---
title: "Flood Finance: In-App Marketplace"
description: "Embed a hyperlocal marketplace in South Africa in telco/banking apps: auto SME onboarding (e-KYB), payments, wallets, loyalty, orders & inventory."
canonical_url: "https://liners.com/flood-finance"
markdown_url: "https://liners.com/flood-finance.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/flood-finance/screenshot.webp?v=1784576125922"
published_at: "2026-07-20T19:35:33.642Z"
updated_at: "2026-09-11T03:00:39.433Z"
---

# Flood Finance: In-App Marketplace

Embed a hyperlocal marketplace in South Africa in telco/banking apps: auto SME onboarding (e-KYB), payments, wallets, loyalty, orders & inventory.

## Breadcrumbs

- [E-commerce & Retail](/categories/e-commerce-retail)
- [Flood Finance](/flood-finance)

## Summary

Embed a local marketplace inside telco and banking apps

A plug-and-play super-app commerce layer that helps telcos, banks, and large platforms add hyperlocal discovery, merchant onboarding, and payments for SMEs and consumers.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.flood.finance/ |
| Tagline | Embed a local marketplace inside telco and banking apps |
| Primary country | South Africa |
| Platforms | Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Flood Finance is a **super-app-as-a-service commerce platform** for **telcos, banks, MVNOs, and other large-audience apps** that want to embed an in-app marketplace connecting consumers to nearby merchants.

Key capabilities include:

- **Plug-and-play marketplace layer** that integrates into existing self-care and customer apps, so users can discover local retailers, service providers, deals, and nearby stores without the platform building a marketplace from scratch.
- **Automated SME onboarding** with a DIY self-registration flow and **e-KYB processing**, designed to bring informal and small businesses online and make their stores and products discoverable.
- **Merchant dashboard** for day-to-day operations, including **inventory and order management**, payment collection, revenue overview, and last-mile configuration for **doorstep delivery or store pickup**.
- **Hyperlocal discovery and engagement** using geo-targeted offers and AI-enabled seller ads, with omni-channel outreach via **web, mobile app surfaces, push notifications, SMS, and WhatsApp**.
- **Payments, wallets, and loyalty** features such as payment gateway integrations, closed-loop wallets, tiered loyalty, referrals, coupons, and cashback.
- **Single sign-on (SSO)** to give end users one identity across interfaces (web, app, tablets) and across participating providers.

Available on **Web** (product and web-based interfaces referenced); the platform is described as **API-driven** for integration into existing apps.

Target users include **telcos, banks, neo-banks, and enterprises** deploying embedded commerce, plus **SMEs and brick-and-mortar retailers** using the merchant tools, and **consumers** searching and buying locally.

Notable in emerging-market contexts (including African markets), the platform focuses on turning everyday app engagement into **in-store and offline transactions** via hyperlocal offers, and it reports scale metrics on its site such as **$400M GMV**, **14M transactions**, and **8,000+ merchants onboarded in 3 months**.

## Features

- [E-commerce & Retail](/categories/e-commerce-retail): Category
- [B2B2C](/tags/b2b2c): Product feature or technology
- [Inventory Management](/tags/inventory-management): Product feature or technology
- [Loyalty & Rewards](/tags/loyalty-rewards): Product feature or technology
- [Marketplace](/tags/marketplace): Product feature or technology
- [Online Store](/tags/online-store): Product feature or technology
- [Order Management](/tags/order-management): Product feature or technology
- [South Africa](/countries/south-africa): Market

## Related pages

- [Alternatives](/flood-finance/alternatives)
- [Reviews](/flood-finance/reviews)
- [Transparency](/flood-finance/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/flood-finance)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)