Company Overview
About Capi Money
Capi Money is a London, United Kingdom-based cross-border payment platform for emerging market businesses — backed by Y Combinator (S23) with €17.2 million in Series A funding in February 2025 led by Creandum with Janngo, Firstminute, FourCities, Raba, Kara Maiora, Pioneer, Rebel, and Algorithmic, following a $1.52 million seed in May 2023 — providing small and medium-sized enterprises (SMEs) in Africa, Latin America, and Asia with efficient international supplier payment infrastructure that reduces foreign exchange fees and delays when paying international vendors. Founded in 2023 by Mitch Riley, Scott Liddle, and Tom Watson, Capi achieved $2.9 million in revenue in 2024 — generating multi-million dollar revenue within 13 months of the Y Combinator batch — operating with 19 employees across 4 African countries.
Business Model & Competitive Advantage
Capi Money's international payment platform addresses the cross-border payment inefficiency that SMEs in emerging markets face when paying overseas suppliers: a Nigerian importer buying electronics from Chinese manufacturers, a Kenyan retailer paying for European branded goods, or a Ghanaian wholesaler sourcing from US suppliers typically pays 3-5% in FX conversion fees through traditional bank wires, faces 3-7 business day settlement delays that create working capital gaps, and lacks transparency into the payment status and exchange rate applied to each transaction. Traditional bank cross-border wires (SWIFT network) charge correspondent bank fees at each intermediary, apply poor wholesale-to-retail FX spreads, and provide no real-time tracking of wire status. Capi's payment rails (leveraging the modern cross-border infrastructure of stablecoins, local currency accounts, and FX optimization algorithms) reduce the per-transaction cost and settlement time for emerging market SME international payments — enabling faster supplier payment that preserves purchasing relationships and working capital.
Competitive Landscape 2025–2026
In 2025, Capi Money competes in the cross-border payments, emerging market fintech, and B2B international remittance market with Nium (cross-border payments infrastructure, $263M raised at $2.1B valuation), Flutterwave (African payments, $474M raised at $3B valuation), and Payoneer (NASDAQ: PAYO, global payment platform, $250M raised) for African and emerging market SME international supplier payment adoption. Creandum's Series A leadership (leading Nordic VC with global fintech portfolio) reflects conviction in Capi's emerging market payment infrastructure thesis. Janngo's participation (pan-African tech VC) provides Africa-specific market access and strategic partnership opportunities. The $2.9M 2024 revenue from a 2023 founding demonstrates the rapid SME adoption of a platform solving a high-pain cross-border payment problem. The 2025 strategy focuses on expanding the African country coverage beyond the initial 4 markets, building the trade finance products (supply chain financing, letters of credit) for larger SME import transactions, and growing the Latin America corridor for the emerging market supplier payment network.
Open Positions
Reddit Discussions
Key Differentiators
Emerging Innovator
Capi Money is an emerging player bringing innovative solutions to the Finance market.
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