What it sells
Neobank (cross-border payments).
Business model breakdown
Buyer: who owns the budget?
UnverifiedIndividual freelancers and employees paid internationally (personal app); finance owners of importers, exporters, agencies and e-commerce firms (Cloud9 Business)
Trigger: what makes them buy now?
Getting paid by international clients and converting/spending across KES, USD, EUR, GBP and stablecoins without slow traditional bank transfers.
Workflow: what inputs become what output?
Open virtual KES/USD/EUR/GBP/CNY accounts, receive client payments or USDT, convert FX, pay out via mobile money, bank, SWIFT/RTGS, spend with virtual/physical VISA cards.
Economics: what it saves and how it charges
UnverifiedNeobank revenue from FX, transfers and card spend (up to 2% cashback offered to users), plus lending/BNPL and wealth products (credit "coming soon").
Distribution: how it reaches customers
Self-serve app download (iOS/Android) and online business-banking signup.
Funding history and coverage
| Round date | Stage | Amount | Investors | Source |
|---|---|---|---|---|
| 2026-10-09 | Pre-seed | $500K | Alliance | news.google.com |
Profiles summarize public reporting and company websites. Business-model notes are MaxBC's reading of that material, not confirmed facts; unknowns are left blank rather than guessed. Updated 2026-10-12.