Acquisition
"Invest back home" tab inside your existing diaspora app.
BANKS & INSTITUTIONS
Offer wealth management without launching an SGI
Give your premium and diaspora clients access to regional markets, white-labeled, compliant, and auditable. Compliance carried by our partner SGIs.
Use case #1
The diaspora, your dormant client base
You already serve millions of diaspora customers on transfers and FX accounts. Inopay lets you offer them regional market investing without launching an SGI.
ARPU
Lift diaspora ARPU by 30 to 50% with country savings products.
Retention
Lock in diaspora clients with a non-transferable product, unlike remittances which commoditize them.
Your clients want to invest in Africa. You don't have the stack.
Diaspora and premium segments demand exposure to BRVM, BVMAC, and GSE securities. Without a licensed SGI, those flows go elsewhere.
[TBD]
Diaspora with FX savings capacity
[TBD]
Premium clients open to regional investing
18 to 24 months
Time to launch a licensed SGI subsidiary
3 priority use cases
Diaspora savings
Allow clients in France, Belgium, and Canada to invest at home with no local account opening.
Premium private banking
Round out your wealth offering with regional securities and consolidated reporting.
Automated advisory
Robo-advisor for mass-affluent clients, powered by your research desk.
Why you don't do it yourself
- 1SGI subsidiary creation: minimum capital 1 Bn FCFA and 18 to 24 months of licensing.
- 2Core banking overhaul to manage securities portfolios: 12 to 24 months.
- 3Hiring a dedicated markets and compliance team.
- 4Brand risk on market incident or execution error.
Inopay makes this product available in 90 to 120 days, without touching your banking license.
Solution architecture
Bank client
Web portal or app
Inopay SDK
Inopay routing
Partner SGI
Market
Ed25519-signed portable KYC
Business model for you
Controlled costs and variable margin indexed to routed volume.
200 to 500 Bn FCFA
Target AUM — Year 3
1.5 to 4 Bn FCFA
Indicative net bank revenue — Year 3
18 to 24 months
Time to ROI
Detailed projection delivered in a signed memo after the product workshop.
Your cost
- Integration setup
- From 60 M FCFA · on request
- Annual license
- From 25 M FCFA/year · on request
- Variable on volume
- On request
- Go-live
- 90 to 120 days
120-day integration roadmap
- Étape 1
Weeks 1 to 3
Executive kickoff, product framing with wealth and compliance leadership.
- Étape 2
Weeks 4 to 8
Core banking and SSO integration, UI white-labeling.
- Étape 3
Weeks 9 to 12
Partner SGI selection, due diligence, and convention signature.
- Étape 4
Weeks 13 to 14
Internal pilot on private banking advisors.
- Étape 5
Weeks 15 to 16
Soft launch on identified premium client cohort.
- Étape 6
Months 5 to 6
Progressive opening to diaspora and mass-affluent base.
Anticipated risks
| Risk | Inopay response |
|---|---|
| Cross-border banking compliance | Tripartite bank-SGI-Inopay agreements validated by legal teams. |
| Brand risk on a market incident | Inopay and the SGI carry execution liability; your brand stays neutral. |
| Multi-asset consolidated reporting | Daily export API and webhooks for your data warehouse. |
| Diaspora FX risk | FX conversion documented, anchored, and auditable per operation. |
| UEMOA, CEMAC, Ghana regulatory shifts | Public regulatory watch updated, memos shared with your compliance team. |
Why Inopay and not an in-house build
Time to market
90 to 120 days versus 18 to 24 months to launch an SGI subsidiary.
Carried compliance
Partner SGIs carry the broker license; you stay a banking provider.
Multi-market coverage
One contract for BRVM, BVMAC, and GSE.
Diaspora neo-bank competition is won on features, not on margin. Inopay puts you on par.
Why Inopay for your bank
Three levers to serve your premium and diaspora clients without setting up an SGI.
White-label premium wealth
Investment module in your app, under your brand, no license impact.
- Full white-label
- Compliance carried by SGI
- Consolidated reporting
Diaspora served everywhere
Your diaspora clients invest from Europe, North America or the Gulf.
- Remote KYC
- Multi-currency
- FATCA / CRS compliance
Existing IT preserved
API, SDK or portal integration. No core banking refactor required.
- Documented REST API
- Signed webhooks
- Pre-production sandbox
Let's frame your integration
Product demo dedicated to your wealth or diaspora leadership, in 60 minutes.