Orivo Pay bridges 50M+ Mobile Money wallets (MTN MoMo, M-Pesa, Airtel Money), regional banking networks, and instant multi-currency virtual cards into a single high-velocity financial OS.
Over 300 million people across East Africa share intense trade, remittance, and digital commerce corridors, yet traditional infrastructure creates massive friction.
MTN MoMo, M-Pesa, and Airtel Money operate in isolated national silos. Senders are forced into black-market forex bureaus or expensive bank wires that take days.
African debit cards frequently fail on international SaaS, advertising (Meta/Google), and global platforms. Creators and SMEs are starved of instant USD liquidity.
East Africans in the UK, US, Canada, and GCC send billions home yearly through slow legacy agents charging $10–$25 per transaction.
Orivo Pay operates on a Freemium & Usage-Based Monetization Model. We align our growth with our users by offering zero-fee core peer-to-peer (P2P) transfers, while monetizing value-added financial transactions, utility services, card issuance, and investment features.
$0 fee for all internal transfers between Orivo Pay users using their Orivo ID. This lowers friction, boosts viral adoption, and retains liquidity within the ecosystem.
Recurring subscriber access combined with physical card issuance and global merchant interchange:
High-velocity everyday household payments driving steady transaction margin and platform engagement:
Internal liquidity desk offering seamless on-ramp/off-ramp and digital asset swaps:
| Revenue Stream | Customer Pricing | Volume Driver |
|---|---|---|
| Orivo P2P Transfer VIRAL CORE | Free ($0.00) | Unlimited |
| Virtual Card | $1.00 / month | Recurring |
| Physical Card | $3.00 one-time | Per Request |
| Crypto Trading | 1% – 2% per trade | Per Transaction |
| Bill Payments | Flat fee / Biller commission | Per Settlement |
Phased roll-out across Uganda, Kenya, Tanzania, and Rwanda.
We are accepting allocations for our Pre-Seed round. Reach out directly to discuss term sheets, unit economics, and our pilot deployment.
Direct submission to our Supabase investor intake database.
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Have questions about our Pre-Seed round, liquidity infrastructure, or partnership? Connect directly with our founding team.
Direct founder communication. We review and respond to inquiries promptly.
Request our 5-year financial forecast, unit economics, and corridor margin models directly from the founder.
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Request our concise 2-page executive summary covering market opportunity, technology architecture, and traction.
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Request our regulatory compliance architecture, cross-border payment licensing matrix, and sponsor bank integration frameworks.
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