Fedha za kisasa kwa ajili ya dunia inayoibuka.

Loam husogeza pesa katika nchi 34 na mabara 5 — papo hapo, kwa sehemu ndogo ya gharama za jadi. Mitaji ya kufanya kazi hupata mapato, kadi zinakuwezesha kutumia, na vikwazo vinatolewa.

Jaribu kwa wakati halisi
~5 sec
Average settlement time
24/7
Availability — vs 5 days a week on banking rails
80%
Average saving compared to local competitors
Kutoka kwenye mtandao wetu
Goldman SachsCitadelDeutsche BankTrafiguraGoogleDeepMindSolanaStellar

Loam ni kwa nani

Banks

Loam gives banks instant cross-border settlement and local-currency payout across live corridors, so customers can move money without the bank maintaining a correspondent relationship in every market.

Remittance groups

Remittance operators can keep corridors open around the clock, settle into local currency, and reduce the cost and weekend delays that make emerging-market payout hard to run at scale.

Payroll

Payroll teams can fund once, pay many markets, and keep contractors receiving the currency they use locally without opening and reconciling bank accounts in every country.

Treasury

Treasury teams get one place to hold balances, convert currencies, settle obligations, and keep idle working capital earning yield while it waits for the next payment cycle.

Trade finance houses

Trade finance houses can fund a flow, hold funds against agreed conditions, release payment when both sides deliver, and keep the repayment path visible from origination to settlement.

PSPs

PSPs can add cross-border settlement and local payout through Loam while keeping their existing customer, wallet, and reporting stack intact.

iGaming

iGaming finance teams can settle operator balances and cross-border payouts continuously, including weekends, with every counterparty verified before money moves.

Insurance

Insurance operators can collect premiums, pay claims, and reconcile cross-border flows across markets while keeping counterparties verified and every movement traceable.

Ingiza kupitia benki, toa kupitia benki, na kila kitu katikati.

Payments

Fund from any bank you already use and pay any verified counterparty; they receive their own local currency the same day. No correspondent banks, no weekend hold.

FX

Exchange between currencies near mid-market, with the spread shown up front. The rate you're quoted is the rate you get.

Escrow

Hold funds against agreed conditions and release them automatically once both sides deliver. Built for new counterparties and high-value trades.

Yield

Cash sitting between deals earns daily yield and stays fully redeemable — what a bank account should do, and doesn't.

Private Credit

Finance your receivables to free working capital, so you're not waiting on a buyer to pay before you can pay your supplier.

Usalama na udhibiti ambavyo CFO wako atavipenda.

KYB kwa kila mhusika mwenza

Kila taasisi huthibitishwa kabla ya kuweza kufanya muamala, huku ukaguzi wa vikwazo na rekodi za wahusika wenza zikiwekwa mahali pamoja. Timu za fedha zinaweza kukagua wahusika wenza dhidi ya rekodi thabiti kabla ya fedha kuhamishwa, hivyo kupunguza idadi ya ukaguzi wa mikono uliotawanyika kwenye barua pepe na lahajedwali.

Uhifadhi uliotenganishwa

Fedha zilizo katika uhifadhi unaodhibitiwa hubaki zimetenganishwa, zinafuatilikana, na zinaweza kusawazishwa kikamilifu kuanzia ufadhili hadi malipo. Mwonekano wa uhifadhi umeundwa ili kuweka salio za uendeshaji, mtiririko wa usuluhishaji, na shughuli za malipo zieleweke kwa wakaguzi wa fedha.

Mfuatano kamili wa ukaguzi

Kila kitendo, usuluhishaji, na ankara huwekewa muhuri wa muda na vinaweza kuhamishwa nje, ili fedha ziweze kufuatilia kila takwimu hadi chanzo chake. Rekodi huwapa timu sehemu moja ya kukagua ni nani aliyeidhinisha uhamisho, ulipokamilika, na jinsi ankara inayounga mkono au maagizo ya malipo yanavyohusiana na takwimu ya mwisho.

