Agricultural services financing platform connecting farmers, service providers and buyers. Services are provided on credit, repayment is made after harvest and sale, with tracking via WhatsApp, geospatial data and risk assessment tools.
Main Strengths:
• Pilot already deployed in four districts of South-West Cameroon.
• 40 farmers, 20 producer organisations and 15 cooperatives declared.
• Declared partnership with Ntarikon Cooperative Credit Union and Proto 2025 financing of 2.5 million FCFA.
• Quantified budget of the endowment and relatively precise 12-month objectives.
Reservations and risks to be investigated
• Verify the reality and legal scope of the partnership with Ntarikon Cooperative Credit Union.
• Clarify who bears the credit risk, who advances the funds and who owns the sales proceeds.
• Document mechanisms for in-kind reimbursement, crop aggregation, and revenue sharing.
• Justify projections of higher incomes, lower food prices and the target repayment rate.

B2B infrastructure for asset management companies to digitize the investor journey: KYC, profiling, product discovery, financial education, subscription, payment and portfolio monitoring.
Main strengths
• Consistent B2B positioning that leaves regulated activities to management companies.
• MVP declared functional and tested by 30 users.
• Team announced as multidisciplinary, with a compliance manager and a legal partner.
• Very good alignment with the democratization of mutual funds and the development of the regional financial market.
Reservations and risks to be investigated
• Project not yet constituted and not registered.
• No revenue and no named deployment partners.
• High pricing to be validated with the market: annual license of 30 million FCFA or integration of 15 million FCFA.
• Clarify the responsibility for KYC, consulting, underwriting, payment and AI-generated content.

A financial operating system for informal sector merchants. The app captures their sales, inventory, expenses, and customer payables, and then the BinScore™ transforms that data into a bank-ready credit report. The data remains the property of the merchant.

Main strengths

• Clear positioning: connect merchants and SMEs with the financial institutions that want to finance them.
• Score structured in 5 pillars, with a negative cash flow protection rule.
• Partnership under discussion with Afriland First Bank, with a pilot targeted at Bonabéri (500 to 1,000 merchants).
• Use of funds precise and objectives quantified in 12 months.

Reservations and risks to be investigated

• The partnership with Afriland is at the stage of discussion, without an agreement signed at this stage.
• The reliability of the score depends on the verification of the data declared by the merchants.
• The role of binFi in credit (who carries the risk, who advances the funds) remains to be clarified.
• The 12-month targets (2,500 companies) are ambitious compared to a current base of around 600 merchants.