Kuunda

Kuunda is a B2B fintech platform that provides tailored liquidity solutions and embedded financing for partners serving agents, MSMEs, merchants, and consumers in emerging economies.

Key capabilities include:

• Hapa Cash for instant, real-time liquidity designed to support productive transactions when users need funds immediately
• Kazi Cash for tailored growth financing that supports entrepreneurs and small businesses at different stages of their business lifecycle
• Embedded financing integration that connects into a partner’s digital ecosystem (payment rails) to launch lending products inside existing customer journeys
• Partnership model and analytics that analyse transactional and behavioural data, identify liquidity requirements, and connect partners with balance sheet providers

Available via APIs for integration into partner payment platforms and digital financial services.

Target users are mobile money operators, banks, fintechs, and payment platforms that want to embed credit into their services, with end beneficiaries including agents, MSMEs, merchants, and consumers.

Notable in African markets for its track record with partners such as M-Pesa (Tanzania), FINCA, and Airtel Africa, and for reported scale of $1 billion in loans distributed across 190 million loans to 6.1 million registered active users in markets including Tanzania, Kenya, Uganda, Malawi, and Mozambique (also operating in Pakistan).