Customer API

Mfereji wa ukamilishaji wa malipo, unaoweza kuitwa kutoka kwenye stack yako.

Soma miamala, faktura na salio; hamisha fedha hadi maeneo yaliyoruhusiwa. Kila dhamana imechapishwa katika mkataba wa OpenAPI 3.1 na inatekelezwa chini ya safu ya API.

  • Miamala, malipo, hazina, orodha na on-/off-ramps katika mkataba mmoja
  • Idempotency-Key kwa kila uandishi — kurudia hurudisha matokeo ya kwanza
  • Wigo wa fedha unayotolewa kwa uthibitishaji wa ziada, unaoweza kubatilishwa ndani ya kipindi kilichowekwa
Gundua API
POST /api/v1/payments
curl -X POST "$HOST/api/v1/payments" \
  -H "Authorization: Bearer $TOKEN" \
  -H "Idempotency-Key: pay-2026-08-14-0031" \
  -d '{
    "destination_id": "3f0c5f1e-…",
    "amount": 2500000,
    "currency": "USD"
  }'

// Response — 202 Accepted
{
  "id": "8c1d7a52-…",
  "status": "processing",
  "amount": 2500000,
  "currency": "USD"
}

Malipo yamekamilika katika korido zinazoibuka.

Trade-finance repayments, settled across continents.

Trade finance · East Africa → Singapore

A trade-finance fund routes exporter repayments from East Africa to its Singapore desk through Loam — settling in seconds instead of days, hundreds of thousands a month and scaling, with idle balances earning yield between cycles.

  • Settling in seconds instead of days
  • Hundreds of thousands a month and scaling
  • Idle balances earning yield between cycles

Millions in grain — plus the credit to plant the next crop.

Grain · across Southern Africa

A regional grain network settles cross-border trades across the Botswana–South Africa corridor — over $4m to date — and draws on Loam financing to fund the seed and inputs for next season.

  • Cross-border trades across the Botswana-South Africa corridor
  • Over $4m to date
  • Financing for seed and inputs for next season

High-volume payouts across SADC, around the clock.

High-volume payments · across SADC

A telecoms operator runs continuous, high-frequency payments across the region on Loam — dozens of payouts settling instantly, 24/7, at a fraction of bank cost.

  • Continuous, high-frequency payments across the region
  • Dozens of payouts settling instantly, 24/7
  • At a fraction of bank cost
Maswali yanayoulizwa mara kwa mara

Maswali ambayo timu za fedha huuliza kabla ya kuwasilisha.

Bado unahitaji zaidi? Loam itakupeleka kupitia mtiririko wako maalum kwenye simu ya dakika 30.

What does Loam actually do?

Loam moves money across borders in seconds, holds and converts it in multiple currencies, earns yield on idle balances, and can finance your trade — one platform instead of a bank, an FX desk and a lender.

Who's it built for?

Businesses moving money across emerging markets — banks, remittance groups, treasuries, trade finance houses, PSPs, payroll, iGaming and insurance.

How is Loam regulated?

Loam operates under regulated frameworks in South Africa and Kenya, with credit-intermediation licensing in progress and expansion into Zambia, Botswana and the EU. Every counterparty is KYB-verified before they can transact.

What can I hold and settle in?

Major currencies in, with local-currency payout across live corridors.

What does it take to get started?

KYB verification in under a day, then you can fund and settle. No setup fees, no minimums, no lock-ups.

Bado una maswali? Panga maonyesho ya dakika 30

Anza kufanya malipo kwa dakika chache.

Uthibitishaji wa KYB ndani ya chini ya siku moja. Hakuna ada za usanidi. Hakuna viwango vya chini. Hakuna vipindi vya kufungiwa.

Panga simu
Loam Hakimiliki © 2026 Loam.
Panga simu Faragha Masharti Waendelezaji Usalama Hali

Loam is operated by Agridex Limited, company no. 13184186, registered in England and Wales, with registered office at Thomas House, 84 Eccleston Square, London, England, SW1V 1PX

Jaribu moja kwa moja