Modern money for an emerging world.

Loam moves money across 34 countries and 5 continents — instantly, at a fraction of traditional cost. Working capital earns yield, cards allow you to spend, and friction is removed.

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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
From our network
Goldman SachsCitadelDeutsche BankTrafiguraGoogleDeepMindSolanaStellar

Who Loam is for

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.

Bank in, bank out, and everything in the middle.

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.

Security and controls your CFO will actually like.

KYB on every counterparty

Every entity is verified before it can transact, with sanctions screening and counterparty records kept in one place. Finance teams can review counterparties against a consistent record before funds move, reducing the number of manual checks scattered across email and spreadsheets.

Segregated custody

Funds in regulated custody stay segregated, traceable, and fully reconcilable from funding through payout. The custody view is designed to keep operating balances, settlement flows, and payout activity understandable to finance reviewers.

Full audit trail

Every action, settlement, and invoice is timestamped and exportable, so finance can trace each figure back to source. The record gives teams a single place to inspect who approved a movement, when it settled, and how the supporting invoice or payment instruction relates to the final figure.

Customer API

The settlement rail, callable from your stack.

Read trades, invoices and balances; move money to approved destinations. Every guarantee is published in the OpenAPI 3.1 contract and enforced below the API layer.

  • Trades, payments, treasury, listings and ramps in one contract
  • Idempotency-Key on every write — a replay returns the first outcome
  • Money scopes granted under step-up authentication, revocable on a bounded clock
Explore the API
POST /api/v1/payments
curl -X POST "$HOST/api/v1/payments" \
  -H "Authorization: Bearer $TOKEN" \
  -H "Idempotency-Key: pay-2026-08-14-0031" \
  -d '{
    "destination_id": "3f0c5f1e-…",
    "amount": 2500000,
    "currency": "USD"
  }'

// Response — 202 Accepted
{
  "id": "8c1d7a52-…",
  "status": "processing",
  "amount": 2500000,
  "currency": "USD"
}

Settled across emerging 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
FAQ

What finance teams ask before they ship.

Still need more? Loam walks through your specific flow on a 30-minute call.

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.

Still have questions? Book a 30-min walkthrough

Start settling in minutes.

KYB verification in under a day. No setup fees. No minimums. No lock-ups.

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Loam is operated by Agridex Limited, company no. 13184186, registered in England and Wales, with registered office at Thomas House, 84 Eccleston Square, London, England, SW1V 1PX

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