Cauridor
Cauridor operates a B2B payment-infrastructure platform that unifies African mobile money operators, banks, and international money transfer operators through a single API, enabling real-time cross-border payouts to mobile wallets, bank accounts and cash across 36 African countries.
- Company typePrivate
- Founded2022
- HeadquartersLewes, United States
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Cauridor does
Cauridor operates a B2B payment-infrastructure platform that unifies African mobile money operators, banks, merchants, and international money transfer operators (MTOs) through a single API. The underlying Interoperability Hub connects global MTOs (MoneyGram, Western Union, Ria, Taptap Send) with African mobile wallets (MTN, Orange Money, Afrimoney, Wave) and banks (UBA, Ecobank, GTBank), enabling real-time digital payouts to mobile wallets, bank accounts, or cash pickup across 36 African countries plus Canada and the United States. On top of the hub sit four service modules — International Money Transfer Aggregation, Cross Border Payments, Payment Collection, and Bulk Disbursements — complemented by the BNB CashApp consumer wallet and a 48,000-location agent network. The company originated as a 2022 spin-out from BNB Transfer Corp (founded in Canada in 2011 as EZ Money Transfer), rebranded to Cauridor in January 2026, and is Delaware-incorporated with operational offices in Toronto, Dakar and Abidjan.
Cauridor monetizes primarily through B2B transaction fees and FX margin on cross-border payment flows routed through its rails, plus consumer remittance fees on the BNB CashApp and Cauridor Online Service. Distribution mixes direct enterprise sales via single-API integration, white-label/co-branded partner channels (MoneyGram, Orange Money, Afrimoney), a licensed agent network, and direct-to-consumer self-serve channels. The platform reaches 465M+ connected mobile wallets, processes 25 currencies, and handled approximately $300M-$500M in transaction volume in 2023 across Francophone and West African corridors. Leadership has been actively professionalized through 2026 hires including a former Flutterwave Global Head of Operations as COO and a Paga/KingMakers/Reliance Health veteran as Chief People Officer, with $13M of cumulative disclosed funding led by Oui Capital, Proparco, BKR Capital, Flourish Ventures and LoftyInc Capital.
Cauridor firmographics
Firmographics- Name
- Cauridor
- Legal name
- Cauridor
- Website
- https://cauridor.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Cauridor operates a B2B payment-infrastructure platform that unifies African mobile money operators, banks, and international money transfer operators through a single API, enabling real-time cross-border payouts to mobile wallets, bank accounts and cash across 36 African countries.
- Ownership category
- akta.pro rank
Cauridor industry classification
Industry- Product category
- Cross-Border Payment Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Other Nondepository Credit Intermediation (52229)
- akta.pro primary industry
- Merchant Cross-Border Collections (Pay-ins) & Local Payment Methods (FSAGAKAD)
- akta.pro secondary industries
- Cross-Border Payouts & Mass Disbursements (Pay-outs) (FSAMAIAJ), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)
Keywords
Where Cauridor is headquartered
LocationHeadquarters
- HQ city
- Lewes
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
Cauridor business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales
Revenue model
- Cross-border payment transaction fees: Revenue generated from B2B processing fees on cross-border money transfers routed through Cauridor's payment rails connecting international MTOs to African mobile wallets, bank accounts and cash agents. Includes FX margin on currency conversion.
- International Money Transfer Aggregation fees: Fees earned by aggregating payout options for global MTOs on behalf of African recipients, including processing fees for digital payouts into mobile wallets, banks and cash pickup through agent network.
- Consumer remittance fees (BnB / Cauridor Online Service): Consumer Fees charged to senders on online money transfers, plus currency exchange rate margin on converted pay-out amounts as disclosed in the Cauridor Online Service terms and conditions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| — | — | Consumer online money transfer pricing |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels6 records
Cauridor product offering
Product offeringCore offering
Cauridor provides a single-API payment interoperability hub that connects mobile money operators, banks, merchants, and international money transfer operators, enabling real-time local and cross-border payments to mobile wallets, bank accounts, and cash pickup points across 36+ African countries. Its services span International Money Transfer Aggregation, Cross Border Payments, Payment Collection, and Bulk Disbursements for enterprise clients, supplemented by a consumer remittance product (BNB CashApp) and a 48,000+ agent network for last-mile cash payout.
Product overview
Cauridor operates a unified B2B payment infrastructure platform that delivers cross-border payment rails across more than 36 African countries, plus Canada and the United States, through a single API integration. The core platform is branded around an Interoperability Hub that aggregates mobile money operators (e.g., MTN, Orange Money), banks (e.g., UBA, Ecobank, GTBank), and merchant networks into one interoperable stack. On top of this hub sit four core service modules — International Money Transfer Aggregation, Cross Border Payments, Payment Collection, and Bulk Disbursements — which together enable partners to send and receive money to, from, and within Africa via mobile wallet, bank account, or cash pickup. The consumer-facing surface of the platform is delivered through the BNB CashApp sub-brand (and its agent network), which provides retail remittance and cash-pickup services, while the Agent Portal App equips distribution agents in local markets with compliance, treasury, and transaction tooling. Cauridor's positioning emphasizes market-beating FX rates, local customer support teams, and interoperability as the foundation for serving international money transfer operators (MoneyGram, Western Union, Ria, Taptap Send), mobile money operators (MTN, Orange Money, Afrimoney, Wave), and banks (Ecobank, UBA, GTBank).
