مال عصري لعالم ناشئ.

تُنقل Loam الأموال عبر 34 دولة و5 قارات — فورًا وبجزء ضئيل من التكلفة التقليدية. رأس المال العامل يدرّ عائدًا، والبطاقات تتيح الإنفاق، وتُزال الاحتكاكات.

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

لمن تناسب 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.

تتم التسويات عبر الممرات الناشئة.

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

إيداع بنكي، سحب بنكي، وكل شيء فيما بينهما.

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.

لماذا يجب أن أتوقف عن استخدام SWIFT؟

متريSWIFT / حوالة بنكيةLoam
Settlement time3–7 business days~5 seconds
Saving—up to 80% vs normal cost
Operating hours9–6 weekdays24/7, weekends included
Idle-balance yield0%up to 5%, daily
Counterparty checks (KYB)your responsibilityverified on the platform

أمن وضوابط سيعجب بها المدير المالي لديكم.

التحقق من KYB لكل طرف مقابل

يتم التحقق من كل كيان قبل أن يجرى له إجراء معاملات، مع فحص العقوبات واحتفاظ بسجلات الأطراف المقابلة في مكان واحد. يمكن لفرق الشؤون المالية مراجعة الأطراف المقابلة استنادًا إلى سجل موحّد قبل نقل الأموال، مما يقلل عدد الفحوصات اليدوية المنتشرة عبر البريد الإلكتروني وجداول البيانات.

الحفظ المنفصل

تظل الأموال في الحفظ المنظم مفصولة وقابلة للتتبع وقابلة للمطابقة بالكامل من التمويل وحتى الدفع. تم تصميم واجهة الحفظ لجعل الأرصدة التشغيلية وتدفقات التسوية ونشاط المدفوعات مفهومة لمراجعي الشؤون المالية.

سجل تدقيق كامل

يتم وضع طابع زمني على كل إجراء وتسوية وفاتورة، وجميعها قابلة للتصدير، حتى تتمكن المالية من تتبع كل رقم إلى مصدره. يمنح السجل الفرق مكانًا واحدًا لفحص من الذي أقر الحركة، ومتى تمت التسوية، وكيف ترتبط الفاتورة أو تعليمات الدفع الداعمة بالمبلغ النهائي.

الأسئلة الشائعة

ما تسأل عنه فرق المالية قبل الإطلاق.

هل تحتاج إلى المزيد؟ تستعرض Loam سير عملك المحدد في مكالمة مدتها 30 دقيقة.

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.

هل لا تزال لديك أسئلة؟ احجز جولة تعريفية مدتها 30 دقيقة

ابدأ بالتسوية في غضون دقائق.

التحقق من KYB في أقل من يوم. لا رسوم إعداد. لا حد أدنى. لا تجميد للأموال.

احجز مكالمة
جرّبها مباشرة