The Story

Catalyst Africa

Building financial identity for African traders. Doing your business is the proof.

Amara

Johannesburg, South Africa

Wholesale trader with 8 years in business cannot get a business loan.

Chidinma

Lagos, Nigeria

Invoice 90 days overdue means she cannot restock and her business stalls.

Grace

Nairobi, Kenya

Produce farmer whose crops are sold below value because she has no direct buyer access.

"The bank said no — not because I am not good enough, but because I have no record."

The Problem

No business records

Every transaction happens in cash, nothing is tracked, and no bank can see the business exists.

No credit history

No records means no credit trail, no credit trail means no capital, and the cycle never breaks.

No cross-border trust

Two businesses in different countries cannot verify each other, so the deal never happens.

The Solution

Catalyst Africa is an on-chain-powered ecosystem that turns every business transaction into a verifiable on-chain record, and that record can unlock capital, which is how businesses scale.

South Africa — 3.5M SMEs — Launching FirstNigeria — 39.6M SMEs — Expanding to LagosKenya — 7.5M SMEs — Expanding to Nairobi$1.1 Trillion in combined commercial paymentsSouth Africa — 3.5M SMEs — Launching FirstNigeria — 39.6M SMEs — Expanding to LagosKenya — 7.5M SMEs — Expanding to Nairobi$1.1 Trillion in combined commercial payments

Markets

Three markets, 52 million SMEs — R2.5M gets us live in all three.

South Africa — Launch first

Johannesburg

SMEs3.5M

Commercial payments/year$594B

GDP from SMEs34%

Home market with FSCA regulatory clarity, strong fintech infrastructure, and first to launch.

Nigeria — Expand to Lagos

Lagos

SMEs39.6M

Commercial payments/year$425B

GDP from SMEs48%

Africa's largest SME market. 96% of all businesses are SMEs. Massive fintech adoption already proven.

Kenya — Expand to Nairobi

Nairobi

SMEs7.5M

Commercial payments/year$80B

Jobs from SMEs93%

M-Pesa proved Africa adopts mobile finance at scale. The infrastructure mindset is already there.

$1.1 trillion in combined commercial payments. 52 million SMEs who currently have no on-chain identity, no credit record, and no way to scale. That is the market R2.5M unlocks.

How It Works

Using Catalyst Africa is the proof.

Every time a business buys, sells or trades on Catalyst Africa, they automatically build a verifiable on-chain record. That record earns rewards. That record unlocks capital. That is how businesses scale.

1Day 1

Join the ecosystem

Download the app. Buy CAFR tokens. Your business wallet is created and your financial identity starts building from your very first transaction.

2Ongoing

Buy, sell, trade

Use CAFR to pay suppliers, settle invoices and trade with verified businesses. Every transaction is recorded on-chain and earns reward tokens automatically.

33 Months

Build your record

3 months of activity creates a provable track record any lender or business partner can verify instantly. No banks. No paperwork. No waiting.

4The Goal

Scale your business

Your record qualifies you for microloans, supply chain finance and cross-border trade deals. You scale. That is the whole point.

Join Our Growing Community

Connect with businesses, investors, and individuals across Africa who are building the future of finance and digital services with Catalyst Africa token.

Join Our Community