Fintech
Oxi Pay
Money that moves as easily as the people and goods it pays for, inside a country and across borders.
- Virtual accounts. An account in the customer's own name, provided through a licensed payment partner and its bank, for receiving, holding and sending money.
- Merchant payments and payment links. Businesses get paid in store, online and by link, and see every payment in one place.
- Cross-border settlement. Fiat on- and off-ramps connect local currencies to regulated digital settlement networks, so trade and travel payments clear faster and cost less.
- Travel checkout. Passengers pay at airline and travel-agent checkout, and can open a virtual account in the same step instead of beforehand.
- Tokenised commodities. Food grains and gold represented as digital assets, through a dedicated, licensed Oxi subsidiary.
Virtual accounts and payments are provided by licensed payment partners and their banks; in Ghana, payments are powered by Eganow, a Bank of Ghana licensed Enhanced Payment Service Provider. Oxi does not hold customer money. Virtual-asset services are offered only through a licensed Oxi subsidiary, and only in markets where they are authorised.
Marketplace
Oxi Commerce
One marketplace with three doors: one for buyers, one for merchants, one for sellers getting started.
- Oxi Market. Where buyers find and order goods from verified sellers.
- Oxi Shops. Branded storefronts that let a merchant sell under their own name.
- Oxi Seller. Onboarding and tools that take a seller from sign-up to first sale.
- Connected end to end. Orders are paid through Oxi Pay and delivered by Oxi Rider. As OxiRail grows into a network of rail services, it extends the movement of goods across the continent.
Mobility & logistics
Oxi Mobility & Logistics
From the last mile to the regional line: the movement layer for goods and passengers.
- Oxi Rider. A rider network for last-mile delivery, fulfilling Oxi Commerce and OXiAgro orders.
- OxiRail Services. A growing network of rail services for passengers and goods, built on refurbished rolling stock returned to service, extending the movement of goods across the continent.
- One fleet, many routes. A single fleet company owns the trains and leases them to regional operations, so trains can move where they are needed.
- Engineered to last. Refurbishment, supply and maintenance come from specialist rail engineering partners under long-term service contracts.
Agriculture
OXiAgro
Your farm, your record, your money. A farm record, a virtual account and a marketplace for every farmer, with crop advice built in.
- Crop advice built in. Photo checks in the field and answers in the farmer's language, through the app, WhatsApp or a village agent.
- Advice that becomes an order. The recommended treatment is ordered from an approved agro-dealer, paid from the farmer's virtual account and delivered against a code.
- A farm record in your name. Every plot, planting, detection, input and harvest is written to the farm record, and each farmer's share of a sale is paid to their own virtual account.
AI & technology
Oxi AI & Technology
Two streams with one aim: AI that works inside African businesses and is run by African engineers.
OxiAi and OxiAcademy are built on the AIS™ Framework by Matican Group LLC. OxiAcademy courses lead to AIS™ certification, issued in the United States by Matican Group.
- OxiAi. Gives businesses AI staff: digital employees trained to run critical parts of the business, like taking orders, answering customers and handling complaints, each with a named person it hands over to. Visit oxiai.africa
- OxiAcademy. Part of OxiAi. Trains the next generation of AI engineers from inside each industry, so workers build the implementation instead of being displaced by it, with AIS™ certification issued by Matican Group. Explore OxiAcademy
- One platform. Identity, records, payments and data services built once and shared across every Oxi business.
Strategic investments
Oxi Ventures
Minority stakes in African companies whose products strengthen the Oxi network.
- What we look for. Fintech and infrastructure companies with working products and a clear fit with an Oxi business.
- How we invest. Equity alongside practical support, often with a board seat, held directly by Oxi Group Limited.
- How to approach us. Send a short note on your company, its traction and where you see the fit. Contact Oxi Ventures
Oxi Ventures · Partnership
From local rails to global scale: Oxi and ScaleGate.
Strong African businesses rarely fail for lack of a good product. They stall at the edge of their home market, where the next customer, the next round of capital or the right technical partner sits behind two walls: the paperwork of a new market, and the harder work of being taken seriously there. Our partnership with ScaleGate is built to take companies through both.
A European company builder based in the Netherlands, with its African company, ScaleGate Africa. It backs founders in food and agriculture, water, energy and health, and gives them what Europe has and they lack: customers, capital and grants, technology partners, market entry and a soft landing. It also brings European companies into Africa. It works from inside ventures rather than advising from outside.
The rails a company runs on at home: virtual accounts and payments, marketplaces, delivery, farm records, AI and OxiAcademy training. Every sale, delivery and payment leaves a record, so a company's traction is something an investor or a European buyer can read, not just a claim.
How a company scales with us
- 01Run on Oxi
An agro-processor sells through Oxi Market, pays its suppliers into virtual accounts and ships with Oxi Rider. Each season builds a verified record of sales, deliveries and payments.
- 02Apply to ScaleGate
An open call, under fifteen minutes on a phone. Every application is read and answered in writing within ten working days. Founders never pay.
- 03Get prepared
Shortlisted founders present at a monthly selection forum. Those selected are worked up into a complete file by a named partner, with the Oxi record as evidence of traction.
- 04Scale
ScaleGate opens the door to European customers, grants, investors and technical partners, while Oxi keeps the business running at home.
The path above is illustrative of how the partnership works for a typical company. ScaleGate Africa is an independent company. Oxi provides technology and does not arrange investment; capital, grants and advisory come through ScaleGate, and the two work together on arm's-length terms.
Work with an Oxi business.
Tell us which business you want to work with and what you want to achieve. We will route you to the right team.