Our story

The Financial Operating System
for Global African Commerce

Building the infrastructure layer that connects African businesses and individuals to the global economy — with compliance, transparency, and speed at the core.

Our mission

Moving money for Africa — the right way

Nigerian importers pay billions to hawala operators every year — with no receipts, no recourse, and no rate certainty. Diaspora senders lose 3–5% to banks that take days. Freelancers get paid through informal channels that offer no paper trail.

WaltzPay is the regulated alternative. Formal, compliant, same-day payment infrastructure for every corridor that matters: Nigeria ↔ China, Nigeria ↔ India, Nigeria ↔ ECOWAS, Nigeria ↔ UK, Nigeria ↔ USA.

We are building for the long term — starting with the most important corridors, expanding carefully, and earning trust one transfer at a time.

Regulated

Operating through licensed partner institutions — CBN, FCA, FinCEN, PBOC, RBI and more.

Same-day

Funds confirmed within hours. Your supplier gets paid. Your goods ship on schedule.

Multi-corridor

China · India · ECOWAS · UK · USA · School fees. One account, every corridor.

Transparent

Every fee, every rate, every deduction visible before you confirm. Always.

Roadmap

What we are building

Three layers of financial infrastructure, built in sequence.

Live now

Cross-border payments

Supplier payments (NG→CN/IN/ECOWAS), diaspora remittances (UK/US→NG), freelancer receiving accounts (USD/GBP), and school fees to UK, US, Canada, China, India & Europe.

Phase 2

Wallets & cards

NGN + USD dual wallets, virtual Visa/Mastercard, FX conversion with 30-second rate lock — for individuals and businesses.

Phase 3

Business operating layer

Invoice management, supplier directory, payroll disbursements, multi-currency reconciliation, and WhatsApp-native workflows.

Compliance

Regulated at every step

WaltzPay is not a bank. Regulated money transmission is carried out through licensed partner institutions. All customer funds are held in segregated safeguarding accounts.

Licensed Partners

Partners hold CBN IMTO approval, FCA authorisation, FinCEN registration, PBOC/SAFE licensing, and RBI approval — covering every corridor we operate.

Segregated funds

Customer funds are never commingled with company operating accounts. Your money is safeguarded at all times per regulatory requirement.

Full audit trail

Every transaction is fully documented. Payment receipts, KYC records, and compliance documentation stored and available on request.

Licensed Partners · CBN · FinCEN · FCA · PBOC · SAFE · RBI · & more

Company

3pplea Holdings LLC

75 E 3rd St, Ste 7
Sheridan, WY 82801, USA

+1 (302) 601 0225[email protected]

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