Crypto should work for everyday payments and business operations.

KivoraPay is a spending layer for crypto.

We are building a crypto-powered payments and commerce platform that helps individuals and businesses use digital assets for real-world financial activity.

Across Africa, millions of people already earn, hold, and move value with USDT, USDC, Bitcoin, and other digital assets. But when they need to pay bills, receive structured payments, collect from customers, manage business activity, or run everyday operations, crypto still feels separated from the financial tools they actually need.

That separation is what KivoraPay exists to remove.

For individuals, KivoraPay turns crypto-backed value into everyday utility. Users can pay bills, buy services, send money, receive payments, create invoices, and manage transactions from one place.

For businesses, KivoraPay adds the operating layer: payment collection, storefronts, inventory, order management, team access, reports, merchant subscriptions, and payroll.

The goal is not to make users think about conversion. The goal is to make crypto spendable, receivable, and useful inside the financial activities people already perform every day.

By combining crypto infrastructure with local payment rails and business tools, KivoraPay bridges the gap between holding digital assets and using them for spending, commerce, collections, payouts, and operational finance.

We are not here to convince Africans to start using crypto. They already do. We are building the missing layer that makes crypto practical for people, freelancers, merchants, and businesses.

KivoraPay is headquartered in the Netherlands. We are starting with Nigeria - one of the highest crypto-adopting countries on the continent - and expanding across Africa from there. The Netherlands is one of the world's most active crypto and fintech markets, and billions of dollars flow from the Netherlands toward Africa through trade, remittances, and contractor payments. We are building infrastructure that serves that corridor from both ends.

That is the real product: a simpler way to spend, receive, collect, and operate using crypto-backed value.

KivoraPay is building that bridge. We are just getting started.

Spend crypto. Receive payments. Run the business.

KivoraPay provides the technology interface that connects crypto-backed value to payment providers, commerce tools, invoices, merchant operations, payroll, and business finance workflows.

KivoraPay B.V. - Incorporated in the Netherlands