Modern remittances for the Horn of Africa, built for speed, transparency, and trust.
Kulmis enables fast, transparent cross border transfers with live tracking, local language support, and a mobile first experience designed for African corridors.
Trusted by builders & operators across Africa
Why remittances into the Horn of Africa are broken
Cross border payments into the Horn of Africa remain slow, opaque, and fragmented especially across mobile money driven corridors.
- Hidden markups
- Unclear settlement timing
- Poor tracking
- Disconnected providers
- Manual reconciliation
- Higher failure rates
- No local language support
- Limited issue resolution
The Kulmis solution
Kulmis is a digital first remittance platform built specifically for African corridors. We combine real time tracking, local language support, and a mobile first experience to deliver faster, more transparent transfers for diaspora communities.
- Live transfer tracking
- Upfront pricing
- Predictable settlement
- Direct wallet integrations
- Reduced failure rates
- Corridor specific optimisation
- AI assisted support with human escalation
- Local language assitance
- Faster issue resolutin with clear escaltion paths
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.
Built differently
Unlike global remittance platforms optimised for simple corridors, Kulmis is built for the realities of African mobile money ecosystems and fragmented regulation.
This focus allows us to move faster, localise deeper, and serve communities that are often secondary priorities for larger providers.
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.Credit offerings are introduced only where licensed and in partnership with regulated institutions.
- 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.
Designed for sustainable scale
Kulmis generates revenue through transaction fees and FX margins, with additional services designed to increase long term user value.
We start with the Horn of Africa and Kenya one of the most important and underserved remittance regions globally with a long term plan to expand across Africa.
Built with regulation and reliability in mind
Kulmis is designed to operate in partnership with licensed institutions and within existing regulatory frameworks across each corridor.
Our infrastructure prioritises compliance, security, and long-term reliability from day one.
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