Differentiator
Problem solved
Functional benefit
Brands
- BnB: Consumer-facing brand through which customers send and receive money transfers directly through the BNB CashApp wallet or in cash through an extensive network of agent locations in each market.
- BNB CashApp
- BNB Liberia
Products and services
- International Money Transfer Aggregation A single-API processing hub that aggregates international money transfer operators and fintechs, providing real-time digital payout options (mobile wallet, bank account, or cash) to customers in Africa through local-language customer support and market-beating FX rates.
- Cross Border Payments B2B cross-border payment infrastructure enabling mobile network operators, banks, fintechs, and agent networks to process payments to bank accounts worldwide, mobile wallets, or cash pickup across Africa and the rest of the world.
- Payment Collection A merchant payment-acceptance platform allowing global companies and African merchants to receive payments from multiple African bank and mobile money sources through a single, integrated, traceable and transparent mobile platform with simple reconciliation.
- Bulk Disbursements An end-to-end digital payout solution for businesses, NGOs, and payroll operations needing to disburse funds to large recipient groups (10 to 100,000 people) in a single automated action, with real-time delivery to bank accounts or mobile wallets.
- BNB CashApp (BnB) Consumer-facing money transfer application and B2C brand of Cauridor (formerly BnB Transfer Corp), enabling customers to send and receive international money transfers directly through the BNB CashApp wallet or in cash through an extensive agent network.
Quantifiable outcome
- $300M in transactions processed in 2023 through Francophone Africa cross-border platform
- +4 more outcomes
Companies that use Cauridor
Customer profileNamed customers13 records
Segments7 records
Ideal customer profiles5 records
Cauridor technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration14 records
Feature7 records
Cauridor partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core — flagship regional mno partnership, minor — sierra leone brand ambassador, core — embedded risk infrastructure, flagship — major global mto partner, core — established consumer remittance partnership, core — west african mobile money partnership, flagship — leading pan-african mno, flagship — major global mto, core — major global mto, core — pan-african bank partner, minor — nigerian bank partner, minor — diaspora remittance partner and minor — mobile money partner.
- Orange Money Liberiacore — flagship regional mno partnershipBNB Liberia partnered with Orange Money Liberia to launch an International Remittance Outbound Service. Enables Orange Money customers to send money from Liberia to multiple African countries including Ghana, Sierra Leone, Guinea, Côte d'Ivoire, Senegal, Mali, Uganda, and Rwanda via *144*113#. Free for first three months.
- Vickie Remoeminor — sierra leone brand ambassadorSierra Leone multimedia content producer and entrepreneur appointed as BnB brand ambassador. Leads initiatives to educate the public on digital remittances and make BnB a household name in the Sierra Leone community, leveraging her Vickie Remoe Show platform.
- Orca Fraudcore — embedded risk infrastructureEmbedded Orca Fraud's fraud detection and compliance orchestration platform across Cauridor's cross-border payment infrastructure. Provides unified risk visibility, real-time detection with explainable decisioning, and centralized audit trails across African, Canadian and US corridors.
- MoneyGramflagship — major global mto partnerExtended integration enables MoneyGram customers to send funds seamlessly to mobile wallets and bank accounts across many African countries via Cauridor's payment processing. Partnership dates back to 2016 (originally retail cash pickup in Guinea, Sierra Leone and Liberia) and has expanded into digital payments and wider geographic scope.
- Orange Money Sierra Leonecore — established consumer remittance partnershipBNB Mobile App for overseas money transactions was officially commissioned in collaboration with Orange Money Sierra Leone to ease international money transfer and support financial inclusion; partnership originally launched in 2000 with Orange Money Overseas.
- Afrimoney (Africell)core — west african mobile money partnershipPartnership enables Afrimoney customers to receive international remittances directly into their Afrimoney mobile money accounts via the BNB platform, accelerating cross-border transfers to Sierra Leone.
- MTN Groupflagship — leading pan-african mnoMobile network operator partner integrated into Cauridor's interoperability hub and listed as investor on About Us page; enables mobile wallet-based payouts across multiple African countries.
- Western Unionflagship — major global mtoLong-standing MTO partner since BNB Transfer Corp era; enables digital payout and last-mile distribution in African markets through Cauridor's API and agent network.
- Ria Money Transfercore — major global mtoMTO partner routing cross-border remittances to African mobile wallets and bank accounts through Cauridor's single-API platform.
- UBA (United Bank for Africa)core — pan-african bank partnerBank partner integrated into Cauridor's single-platform payments infrastructure for interoperable cross-border and local transactions.
