Dinero moderno para un mundo emergente.

Loam mueve dinero a través de 34 países y 5 continentes — al instante, a una fracción del costo tradicional. El capital de trabajo genera rendimiento, las tarjetas permiten gastar y se elimina la fricción.

Pruébalo en vivo
~5 sec
Average settlement time
24/7
Availability — vs 5 days a week on banking rails
80%
Average saving compared to local competitors
De nuestra red
Goldman SachsCitadelDeutsche BankTrafiguraGoogleDeepMindSolanaStellar

Para quién es 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.

Liquidado a través de corredores emergentes.

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

Entrada bancaria, salida bancaria y todo lo intermedio.

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.

¿Por qué debería dejar de usar SWIFT?

MétricaSWIFT / transferencia bancariaLoam
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

Seguridad y controles que a su CFO realmente le gustarán.

KYB para cada contraparte

Cada entidad se verifica antes de que pueda realizar transacciones, con controles de sanciones y registros de contrapartes guardados en un solo lugar. Los equipos financieros pueden revisar las contrapartes frente a un registro coherente antes de que se muevan los fondos, lo que reduce el número de comprobaciones manuales dispersas entre correos electrónicos y hojas de cálculo.

Custodia segregada

Los fondos en custodia regulada permanecen segregados, trazables y totalmente conciliables desde la financiación hasta el desembolso. La vista de custodia está diseñada para que los saldos operativos, los flujos de liquidación y la actividad de desembolsos sean comprensibles para los revisores financieros.

Registro completo de auditoría

Cada acción, liquidación y factura tiene marca de tiempo y se puede exportar, para que finanzas pueda rastrear cada cifra hasta su origen. El registro ofrece a los equipos un único lugar para inspeccionar quién aprobó un movimiento, cuándo se liquidó y cómo la factura o instrucción de pago de respaldo se relaciona con la cifra final.

Preguntas frecuentes

Lo que preguntan los equipos financieros antes de lanzar.

¿Aún necesita más? Loam repasa su flujo específico en una llamada de 30 minutos.

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.

¿Aún tiene preguntas? Reserve una demostración de 30 minutos

Comience a liquidar en minutos.

Verificación KYB en menos de un día. Sin cargos de configuración. Sin mínimos. Sin bloqueos.

Reservar una llamada
Pruébalo en vivo