If it doesn't help the merchant make or keep money, we don't ship it.
Merchant-first
Built in Lagos, for Africa.
Klovo is a shop, a bank, and an AI employee, in one app — built for the small businesses that run this continent's economy.
About: Built in Lagos, for Africa.
The problem
Africa's small businesses are the engine of the continent — and the most underserved by software and finance. They juggle WhatsApp threads, paper books, personal bank accounts, and walk-in trade. A modern, AI-native, mobile-first stack has never been built for them. Until Klovo.
Our mission
Give every small business in Africa the tools, the bank, and the AI of a Fortune 500 — for the price of lunch.
What we believe
Values
Banking and tax in words a market trader uses.
Plain language
Local rails, local discovery, local realities.
Africa-built
Licensed partners. Encrypted by design. Audited.
Trust by default
Why now
Why now
Smartphones and WhatsApp are already how African merchants sell. What's missing is the layer underneath — a real bank account, compliant payments, and an AI that never sleeps — stitched together in one place instead of five apps and a notebook. Regulated banking rails, cheap AI inference, and mobile-first commerce have only just converged enough to build this properly, for the price a small merchant can actually afford.
We're hiring
We're a small team building the operating system for African small business. If that sounds like your kind of hard problem, we'd like to hear from you.
Talk to us