Xchange box

XchangeBox is a fintech platform that provides trade finance, community lending, and digital banking infrastructure for underserved communities in Nigeria, supporting value chains from farms to factories and partner financial institutions.

Key capabilities include:

• Invoice-backed trade finance that converts receivables into liquidity, with automated credit scoring, supply chain tracking, and real-time settlement to reduce long payment cycles.
• Community lending via trust circles with flexible repayment terms and financial literacy support, designed for group-based access to credit (including women-led programs).
• Digital banking infrastructure for microfinance operations, including a core banking system, loan management, and compliance tools.
• Payrep payments services for withdrawals, deposits, and POS terminals, supporting day-to-day transaction flows for partners and their customers.

Available on Web.

Target users include businesses, factories, farmers, MSMEs, women’s groups, and microfinance institutions, typically accessed through aggregators and partner networks.

Notable in Nigeria’s fintech and agriculture ecosystem for enabling measurable trade and inclusion outcomes, including 5,000+ trade cycles financed, 1,000+ partners, activity across multiple Nigerian states, and public participation in initiatives and events such as . For partnerships and enquiries, contact .