Modern geld voor een opkomende wereld.

Loam verplaatst geld tussen 34 landen op 5 continenten — direct, tegen een fractie van de gebruikelijke kosten. Werkkapitaal genereert rendement, kaarten maken uitgaven mogelijk, en frictie verdwijnt.

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

Voor wie Loam is

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.

Afgewikkeld over opkomende corridors.

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

Via bank erin, via bank eruit, en alles daartussen.

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.

Waarom zou ik stoppen met het gebruik van SWIFT?

MaatstafSWIFT / bankoverschrijvingLoam
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

Beveiliging en controles die uw CFO echt zal waarderen.

KYB voor elke tegenpartij

Elke entiteit wordt geverifieerd voordat ze transacties kan uitvoeren, met sanctiescreening en tegenpartijgegevens op één plek. Financeteams kunnen tegenpartijen beoordelen aan de hand van een consistent dossier voordat geld wordt verplaatst, waardoor er minder handmatige controles verspreid over e-mail en spreadsheets nodig zijn.

Gescheiden bewaring

Tegoeden in gereguleerde bewaring blijven gescheiden, traceerbaar en volledig reconcilieerbaar van storting tot uitbetaling. De custody-weergave is ontworpen om operationele saldi, afwikkelingsstromen en uitbetalingsactiviteiten inzichtelijk te houden voor financiële beoordelaars.

Volledig auditspoor

Elke actie, afwikkeling en factuur krijgt een tijdstempel en kan worden geëxporteerd, zodat finance elk bedrag kan herleiden naar de bron. Het dossier biedt teams één plek om te bekijken wie een verplaatsing heeft goedgekeurd, wanneer deze is afgewikkeld en hoe de ondersteunende factuur of betalingsinstructie verband houdt met het uiteindelijke bedrag.

Veelgestelde vragen

Wat financiële teams vragen voordat ze het uitrollen.

Heb je nog meer nodig? Loam doorloopt jouw specifieke proces tijdens een gesprek van 30 minuten.

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.

Nog vragen? Plan een rondleiding van 30 minuten

Begin met afwikkelen in enkele minuten.

KYB-verificatie binnen een dag. Geen setupkosten. Geen minima. Geen lock-ups.

Plan een gesprek
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