Live in production

The Financial OS
for Africa

NEXUS is an AI-native financial operating system serving the farmer, gig worker, burial society, creator, diaspora, trader, and business — simultaneously, from one platform. It asks who you are and explains exactly what it does for you.

Open NEXUS → Request API access
54
Markets
13
Investment funds
132
Tests passing
0%
US withholding tax for SA creators
The problem

Africa has 1.4 billion people
and a financial system built for none of them

Informal traders cannot get credit. Gig workers have no pension. Creators lose 24% of earnings to US withholding tax. Burial societies manage billions in savings with spreadsheets. NEXUS fixes all of this from one platform.

57%
of Sub-Saharan Africa is unbanked or underbanked — with no access to credit, insurance, or investment products
$180B
African fintech opportunity by 2025 — fragmented across 54 markets, 40+ currencies, and dozens of regulatory regimes
24%
default US withholding tax on African creator royalties from Spotify, YouTube, and Apple Music — eliminated by NEXUS W-8BEN automation
The platform

One OS.
Every financial need.

NEXUS is not a payments app. It is a financial operating system — each pillar is a complete product that also feeds data into every other pillar.

💳
Multi-currency wallet engine
ZAR, ZWG, NGN, GHS, KES — each wallet currency-denominated. Tax withheld at source (IMTT 2% Zimbabwe, E-Levy 1.5% Ghana). Atomic transactions with full breakdown.
🌟
ML credit scoring
6-factor model: transaction consistency, stock cycle velocity, cashflow seasonality, repayment behaviour, network vouching, supplier relationship age. Score gates credit products automatically.
🌿
Agri & gig finance
Land-size agri credit scoring with insurance multiplier. Gig platform API — Bolt, Uber, Chowdeck send payouts to NEXUS with automatic pension deduction and income smoothing.
🎵
Creator economy
W-8BEN auto-filing for SA-US DTA Article 12 — 0% royalty withholding. SARS FX conversion at prescribed rates. Royalty advance against 3-month average. AURA X integration.
👪
Mukando & burial societies
Group vault with quorum controls. JSE ETF yield simulation on idle savings. Ubuntu Shield insurance. Cross-border burial repatriation via MUKURU with 5-step logistics plan.
☀
Green & health finance
Solar finance — 80% financed, repayment from energy savings. Green SME credit with carbon score discount (18% → 6%). HealthVault emergency credit at 0% interest.
📌
Merchant OS
Full merchant point-of-sale for 55+ business categories. Web POS with QR receipts, USSD POS via *384*7149# for feature phones, inventory management, 14-day analytics, and Claude-powered AI business intelligence reports.
📈
Group investment
Stokvel and burial society groups invest pooled savings in 13 African funds across 6 markets — Old Mutual ZW, Fahari Capital KE, Coronation SA, and more. Monthly compound return simulation. Quorum-controlled withdrawals. SIMULATING today, LIVE on regulatory partnership.
Feature phone access

NEXUS works on
any phone.

Dial *384*7149# from any handset — no smartphone, no internet, no app download required. Merchants receive payments, check inventory, and view today's sales entirely over USSD. Users check balances, send money, and join mukando groups the same way. Most African fintechs are smartphone-only. NEXUS is not.

📱
*384*7149#
Dial from any phone
Payment rails

8 corridors.
Every major African market.

NEXUS routes each transaction through the optimal rail — lowest fee, fastest settlement. AI FX optimiser selects between MUKURU, PAPSS, Flutterwave, M-Pesa, MTN MoMo, Circle USDC, and SWIFT automatically.

Rail
Markets
Method
Status
Paystack
South Africa
Card, EFT, webhook
Live
Flutterwave
NG, GH, KE, ZA
Card, bank transfer
Live
M-Pesa
Kenya
STK push
Live
MTN MoMo
GH, UG, ZM
Mobile money
Live
Circle USDC
Cross-border
Stablecoin
Live
MUKURU
ZW → ZA corridor
Repatriation
Live
PAPSS
Intra-Africa
Pan-African settlement
Live
AT USSD
All markets
Feature phone channel
Live
Compliance

Built-in compliance.
Not bolted on.

Every transaction runs through a compliance stack before it settles. KYC tiers gate product access. AML thresholds are per-country from the 54-market regulatory vault.

OFAC Sanctions Screening
Fast-fuzzy SDN matching on every counterparty name. HIGH/MEDIUM/LOW confidence scoring. Auto-creates compliance alert on BLOCK.
Transaction Tax Engine
IMTT 2% Zimbabwe, E-Levy 1.5% Ghana, Nigeria electronic levy — withheld at source, logged per transaction.
STR Filing
Suspicious transaction reporting with 48-hour SLA queue via BullMQ. PENDING_REVIEW → RESOLVED workflow with disposition types.
KYC Level System
Level 0 (phone only), Level 1 (SA ID / passport, 13-digit validation), Level 2 (enhanced). Product access gates on KYC level.
W-8BEN Auto-filing
SA-US DTA Article 12 — 0% withholding on royalties. Auto-generates pre-filled W-8BEN for YouTube, Spotify, Apple Music, Patreon.
54-Market Regulatory Vault
Per-country KYC requirements, AML thresholds, transaction limits, tax rules, and payment rails for all 54 AU member states.
Architecture

AI-native from the ground up.

Not a wrapper around existing APIs. Every layer — credit scoring, FX routing, income smoothing, sanctions screening — is built as a first-class service with its own test suite.

API layer
Express + TypeScriptPort 3002
Prisma ORMPostgreSQL / Neon
Redis + BullMQAsync queues
JWT + OTP authAfrica's Talking SMS
Rate limitingPer-IP, per-route
132 tests40+ suites
Web + mobile
Next.js 15App Router
React NativeExpo SDK 54
Server componentsDirect DB reads
httpOnly cookiesJWT auth
USSD channelFeature phones
5 languagesen zu sn yo sw
Traction

Built.
Tested. Deployed.

Not a slide deck. Every number below corresponds to a passing test, a live endpoint, or a deployed service.

132
Automated tests passing
54
African markets in regulatory vault
13
Investment funds across 6 markets
69
Jobs shipped across 6 phases
3
Live clients — web, mobile, USSD
0%
Withholding tax for SA creators via DTA
Get started

Three ways
to work with NEXUS

For investors
Due diligence
Access the full technical architecture, test suite results, regulatory compliance documentation, and financial model. Request a deck and live demo walkthrough.
Request deck →
For integration partners
API access
Gig platforms, burial societies, creator platforms, and fintechs can embed NEXUS financial infrastructure via the B2B API. Webhook-based, API key authenticated.
Request API key →
For users
Open the app
Multi-currency wallet, credit scoring, group savings, insurance, pension, and more. Sign up with your phone number — no bank account required.
Open NEXUS →