Live in production

The Global
Financial OS

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 → Download on iOS Request API access
54
Markets
17
Financial products
690
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
54 African currencies, GBP, EUR, USD, CAD, AUD, AED, SAR, SGD, JPY, INR, and more — every major global currency, each wallet currency-denominated. Tax withheld at source where applicable. Atomic transactions with full breakdown.
🌟
Behavioral credit scoring
5-signal behavioral model: transaction consistency (0–150), savings discipline (0–120), deposit regularity (0–100), community trust (0–100), KYC identity (0–80). Score range 300–850. Tiers: Bronze, Silver, Gold, Platinum. Computed from actual transaction behaviour — not bureau data.
🌿
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. Agricultural employer Roster activates worker financial identity on first payment.
🎵
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.
🌐
Diaspora sender infrastructure
GBP, EUR, USD, CAD, AUD, AED hard-currency sender wallets. Stripe card funding. Onfido KYC for UK, US, Canadian, Australian, and UAE documents. School fees and health disbursements flow directly to registered institutions — not through family members' hands. Repatriation Cover with Guardrisk underwriting.
👥
Roster — Informal Employer Network
Named contact list for the domestic worker, the mechanic, the caretaker, the farm labour roster. Each payment debits the employer's wallet and activates the worker's financial identity on receipt: MicroPension fires, income pattern logs, credit score begins building. The informal employer becomes the payroll system for the informal economy.
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

12 rails. 62 corridors.
Every major market.

NEXUS routes each transaction through the optimal rail — lowest fee, fastest settlement. African markets via Flutterwave, M-Pesa, MTN MoMo, Paystack, and PAPSS. Gulf and Asia via Airwallex virtual accounts. 62-corridor mobile money payouts via Thunes. Local payment methods in 12 Asian and Middle Eastern countries via dLocal. International card funding via Stripe.

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
Airwallex
AED, SAR, QAR, KWD, SGD, MYR, HKD, JPY, KRW, INR, THB + more
Virtual account collection
Live
Thunes
62 corridors — Africa, Asia, LatAm, Middle East
Mobile wallet payout
Live
dLocal
CN, KR, JP, ID, VN, PH, PK, JO, LB, KZ, BH, OM
Local payment methods
Live
Stripe
195 countries
Card funding
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 / Railway
Prisma ORMPostgreSQL / Neon
Redis + BullMQAsync queues
JWT + OTP authAfrica's Talking SMS
Rate limitingPer-IP, per-route
690 tests93 suites
Web + mobile
Next.js 15App Router
React NativeExpo SDK 54
Server componentsDirect DB reads
httpOnly cookiesJWT auth
USSD channelFeature phones
21 languages21 African languages
Traction

Built.
Tested. Deployed.

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

690
Automated tests passing
54
African markets in regulatory vault
17
Financial products
100+
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 →