Современные деньги для развивающегося мира.

Loam переводит деньги через 34 страны и 5 континентов — мгновенно и за долю стоимости традиционных переводов. Оборотный капитал приносит доход, карты позволяют тратить, а трение устранено.

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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
Из нашей сети
Goldman SachsCitadelDeutsche BankTrafiguraGoogleDeepMindSolanaStellar

Для кого 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.

Расчёты в развивающихся коридорах.

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

Ввод через банк, вывод через банк и всё между ними.

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.

Почему мне стоит перестать использовать SWIFT?

ПоказательSWIFT / банковский переводLoam
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

Безопасность и контроль — то, что действительно понравится вашему финансовому директору.

KYB-проверка каждого контрагента

Каждая организация проходит проверку до того, как сможет совершать операции; санкционный скрининг и записи о контрагентах хранятся в одном месте. Финансовые команды могут проверять контрагентов по единой записи до движения средств, сокращая число ручных проверок, разбросанных по электронной почте и таблицам.

Сегрегированное хранение

Средства у регулируемого кастодиана остаются сегрегированными, отслеживаемыми и полностью сверяемыми от пополнения до выплаты. Представление хранения разработано так, чтобы операционные балансы, расчетные потоки и активность выплат были понятны финансовым проверяющим.

Полный журнал аудита

Для каждого действия, расчета и инвойса фиксируется временная метка, и данные можно экспортировать, чтобы финансовая команда могла проследить каждую цифру до источника. Эта запись дает командам единое место, где можно проверить, кто одобрил движение средств, когда оно было рассчитано и как подтверждающий инвойс или платежная инструкция связаны с итоговой цифрой.

Часто задаваемые вопросы

Что спрашивают финансовые команды перед запуском.

Нужна дополнительная информация? Loam проведёт разбор вашего конкретного процесса на 30-минутном звонке.

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.

Остались вопросы? Записаться на 30‑минутный обзор

Начните расчёты через несколько минут.

KYB-проверка менее чем за день. Без платы за подключение. Без минимальных сумм. Без блокировок средств.

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