A diaspora distribution channel you don't have today
Inopay doesn't compete with your SGI — we bring you the orders you wouldn't capture alone: francophone diaspora from Paris/Brussels/Toronto, mobile-money retail, multi-SGI consolidated investors. You remain holder of the accounts, the client relationship and the execution margin.
What your middle-office can't build alone
Let's be direct: you can build your own KYC, your own app, your own portal. The real question isn't "who does it better" — it's "which battle can't be won alone?"
Acquire the francophone diaspora
Paris, Brussels, London, Toronto, Montréal: a solvent UEMOA+CEMAC market addressable in French, served today by no app. Nigerian apps (Bamboo, Risevest) are anglophone/US-centric. MENA apps (Thndr) ignore sub-Saharan Africa. Digital acquisition cost your SGI can't bear alone — we mutualise it.
Leverage KYC portability
An investor KYC'd at a partner SGI arrives at yours pre-qualified in minutes, with explicit consent. The larger the ecosystem grows, the more multi-SGI clients you receive without redoing the dossier. A moat no SGI can build alone.
Resist custodial fintechs
Pan-African players are building custodial apps that capture retail investors without you, stacking fees (up to 18% cumulative flagged by users). Inopay is the neutral alternative that keeps the client relationship at your SGI, with transparent pricing and cryptographic audit.
Digital modernisation is too expensive for each isolated SGI
Every licensed SGI on BRVM, BVMAC or GSE faces the same digitisation challenges. Inopay mutualises the infrastructure so you no longer have to build alone.
Without Inopay
- Build a client portal in-house: 12 to 24 months of development
- Develop AI KYC, OCR, PEP screening: 130M to 260M FCFA investment
- Integrate CinetPay, Paystack, bank transfers by hand
- Every new diaspora client redoes 6 weeks of paper KYC
- No digital acquisition channel for the EU/UK diaspora
With Inopay
- Integration in 45 days, with dedicated hotline for 30 days
- Mutualised KYC billed per verification (from 1,000 FCFA)
- Pre-integrated payment rails (CinetPay, Paystack)
- Cross-SGI portability: investors validated elsewhere arrive pre-qualified
- Inopay platform visibility: diaspora clients find you
5 infrastructure bricks, one API
You pick what you consume. Each brick is billed per use — no commitment, no volume floor.
Unified & portable KYC
AI document verification, PEP screening, anti-fraud scoring, Ed25519-signed attestation. Portable across SGIs with the investor's explicit consent.
Standardised order API
REST endpoints /v1/orders, /v1/clients, /v1/portfolio. HMAC-SHA256 webhooks, public sandbox, OpenAPI 3.1.
Integrated payment rails
CinetPay for UEMOA/CEMAC, Paystack for Ghana, international bank transfers. You receive funds directly — we never act as custodian.
Unified investor portal
Your clients see their portfolio at your SGI AND at other partner SGIs they use — but they stay on Inopay to place orders with you. Stronger engagement.
Dashboard & reporting
KYC consumption, order volume, conversion, projected billing. CSV export for your middle-office and your CREPMF reports.
Diaspora acquisition channel
Investors in Paris, Brussels, London, Toronto who open an Inopay account can choose your SGI. You gain a qualified pipeline you didn't have before.
From first call to production in 45 days
A clear framework, deliverables at each sprint, a dedicated hotline during go-live. You always know what's happening and when.
Scoping call
45 min to understand your needs, volumes, scope. No commitment.
Pilot agreement
Binding one-pager, −50 % preferential tariff for 6 months, clear exit clauses.
Technical integration
3 × 1-hour sessions (design, tech, UAT). Sandbox & API keys delivered within 48 h.
Supervised go-live
30-day WhatsApp hotline. 10 KYC/day in week 1, then progressive cap lift.
Per-transaction billing, no subscription
You pay only what is consumed. No minimum volume, no exclusivity, no hidden markup.
Everything an SGI wants to know before signing
Is Inopay a competitor to SGIs?
No. Inopay is not licensed as an SGI and never will be. We are B2B infrastructure that connects investors to licensed SGIs. You remain holder of the securities accounts, the orders and the client relationship. We receive no execution commission — we bill only for infrastructure usage.
Do my existing clients see other SGIs?
Your clients only see SGIs they are clients of and for which they gave explicit consent. The portal aggregates their positions but does not push them to switch SGI. Every order placement happens at the originating SGI.
What if our teams don't want to share KYC with other SGIs?
KYC portability is always investor-initiated, not SGI-initiated. Your KYCs remain private by default. Another SGI can only consult them after investor OTP, and every consultation is logged (cryptographically signed audit trail, 5-year retention).
Who is liable for KYC fraud?
Final validation liability remains with you (licensed SGI). Inopay provides AI pre-qualification with < 0.1 % false-negative rate in standard conditions, and the signed audit trail is admissible in court. Our contractual commitments are documented in the pilot agreement.
How long to go-live?
45 days on standard, from pilot agreement signature to first production KYCs. Some highly digital SGIs can reach 30 days. The bottleneck is typically your compliance team's internal review.
What if we want to exit before 12 months?
90 days' notice, no penalty. Full data return within 30 days. Definitive deletion within 90 days, save for legal retention. Read-only audit trail access maintained for 5 years (anticipated CREPMF requirement).
Do you plan a CREPMF licence?
Yes. We will file a "mutualised KYC service provider" licence application with CREPMF within 18 months of commercial launch, to secure our model long-term. Partner SGIs will be kept informed of progress.
How do you position against pan-African custodial apps?
Pan-African custodial apps (often based in the US or Dubai) capture investors onto their own omnibus account and treat SGIs as mere execution venues. We do the opposite: neutral infrastructure, non-custodial, SGIs holding the relationship. Our model is B2B2C — you distribute through us, you keep the execution margin and the client relationship. We never charge the end investor.
What about BVMAC and GSE?
BRVM is our anchor market (production 2026). BVMAC (CEMAC) and GSE (Ghana) are planned for H2 2027 with local partners (BGFIBank Gabon, Afriland Central Africa, SEC-Ghana licensed LDM brokers under discussion). SGIs that pioneer these zones benefit from reference positioning and exceptional pricing for 36 months.
Ready to distribute digitally?
A 45-minute call to assess your context, no commitment. If the fit is right, pilot agreement signable the following week.