Kredete

Kredete is a unified financial infrastructure for individuals, businesses and enterprises, and banks and fintechs that need cross-border accounts, payments, cards, and stablecoin-enabled rails.

Key capabilities include:

• Consumer money movement and financial tools: send money to 50+ countries, hold balances to save, spend with cards accepted in 150+ countries, and build credit through everyday financial activity.
• Business and enterprise treasury and spend control: multi-currency accounts (USD, EUR, GBP, NGN, and 10+ more), global payouts via SWIFT, SEPA, ACH, and local rails in 50+ countries, plus collections through invoicing and payment links; includes corporate cards, approval workflows, and ERP sync.
• Bank and fintech APIs: fiat ↔ stablecoin orchestration, virtual IBANs and US accounts, embedded wallets (custodial and non-custodial), global payouts to 50+ countries, local collection, and built-in AML, sanctions screening, and travel rule capabilities.
• Security and compliance controls: SOC 2 Type II certification, real-time fraud monitoring, audit trails, role-based access, and operation across 40+ jurisdictions via licenses and banking partnerships.

Available via Android, iOS, and APIs (developer docs available).

Target users include global immigrants managing cross-border finances, finance teams running multi-country operations, and banks/fintechs embedding payments, wallets, and cards into their products.

Notable for its coverage across 50+ countries and support for local payout networks (including SWIFT/SEPA/ACH and local rails), with scale claims of $5.7B+ processed annually, 3M+ users, and 4k+ enterprises, relevant for African-facing cross-border payouts and collections.