Dinheiro moderno para um mundo emergente.

A Loam movimenta dinheiro por 34 países e 5 continentes — instantaneamente, a uma fração do custo tradicional. Capital de giro rende retorno, cartões permitem que você gaste e o atrito é eliminado.

Experimente ao vivo
~5 sec
Average settlement time
24/7
Availability — vs 5 days a week on banking rails
80%
Average saving compared to local competitors
Da nossa rede
Goldman SachsCitadelDeutsche BankTrafiguraGoogleDeepMindSolanaStellar

Para quem é o 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 em 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 por banco, saída por banco e tudo o que acontece pelo meio.

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 que eu deveria parar de usar SWIFT?

MétricaSWIFT / transferência bancáriaLoam
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

Segurança e controles que seu CFO realmente vai gostar.

KYB para todas as contrapartes

Todas as entidades são verificadas antes de poderem transacionar, com verificação de sanções e registos de contrapartes mantidos num só lugar. As equipas financeiras podem rever as contrapartes com base num registo consistente antes de os fundos serem movimentados, reduzindo o número de verificações manuais dispersas por email e folhas de cálculo.

Custódia segregada

Os fundos em custódia regulamentada permanecem segregados, rastreáveis e totalmente reconciliáveis desde o financiamento até ao pagamento. A vista de custódia foi concebida para manter os saldos operacionais, os fluxos de liquidação e a atividade de pagamentos compreensíveis para os revisores financeiros.

Trilha de auditoria completa

Cada ação, liquidação e fatura recebe carimbo de data/hora e pode ser exportada, para que a equipe financeira possa rastrear cada valor até a origem. O registro oferece às equipes um único local para verificar quem aprovou um movimento, quando ele foi liquidado e como a fatura ou instrução de pagamento de suporte se relaciona com o valor final.

Perguntas frequentes

O que as equipes financeiras perguntam antes de enviarem.

Ainda precisa de mais? A Loam orienta sobre seu fluxo específico em uma chamada 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.

Ainda tem perguntas? Agende uma demonstração de 30 minutos

Comece a liquidar em minutos.

Verificação KYB em menos de um dia. Sem taxas de configuração. Sem valores mínimos. Sem períodos de bloqueio.

Agendar uma chamada
Experimente ao vivo