A single, trusted rail for moving money across Africa.
Kulmis connects remittances, microloans, and rewards into one simple experience for people and businesses moving money across African corridors.
One account, three powerful rails.
Open a Kulmis account once, then use it to send money, access credit, and earn tiered rewards across supported African markets.
- See FX rate, fees, and arrival time before sending.
- Pay in from cards or bank accounts where supported.
- Receive directly into mobile wallets or bank accounts.
- Earn points on each qualifying transfer.
- Maintain a simple, unified timeline of activity.
- Use your history to unlock new benefits over time.
- Access small, transparent loans where licensed.
- Earn reduced fees, priority support, and more.
- Designed with partners to stay aligned with regulation.
Rewards that actually matter.
Kulmis is designed so that the more consistently you use the rail, the more useful it becomes — with rewards focused on real financial outcomes.
- Clear, up-front pricing on every corridor.
- Basic transfer tracking and simple history.
- Email and in-app support.
- Reduced fees on supported routes.
- Priority access to new corridors.
- Eligibility for small working-capital offers.
- Custom pricing and settlement arrangements.
- Access to dedicated partner support.
- Co-branded experiences where appropriate.
Thoughtful credit, not endless debt.
Where licensed and with the right partners, Kulmis can extend small, structured loans based on real transaction behaviour — with clear, human-friendly terms.
- Support school fees, emergencies, or business inventory.
- Clear repayment schedules that fit local realities.
- No hidden fees; interest explained up front.
- Use your transfer history as one input to eligibility.
- Reward on-time repayments with better terms over time.
- Partner with local institutions where it makes sense.
Kulmis as an underlying rail.
Beyond individual senders, Kulmis can support businesses, collectives, and community organisations that move money across African corridors.
- Pay suppliers and partners in supported markets.
- Track payouts and settlements in one place.
- Explore working-capital options with partners.
- Coordinate pooled transfers for community projects.
- Offer trusted rails back home with clear fees.
- Layer rewards or matching schemes on top.
- Leverage Kulmis as an infrastructure layer.
- Co-design compliant, locally grounded offerings.
- Access dedicated support and integration help.
Be the first to know where we launch.
Kulmis is being shaped with input from people and organisations across African corridors. Share a few details and we’ll keep you posted.
- Tell us which corridors matter most to you.
- Get early product updates and launch news.
- Help us design features that actually help.
- Share how you move money today.
- Explore whether Kulmis could act as an underlying rail.
- Hear about pilots, corridors, and partnership programs.
Contact Information
Leave your details and we’ll get in touch as Kulmis rolls out.
Coming to all devices
Document
Download Kulmis on iOS and Android once we launch.
Frequently Asked Questions
Find answers to the most common questions about Kulmis.
About Kulmis
Kulmis is Africa’s unified financial rail — designed to simplify cross-border money movement and financial access.
- Fast transfers across African corridors
- Support for individuals and businesses
- Microlending and financial access tools
- Transparent pricing with no hidden fees
Kulmis is built for:
- Individual users sending or receiving payments
- Micro and small businesses operating across borders
- Merchants and suppliers
We are in the final testing stages. The Kulmis app will launch on:
- 📱 Apple App Store — coming soon
- 📱 Google Play Store — coming soon
Early users can sign up for updates to get notified at launch.
Security & Compliance
Yes — security is our highest priority. Kulmis uses:
- Bank-grade encryption
- Strict KYC (Know Your Customer) verification
- AML (Anti-Money Laundering) compliance
- Secure infrastructure approved for financial operations
Your data and transactions are always protected.
Kulmis offers fair and transparent pricing with no hidden charges. Fees depend on the service and corridor.
App & Product
- Cross-border money transfers
- Microlending tools for individuals and small businesses
- Business payment infrastructure
- Reward system for frequent users
Kulmis currently supports key African corridors and is expanding rapidly.
A full country list will be available at app launch.
Yes. Kulmis provides access to small loans with transparent terms, built to support individuals and micro-businesses.
Kulmis uses optimized financial rails built specifically for African markets:
- Instant settlement partners
- Smart routing for cross-border transfers
- Direct integrations with mobile money networks
Business
Businesses use Kulmis as a financial rail for:
- Cross-border payments for customers and suppliers
- Reliable settlement infrastructure
- Support for recurring transactions
- Lower operational costs