Cross-border payments,without the uncertainty.
Kimana helps African businesses move money across borders with transparent FX, clear payment tracking, and business-ready records.
Recent Transfer ($10,000 USD → NGN)
Cross-border trade shouldn’t stall on financial friction.
African businesses increasingly trade across borders, but payment uncertainty, FX complexity, documentation, and reconciliation create friction. Kimana brings these workflows into one business-focused experience.
Eliminate Hidden FX Margins
No post-trade rate markups or hidden bank deductions. Lock in your exact exchange quote before committing funds.
End Black-Box Transfers
Real-time visibility across local deposits, currency conversion, compliance screening, and correspondent payout.
Business-Ready Records
Attach trade invoices, bills of lading, and customs Form M directly to immutable payment settlement logs.
Know where your money is.
Uncertainty kills business momentum. Kimana gives you complete transparency at every stage of the transfer lifecycle, eliminating black-box delays and unexpected fee deductions.
QUOTE State
Lock in mid-market FX rates with zero hidden spread or surprise fees before committing funds.
Built around a real business dashboard.
Manage balances across multiple currencies, request firm quotes, execute settlements, and track payouts in one unified interface.
Adunola Exports Ltd
Account: KMN-84920 · Verified Tier 3 Business Account
Recent Cross-Border Transfers
Live settlement monitoring & status tracking
Live FX Transfer Engine
Guaranteed rate lock with zero margin markup
Rate refreshes automatically every 2 minutes. Fees and a locked rate appear on your firm quote.
Every payment leaves a record.
Kimana automatically binds trade documents, customs forms, and commercial invoices directly to immutable settlement logs, ensuring 100% audit compliance and seamless ERP reconciliation.
Apex Trade Co · Commercial Equipment Import
Financial infrastructure designed for certainty.
Built around strict operational principles to ensure every cross-border payment is transparent, compliant, and predictable.
Payment Certainty
Predictable settlement timelines without surprise banking holdsEliminate black-box delays. Every payment step is validated through automated state machines, giving your finance team complete confidence when paying international suppliers.
Transparent FX
Zero margin markups & guaranteed rate locksKnow your exact landed payout amount before transferring funds. Lock in mid-market exchange rates with fixed, transparent processing fees.
Trade Documentation
Bind commercial invoices directly to transaction recordsSatisfy CBN regulatory requirement with built-in document attachment. Link invoices, bills of lading, and customs Form M directly to payment IDs.
Real-Time Payment Tracking
Step-by-step milestone progressionTrack money movement from local NIP deposit through compliance screening to final beneficiary credit in real time.
1-Click Reconciliation
Audit-ready financial logs for accounting softwareExport structured CSV, MT940, and PDF payment packets formatted for immediate import into QuickBooks, Xero, or custom ERP systems.
Four steps to cross-border certainty.
Engineered for speed, transparency, and compliance so your team can manage global supplier payments without friction.
Create your business profile
Enter your company legal name, CAC RC registration number, and industry sector to establish your corporate Kimana identity.
- CAC registry lookup
- Multi-user admin controls
- < 3 minute setup
Complete verification
Automated KYB verification cross-references director BVN/NIN records with NIBSS and runs real-time sanctions screening.
- Instant BVN verification
- OFAC & Sanctions scan
- CBN compliance ready
Get your FX quote and fund your payment
Lock in guaranteed mid-market exchange quotes with transparent fees. Fund locally via instant bank transfer or dedicated virtual account.
- 2-minute rate lock
- 0% spread markup
- Local NIP bank transfer
Track settlement and payout
Follow your money step-by-step from funding to correspondent bank payout, with automated invoice linking and tax-compliant receipts.
- Live state machine tracking
- Automated proof of payment
- 1-click ERP sync
Ready to streamline your business payments?
Create your corporate profile in minutes with your CAC number.
Turn payment history into financial opportunity.
Kimana is being built toward a smarter path to working capital, using verified business activity and payment history to help eligible businesses access financing as the platform grows.
Verified Cash Flow History
Every cross-border settlement processed through Kimana builds a transparent, verifiable trade record without manual paperwork.
Predictable Trade Finance
As your transaction history grows, eligible African businesses will unlock revolving credit options designed for inventory & supplier payments.
Performance-Based Credit
Replacing traditional collateral requirements with performance-based risk modeling grounded in actual payment fulfillment.
Built on product principles.
Cross-border financial operations demand strict operational integrity. We embed transparency, compliance, and auditability directly into the platform core.
Transparent FX
Guaranteed mid-market exchange rates with transparent, fixed fee structures. Zero post-trade markups or hidden spreads.
Clear Payment Status
Step-by-step milestone visibility across funding, conversion, banking rails, and recipient credit delivery.
Business-Ready Records
Automated trade document linking, immutable transaction hashes, and 1-click exportable tax-compliant audit logs.
Verification-First Onboarding
Rigorous Corporate Affairs Commission (CAC) verification, director BVN/NIN checks, and automated sanctions screening.
Make your next cross-border payment with confidence.
Create your business profile and see how Kimana works. Transparent FX rates, milestone tracking, and business-ready records tailored for African trade.