Global financial infrastructure rooted in Africa, built for the world.

Community savings governance. The stokvel still runs the stokvel. NEXUS handles the plumbing — contributions, payouts, cross-border members.

Every group earns a Trust Score built from six signals: contribution consistency, governance participation, obligation completion, financial discipline, member retention, and platform engagement. Motions, votes, and the community constitution are recorded on-ledger as tamper-evident compliance evidence.

Community Trust Score unlocks the Treasury marketplace. A filter-score-rank engine matches each group's declared objective, risk tolerance, and liquidity need against available products — with full explainability on why each product ranked where it did.

One application, multiple insurer bids. Every offer is shown as the insurer issued it, in the order received — NEXUS does not rank, score or recommend. You choose one; the rest are declined.

ZAR, USD, ZWL, MZN. Wallet-to-wallet transfers work today between NEXUS accounts in the same currency. Delivery out to mobile money and bank accounts — Paystack, M-Pesa, MTN MoMo, PAPSS, Thunes — is built and awaiting licensing before it is switched on.

The SA term calendar is hardcoded. NEXUS computes exactly what percentage of each inbound payment to divert so the full fee is ready before term starts. If you're already funded, the rate drops to zero automatically.

A Zimbabwean farmer issues a bond. Investors across Southern Africa subscribe with R500 and a NEXUS account. No broker. No minimum.

Peak trading hours, best customers, most profitable products — the analytical advantage formal retail takes for granted, now for a spaza shop.

Designed: the full NEXUS menu on any handset, no smartphone or data required. Not available — no USSD shortcode has been provisioned with a network, and the channel stays switched off until one is.

Irregular income made predictable. AI smoothing across gig, trade, and informal income streams.

Zimbabwe, Kenya, Nigeria, South Africa, Uganda, Tanzania. Community mandates, monthly contributions, modelled projections. No capital is placed with a counterparty — the products are simulated pending licensing.

2% of each inbound payment diverts to a ring-fenced pension balance before the rest reaches your wallet — that rate is set for you, not chosen by you, and you can change it to anything from 0 to 5% or switch it off entirely. The money moves before it can be spent.

Analyses claim history to compute a risk score and recommended monthly savings rate. Deducts automatically on every inbound credit. Shows coverage ratio: critical / low / building / ready.

Five signals from real transaction behaviour — consistency, savings discipline, deposit regularity, community trust, identity. Bronze, Silver, Gold, Platinum. Computed from what you actually did, not what a bureau says about you.

Designed: a pre-approved advance against your NEXUS credit score, repaid automatically from your next inbound payment. Not available — credit provision requires National Credit Act registration, and it stays switched off until that is resolved.

Recurring cross-border remittance on a schedule. Choose the day, the amount, the rail. NEXUS fires the transfer automatically every month. SMS confirmation. No manual action after setup.

Pulls your actual inbound income from your wallet — the right direction, the right SA fiscal year. Applies your pension balance as an RA deduction. Pre-populates the return. One submission. Idempotent.

KYC certificates, tax submissions, bond certificates, credit history, remittance records — pulled from five sources and assembled in one structured response. Deterministic reference number. Ready for a bank, a regulator, or a landlord.

Pay domestic workers, farm labour, and site workers directly from your wallet. Each payment auto-activates the worker's MicroPension, logs their income pattern, and builds their credit score — all in one transaction. The employer becomes the payroll system for the informal economy.