What is Graph and how does it work?

Graph is a financial platform for businesses in emerging markets, especially Africa, offering multi-currency accounts to hold, send, and convert funds like USD and NGN seamlessly. It works by providing cross-border payments, instant local payouts, FX conversion at transparent rates, and real-time transaction tracking, all in one secure platform.

What countries does Graph operate in?

Graph Finance facilitates global payments for businesses across Africa, supporting transactions in over 12 African nations, including South Africa, Egypt, Kenya, and Ghana, while holding an International Money Transfer Operator (IMTO) license from the Central Bank of Nigeria.

Does Graph have a mobile app?

Yes, Graph has a mobile app available on Android via Google Play and iOS via App Store.

Who is Graph best suited for?

Graph is best suited for exporters, tech startups, remote-first companies, agencies, and freelancers working with global clients.

Does Graph have a plan for teams or businesses?

Yes, Graph offers multi-currency business accounts designed for teams and businesses.

Does Graph offer an API or integrations?

Yes, Graph offers a public API. View the official Graph API documentation for endpoints, authentication, and integration guides.

Graph

🌍 Pan-African

A business payments platform for African companies to hold and convert multiple currencies, send cross-border transfers, make local payouts, and collect payments via links.

Use it on:Web Android· 3.9 iOS· 5.0 API

Is Graph right for you?

Best for

African businesses
Cross-border suppliers
Remote-first teams
Multi-currency operations
Bulk payouts teams

What it does well

Multi-currency accounts
Currency conversion
Cross-border transfers
Local payouts
Payment links

Things to check

Supported currencies
Stablecoin availability
Virtual card limits
Payout countries
Transfer settlement time

Graph Finance is a global payments and multi-currency account platform for businesses, built for African companies that need to hold, send, and convert money across borders.

Key capabilities include:

Multi-currency wallets to hold and manage funds in currencies such as USD and NGN within one account
Cross-border payments for paying international suppliers and partners, plus local payouts to bank accounts in Nigeria and other supported countries
FX conversion with transparent rates and fast settlement for converting between supported currencies
Collections tools such as payment links for receiving client payments without custom code, and virtual USD cards for online purchases and subscriptions

Available on Web, iOS, and Android, with an API reference.

It targets B2B users, including exporters, tech startups, and remote-first teams managing international expenses and receipts.

Notable in the African market context, it focuses on practical cross-border finance workflows, including USD access, local NGN operations, and tools for paying teams or suppliers while tracking activity in real time. It is developed by METAOVAL INC.

As of Jun 22, 2026, Graph is rated 5.0 on the App Store from 3 reviews and 3.9 on Google Play from 12 reviews with 10K+ installs.

Social Links:

Categories:

Developer Tools & Cloud Fintech

Features & Business Model: