA trade corridors activate and intra-African B2B payment flows scale. Series C will target PAPSS-adjacent infrastructure in North Africa and Francophone West Africa, making Series B the last entry point at current valuations. Express interest to access the deal room with pitch deck, audited financials, and transaction volume data.