De l'argent moderne pour un monde émergent.

Loam transfère de l'argent à travers 34 pays et 5 continents — instantanément, à une fraction du coût traditionnel. Le fonds de roulement génère un rendement, les cartes vous permettent de payer, et les frictions sont éliminées.

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~5 sec
Average settlement time
24/7
Availability — vs 5 days a week on banking rails
80%
Average saving compared to local competitors
De notre réseau
Goldman SachsCitadelDeutsche BankTrafiguraGoogleDeepMindSolanaStellar

À qui s'adresse Loam

Banks

Loam gives banks instant cross-border settlement and local-currency payout across live corridors, so customers can move money without the bank maintaining a correspondent relationship in every market.

Remittance groups

Remittance operators can keep corridors open around the clock, settle into local currency, and reduce the cost and weekend delays that make emerging-market payout hard to run at scale.

Payroll

Payroll teams can fund once, pay many markets, and keep contractors receiving the currency they use locally without opening and reconciling bank accounts in every country.

Treasury

Treasury teams get one place to hold balances, convert currencies, settle obligations, and keep idle working capital earning yield while it waits for the next payment cycle.

Trade finance houses

Trade finance houses can fund a flow, hold funds against agreed conditions, release payment when both sides deliver, and keep the repayment path visible from origination to settlement.

PSPs

PSPs can add cross-border settlement and local payout through Loam while keeping their existing customer, wallet, and reporting stack intact.

iGaming

iGaming finance teams can settle operator balances and cross-border payouts continuously, including weekends, with every counterparty verified before money moves.

Insurance

Insurance operators can collect premiums, pay claims, and reconcile cross-border flows across markets while keeping counterparties verified and every movement traceable.

Entrées bancaires, sorties bancaires, et tout ce qu’il y a entre les deux.

Payments

Fund from any bank you already use and pay any verified counterparty; they receive their own local currency the same day. No correspondent banks, no weekend hold.

FX

Exchange between currencies near mid-market, with the spread shown up front. The rate you're quoted is the rate you get.

Escrow

Hold funds against agreed conditions and release them automatically once both sides deliver. Built for new counterparties and high-value trades.

Yield

Cash sitting between deals earns daily yield and stays fully redeemable — what a bank account should do, and doesn't.

Private Credit

Finance your receivables to free working capital, so you're not waiting on a buyer to pay before you can pay your supplier.

Sécurité et contrôles que votre DAF appréciera vraiment.

KYB pour chaque contrepartie

Chaque entité est vérifiée avant de pouvoir effectuer des transactions, avec un filtrage des sanctions et des dossiers de contreparties conservés au même endroit. Les équipes financières peuvent examiner les contreparties à partir d’un dossier cohérent avant que les fonds ne soient déplacés, ce qui réduit le nombre de contrôles manuels dispersés entre les e-mails et les feuilles de calcul.

Conservation ségréguée

Les fonds en conservation réglementée restent ségrégués, traçables et entièrement rapprochables, du financement au versement. La vue de conservation est conçue pour rendre les soldes opérationnels, les flux de règlement et l’activité de versement compréhensibles pour les responsables financiers.

Piste d'audit complète

Chaque action, règlement et facture est horodaté et exportable, afin que l’équipe financière puisse rattacher chaque chiffre à sa source. Le dossier donne aux équipes un emplacement unique pour vérifier qui a approuvé un mouvement, quand il a été réglé et comment la facture ou l’instruction de paiement justificative se rapporte au chiffre final.

Customer API

Le rail de règlement, appelable depuis votre stack.

Consultez les opérations, les factures et les soldes ; transférez des fonds vers des destinations approuvées. Chaque garantie est publiée dans le contrat OpenAPI 3.1 et appliquée sous la couche API.

  • Transactions, paiements, trésorerie, listings et on/off-ramps dans un seul contrat
  • Idempotency-Key à chaque écriture — un replay renvoie le premier résultat
  • Autorisations monétaires accordées après authentification renforcée, révocables dans un délai défini
Explorer l'API
POST /api/v1/payments
curl -X POST "$HOST/api/v1/payments" \
  -H "Authorization: Bearer $TOKEN" \
  -H "Idempotency-Key: pay-2026-08-14-0031" \
  -d '{
    "destination_id": "3f0c5f1e-…",
    "amount": 2500000,
    "currency": "USD"
  }'

// Response — 202 Accepted
{
  "id": "8c1d7a52-…",
  "status": "processing",
  "amount": 2500000,
  "currency": "USD"
}

Régularisé à travers les corridors émergents.

Trade-finance repayments, settled across continents.

Trade finance · East Africa → Singapore

A trade-finance fund routes exporter repayments from East Africa to its Singapore desk through Loam — settling in seconds instead of days, hundreds of thousands a month and scaling, with idle balances earning yield between cycles.

  • Settling in seconds instead of days
  • Hundreds of thousands a month and scaling
  • Idle balances earning yield between cycles

Millions in grain — plus the credit to plant the next crop.

Grain · across Southern Africa

A regional grain network settles cross-border trades across the Botswana–South Africa corridor — over $4m to date — and draws on Loam financing to fund the seed and inputs for next season.

  • Cross-border trades across the Botswana-South Africa corridor
  • Over $4m to date
  • Financing for seed and inputs for next season

High-volume payouts across SADC, around the clock.

High-volume payments · across SADC

A telecoms operator runs continuous, high-frequency payments across the region on Loam — dozens of payouts settling instantly, 24/7, at a fraction of bank cost.

  • Continuous, high-frequency payments across the region
  • Dozens of payouts settling instantly, 24/7
  • At a fraction of bank cost
FAQ

Ce que les équipes financières demandent avant l'expédition.

Besoin de plus ? Loam passe en revue votre flux spécifique lors d'un appel de 30 minutes.

What does Loam actually do?

Loam moves money across borders in seconds, holds and converts it in multiple currencies, earns yield on idle balances, and can finance your trade — one platform instead of a bank, an FX desk and a lender.

Who's it built for?

Businesses moving money across emerging markets — banks, remittance groups, treasuries, trade finance houses, PSPs, payroll, iGaming and insurance.

How is Loam regulated?

Loam operates under regulated frameworks in South Africa and Kenya, with credit-intermediation licensing in progress and expansion into Zambia, Botswana and the EU. Every counterparty is KYB-verified before they can transact.

What can I hold and settle in?

Major currencies in, with local-currency payout across live corridors.

What does it take to get started?

KYB verification in under a day, then you can fund and settle. No setup fees, no minimums, no lock-ups.

Vous avez encore des questions ? Réservez une démonstration de 30 minutes

Commencez à régler en quelques minutes.

Vérification KYB en moins d’une journée. Aucun frais de configuration. Aucun minimum. Aucune période de blocage.

Réserver un appel
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