Invest back home from Paris, Brussels or London
No more blocked international wires. No more paperwork sent by DHL. No more 6-week wait to open a securities account. Inopay connects you to BRVM, BVMAC and GSE via the licensed SGI of your choice — in under 10 minutes.
Three diaspora profiles, one shared need
Whether you already send money to family, hesitate about the reliability of local financial circuits, or simply want to diversify your savings towards Africa — Inopay is built for you.
Amadou, Paris
"I want to invest on BRVM just like I would on Euronext. No way I'm flying back to Dakar just to sign papers."
Their journey: creates an Inopay account on Sunday, completes the KYC from an iPhone, buys 10 SONATEL shares with an Ivorian SGI on Tuesday. All from Courbevoie.
Fatou, Bruxelles
"I send 325,000 FCFA a month to my parents. I'd like another €100 to really work, not sit on a 0.5% savings account."
Their journey: sets up a recurring buy order on a UMOA-Titres bond. Every month, CinetPay debits the Belgian card, the SGI executes, coupons appear on Inopay.
Kwame, Londres
"I want exposure to Ghanaian growth stocks and UMOA bonds in the same account. I don't want to manage three relationships with three brokers."
Their journey: opens a position on MTN Ghana via a licensed LDM broker, then diversifies into BRVM via an Ivorian SGI — all positions consolidated in the Inopay portal.
What was blocking the diaspora until now
African financial markets are not closed to EU or UK residents — they're just inaccessible in practice. Inopay solves every friction, one by one.
- Fly physically to Abidjan or Dakar to open a securities account
- Send certified ID documents by DHL registered mail
- Wait 4 to 8 weeks for the SGI KYC green light
- International SWIFT wire: bank fees, 3–5 day delay, frequent rejections
- Place every order by phone or email with an SGI adviser
- No consolidated view if you use multiple SGIs
- 100% online sign-up from your living room
- Unified KYC in under 10 minutes, AI + human validation within 24 h
- Pay by mobile money, card or local transfer — zero SWIFT fees
- Minimum ticket 10,000 FCFA (~€15), accessible even for testing
- Orders placed from the portal, executed by the licensed SGI
- Consolidated multi-SGI portal, unified performance
From sign-up to first order in 10 minutes
A single funnel regardless of the exchange you target. The SGI and the payment rail adapt to your country of residence and the instrument you choose.
Sign-up
Email + password or Google. Under 2 minutes.
Unified KYC
ID document, selfie, proof of address. AI + human review.
Choose SGI
Select the licensed SGI that will hold your securities account.
Pick instrument
Stock, bond, index — on BRVM, BVMAC or GSE.
Payment
Mobile money, card, local transfer. No SWIFT.
Confirmation
The SGI executes the order. Position visible in your portal.
Pay with the rails you already know
Inopay spares you the international SWIFT wire. Your payment flows directly from the licensed rail to the SGI — Inopay never holds your funds.
Mobile money
Orange Money, MTN, Moov, Wave — all UEMOA and CEMAC operators. Direct debit from your African mobile money number or via a European-issued card.
Bank card
Visa et Mastercard acceptées, quel que soit le pays d'émission. Payment en euros, livres ou FCFA — conversion transparente au taux interbancaire, pas de commission cachée.
Local transfer
For larger tickets, local transfer to your SGI's account. Paystack runs the Ghana rail, CinetPay runs the UEMOA and CEMAC rails. Inopay is never custodian.
BRVM, BVMAC, GSE — from the same account
One KYC, one login, and access to the three exchanges of West Africa, Central Africa and Ghana. Each order goes to the SGI you pick for that market.
Stocks and bonds of the 8 UEMOA countries (CI, SN, BF, ML, TG, BJ, NE, GW). Regulated by CREPMF. Most Inopay partner SGIs cover this market.
Stocks and bonds of the 6 CEMAC countries (CM, GA, TD, CF, GQ, CG). Regulated by COSUMAF. A growing market, targeted by the Central African diaspora.
Major Ghanaian listings (MTN Ghana, Tullow, Ecobank...), cedi-denominated bonds. Access via SEC Ghana-licensed LDM brokers.
Your funds and securities never sit with us
Inopay is SGI-agnostic and non-custodial: your money flows directly from the payment rail to your SGI, which alone holds your securities.
Non-custodial
Inopay holds no funds, no securities
Full reversibility
Close your account whenever you want
End-to-end encryption
TLS 1.3 and AES-256-GCM
CREPMF · COSUMAF · SEC
Licensed partner SGIs
Questions specific to investing from abroad
Do I need Ivorian, Senegalese, Gabonese… nationality to invest?
No. BRVM, BVMAC and GSE are open to foreign residents. What matters is KYC compliance and your home country's tax rules. Inopay supports you on both.
What are the tax implications in France / Belgium / UK?
Your dividends and capital gains are taxable in your country of residence. Inopay provides a consolidated annual tax statement in IFU (France), TOB (Belgium) or HMRC (UK) format. Bilateral tax treaties prevent double taxation with UEMOA, CEMAC and Ghana — in most cases a withholding tax is applied locally and creditable in your home country.
How does euro → FCFA conversion work?
If you pay in euros (card or transfer), conversion is done at the interbank rate by CinetPay or your bank. Inopay takes no FX commission. The FCFA is pegged to the euro (fixed peg €1 = 655.957 FCFA since 1999), so you don't bear any volatility. For the Ghanaian cedi, the rate is floating — check Paystack for today's rate.
How long to receive funds if I sell?
Market order execution: 1 to 2 business days. Settlement (T+3 for BRVM equities) then cash repatriation to your payment rail: 3 to 7 additional days depending on the SGI and your destination bank. To shorten this, prefer mobile money.
Can I repatriate my capital whenever I want?
Yes. UEMOA/CEMAC exchange rules allow free repatriation of foreign investments (investment code). For Ghana, a declaration procedure may be required above certain thresholds. Inopay guides you through the process.
What happens if my SGI goes bankrupt?
Your securities are recorded at the DC/BR (Central Depositary / Settlement Bank of BRVM) in your name, not in the SGI's name. If an SGI fails, your securities remain your property and are transferable to another licensed SGI. CREPMF oversees the orderly functioning of the market.
Does Inopay take a commission on my orders?
No, no hidden commission on the investor side. Execution fees are your SGI's (AMF-UMOA / COSUMAF / SEC Ghana schedule) and payment fees are CinetPay or Paystack's. Inopay is 100% free for the investor. No paid plan, no subscription, forever.
Can I invest on behalf of parents still in-country?
Every investor needs their own KYC. You cannot invest in someone else's name, but you can help a parent create their own Inopay account — it takes 10 minutes. The 10,000 FCFA minimum ticket makes access realistic even for a local first-time investor.
Ready to bring your savings home?
Sign-up gratuite, sans engagement, KYC en moins de 10 minutes. Votre premier ordre peut être passé le jour même.