We build the software infrastructure that turns any African retailer into a layby business in under an hour. No bank required. Mobile money rails, WhatsApp-first, multi-currency.
Numbers from our first paying-design-partner — Appliance & Home in Harare. Launched 14 May 2026 with zero marketing.
57% of Sub-Saharan African adults are unbanked. They can't access store credit. They can't use BNPL apps. They pay over time the way their parents did — at the counter, in cash, with a notebook. We turn that into software.
Retailers run layby on WhatsApp screenshots and exercise books. Customers and shopkeepers argue about what was paid. Trust is the friction.
The 400M unbanked are invisible to traditional finance. BNPL apps require KYC the unbanked majority cannot pass. Layby is the only working credit substitute.
Shopify ignores layby. Custom software is out of reach for a Harare or Lagos shop. We are the missing software layer purpose-built for African retail.
Layby Africa is the infrastructure layer. Country-specific brands run on top of it. Real retailers are the customer-facing tenants. One platform, many fronts.
The platform, the company, the investor face. SaaS for retailers across the continent.
Our Zimbabwe-market brand. Live since May 2026. First of N country brands as we expand across SADC.
Our design-partner retailer in Harare. Selling appliances on layby through our platform every day.
We're onboarding tenants 2 through 10 right now in Zimbabwe. Get in touch.