Invest in the Future of Payments in Ghana
Xtopay is raising GHS 5,000,000 to secure our Bank of Ghana license and scale a secure, developer-first payment infrastructure for Africa.
Contact Us to InvestWhy We're Raising
To operate legally as a payment platform in Ghana, Xtopay must acquire a license from the Bank of Ghana (BoG). This pre-seed round will fund our regulatory compliance, technology infrastructure, and initial market expansion.
Ghana's digital payment market is projected to grow at 24.5% CAGR through 2027 (BoG Report 2023)
Our Vision
Xtopay is building the backbone of African payments — developer-friendly APIs, seamless checkout, mobile money integration, and multi-channel routing. We're creating Ghana's answer to Stripe — built for Africa's unique challenges by Africans who understand the market.
Market Opportunity
70% of Ghanaian businesses still rely on cash transactions
Mobile Money Penetration
Ghana has 44 million mobile money accounts (GSMA 2023)
Allocation of ₵5 Million Pre-Seed Round
Regulatory & Licensing
₵2.2MIncludes GHS 2M BoG deposit, ₵12K processing, ₵40K license fee, and legal, audit, and compliance setup.
Core Infrastructure
₵1.2MPayment engine, API gateway, sandbox environment, and advanced fraud prevention systems.
Team & Operations
₵900KEngineering, compliance, operations, and key hires to support early growth.
Go-to-Market & Growth
₵700KMerchant onboarding, strategic marketing, developer outreach, and public launch in Ghana.
Projected Milestones
Regulatory Approval
Complete BoG application, submit GHS 2M deposit, and obtain EPSP license.
Beta Launch
Onboard 100+ early merchants and process ₵1M+ in transactions.
Market Expansion
Process ₵10M+ monthly volume and expand to second African market.
Investor Benefits
Equity Stake
Significant equity in Ghana's most promising fintech at ground floor valuation
Priority Access
Exclusive updates, board insights, and priority in future funding rounds
Growth Potential
10-15x return potential based on comparable African fintech exits
Ready to Invest?
Join our pre-seed round and help build the future of payments in Africa. We're offering exclusive terms to our first investors.
Executive Team
Leading the future of fintech and inclusive digital infrastructure in Africa.
Collins Joe
Co-Founder & CEO
Frontend engineer and product lead focused on building modern, user-friendly fintech experiences across Africa. Drives the vision behind Xtopay and Sendexa.
Ethel Akorfa Agama
Executive Director, Gender Equality & Social Impact
Leads social impact and gender-focused initiatives, ensuring Xtopay builds inclusive, equitable products aligned with the UN SDGs.
Kane Vidzro
Co-Founder & Backend Engineer
Backend engineer focused on building secure, scalable infrastructure for Xtopay’s core systems and APIs.
Have Questions About Investing?
We're happy to discuss investment terms, due diligence materials, or our growth roadmap.