The financial infrastructure for African markets
Inopay is the open infrastructure layer that connects investors and licensed SGIs to the three exchanges of West Africa, Central Africa and Ghana. Non-custodial by design, portable KYC across SGIs, native mobile-money payment rails. We don't compete against SGIs — we equip them.
Five moats other African investment apps haven't crossed
Existing platforms — Nigerian, Egyptian or pan-African — optimise the surface. Inopay tackles the plumbing nobody wants to build: the part that keeps the market durably open.
Every other app pools your funds into an omnibus account. We never do — flows run straight from the payment rail to the SGI you choose. Architecture published and auditable.
Ed25519-signed attestation, offline-verifiable via /.well-known. Change SGI without redoing six weeks of paperwork.
No other app aggregates positions across multiple SGIs. Inopay does, with revocable consent and chained audit of every access.
Orange Money, Wave, MTN MoMo, Moov Money. No platform has built this plumbing as deeply across UEMOA/CEMAC.
0 FCFA for the investor. 0.15% per routed order for the SGI, all included. No hidden fees, no opaque spread, no surprise on withdrawal.
BRVM, BVMAC and GSE — together for the first time
Access listed equities and bonds of the 15 countries of West and Central Africa, plus Ghana. One Inopay account, one locally licensed SGI per market.
West African Regional Exchange
Equities, bonds and indices of the 8 countries of the West African Monetary Union (CI, SN, BF, ML, TG, BJ, NE, GW).
Central African Stock Exchange
Equities and bonds of the 6 countries of the Central African Economic and Monetary Community, open to diaspora.
Ghana Stock Exchange
Major Ghanaian listings and cedi-denominated bonds, coordinated with locally licensed LDM brokers.
Three principles, zero compromise
We built Inopay around principles that regulation and common sense require: keep investors owning their securities, open the infrastructure to every licensed SGI, and remove repetitive administrative friction.
Non-custodial by design
Inopay never holds investor funds or securities. Flows run directly from the payment rail (CinetPay, Paystack) to the licensed SGI you choose. You stay the owner, always.
Portable inter-SGI KYC
A single identity dossier, cryptographically signed (Ed25519), reusable by every partner SGI with your explicit consent. No more six-week paperwork every time you change broker.
Open to every licensed SGI
Inopay isn't a broker. It's neutral infrastructure that any CREPMF-, COSUMAF- or SEC Ghana-licensed SGI can integrate via our API. More options for investors, more distribution for SGIs.
All your portfolios, one dashboard
Stop juggling between each SGI's portal. Whether your securities accounts are with BNI Finances, Sogebourse, Hudson, NSIA Finance or any other partner SGI, Inopay aggregates everything into a single consolidated view — in real time.
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Consolidated multi-SGI view
Positions, valuations, pending orders, dividends received — all aggregated by market, sector and SGI.
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Unified performance
Total return of your securities savings across the three exchanges, with allocation by asset, currency and country.
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Consolidated tax export
One annual statement covering all your SGIs — usable for tax declarations in France, Belgium or the UK.
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No mirror account
Your securities stay at your SGI. Inopay holds nothing — we only aggregate the view, via each partner SGI's secure API.
One product, two sides
Whether you're an investor in Paris or Cotonou, or an SGI wanting to digitise your distribution, we built the experience for you.
Diaspora & residents
Buy a BRVM share from Paris, a BVMAC bond from Brussels, a GSE stock from London. No endless wire transfers, no three separate accounts, no filing the same paperwork three times.
- Sign-up and KYC in under 10 minutes
- Consolidated multi-SGI portfolio in a single dashboard
- Pay by mobile money, card or local transfer
- Minimum ticket 10,000 FCFA (~€15)
- Free choice of partner SGI for each order
Licensed intermediaries
Receive qualified investor orders without rebuilding your stack. Inopay plugs into your middle-office, provides digital KYC and onboarding, and lets you execute — you remain holder of the account and the client relationship.
- Mutualised KYC, billed per verification
- Standard REST API, HMAC-signed webhooks
- Public sandbox and open documentation
- Consumption and billing dashboard
- No exclusivity, no volume commitment
How your money flows
Your payment never passes through an Inopay account. It flows from the payment rail to the SGI holding your securities account — Inopay is only the middleware that orchestrates execution.
Inopay orchestrates the flow, logs the order and cryptographically seals the attestation — but never holds funds or securities. Read our trust page →
What we're building, openly
We publish our roadmap because partner SGIs and investors deserve to see where the infrastructure they're adopting is heading.
Shipped. Inter-SGI portability, offline verification via /.well-known.
SFTP/API consolidation, revocable OTP consent, tax export FR/BE/UK.
Extending beyond CinetPay/Paystack. Place an order in 30s from mobile money.
Invest in Sonatel from 1,000 FCFA via pooled liquidity. WebSocket quotes for developers.
CEMAC partner SGIs and Ghana LDM brokers, local data, cross-border orders in local currency.
Application for "mutualised KYC infrastructure provider" status — durable regulatory moat.
Ready to open African markets?
Whether you're a diaspora investor, a resident, or a licensed SGI, Inopay gives you the first pan-African infrastructure that is truly open and non-custodial.