- Ecobankcore — pan-african bank partnerPan-African bank integrated as payout / payment partner on the Cauridor network.
- Guaranty Trust Bank (GTBank / GTCO)minor — nigerian bank partnerListed as a partner bank in Cauridor's ecosystem for cross-border and local payment flows.
- Taptap Sendminor — diaspora remittance partnerListed as a global money transfer partner whose transfers are processed and paid out across African corridors via Cauridor's network.
- Waveminor — mobile money partnerMobile money partner integrated into Cauridor's payment ecosystem for cross-border flows.
Scale indicators12 records
Recent moves7 records
Expansion highlights6 records
Cauridor competitors and assessment
Company assessmentDirect peers
- Thunes: Global cross-border payments network connecting mobile wallets, banks and MTOs with a single API — directly comparable to Cauridor's interoperability hub in both model and target partners.
- Onafriq (formerly MFS Africa): Pan-African mobile money interoperability and cross-border payments network. Operates the same hub-and-spoke model connecting MTOs, MNOs and banks across the continent, making it the closest direct competitor to Cauridor's interoperability hub.
Broad incumbents
- Flutterwave: Pan-African payments infrastructure company offering cross-border, collection and disbursement APIs. Cauridor hired Flutterwave's former Global Head of Operations as COO, underscoring the overlap in product scope and competitive dynamics.
- Chipper Cash: Pan-African cross-border money transfer and payments app serving diaspora and intra-African corridors. Overlaps with Cauridor on consumer remittances and Africa–global payout infrastructure.
- Payoneer: Cross-border B2B payments and mass-payouts platform serving marketplaces, freelancers and enterprises in emerging markets. Overlaps with Cauridor's Bulk Disbursements use case and global payout network.
- dLocal: Cross-border payments platform specializing in emerging markets, including Africa. Comparable to Cauridor on merchant payment collection, payouts and emerging-market FX, though with a much broader geographic footprint.
- WorldRemit (Zepz): Global digital remittance company with deep African mobile-wallet payout coverage. Comparable to Cauridor in serving the same MTO-to-mobile-wallet corridor that Cauridor monetizes for partners like MoneyGram and Ria.
Regional players
- Paystack: Nigeria-anchored online payments gateway (Stripe-owned) processing pan-African card and bank payments. Comparable to Cauridor's Payment Collection module in unifying fragmented African payment methods for merchants.
Emerging players
- LemFi: Diaspora-led remittance and payments app for African and other emerging-market corridors. Overlaps with Cauridor on diaspora-to-mobile-wallet remittance flows and FX corridor economics.
- Nala: Africa-focused remittance and business payments platform built on mobile money rails. Competes with Cauridor in diaspora-to-Africa remittance payouts into mobile wallets and bank accounts.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Cauridor social profiles
Digital presenceCauridor financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cauridor leadership team
Management profileNumber of profiles
Profiles10 records
Cauridor subsidiaries and ownership
Company hierarchySubsidiaries1 record
Cauridor funding detail
Funding detailFunding overview
Funding rounds3 records
Investors5 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cauridor M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Cauridor
What does Cauridor do?
Cauridor provides a single-API payment interoperability hub that connects mobile money operators, banks, merchants, and international money transfer operators, enabling real-time local and cross-border payments to mobile wallets, bank accounts, and cash pickup points across 36+ African countries. Its services span International Money Transfer Aggregation, Cross Border Payments, Payment Collection, and Bulk Disbursements for enterprise clients, supplemented by a consumer remittance product (BNB CashApp) and a 48,000+ agent network for last-mile cash payout.
Is Cauridor a public or private company?
Cauridor is a private company. It is classified as venture growth investor backed and is currently operating.
When was Cauridor founded?
Cauridor was founded in 2022. It employs 101 to 250 people.
Where is Cauridor based?
Cauridor is headquartered in Lewes, United States, in the North America region.
How does Cauridor make money?
Three revenue lines are on record. Cross-border payment transaction fees are the primary driver. The others are international Money Transfer Aggregation fees and consumer remittance fees (BnB / Cauridor Online Service).
Who are Cauridor's main competitors?
Direct peers on record are Thunes and Onafriq (formerly MFS Africa). Broad incumbents are Flutterwave, Chipper Cash, Payoneer, dLocal and WorldRemit (Zepz). Paystack is listed as a regional player. Emerging players are LemFi and Nala.
Does Cauridor have an API?
Yes. Cauridor offers a single-API integration that acts as a processing hub for international money transfers. Through this single API, the company integrates mobile money providers, banks, and international money transfer operators, enabling seamless, interoperable cross-border payments across African countries. Developers/businesses can use the API to access payment networks in Africa for processing money transfers and payments to, from, and within Africa via one integration, with payout options onto mobile wallets, in cash, or into bank accounts. Real-time processing and market-beating exchange rates are supported.
What industry is Cauridor in?
Cauridor's product category is Cross-Border Payment Infrastructure. Its primary akta.pro industry code is FSAGAKAD, Merchant Cross-Border Collections (Pay-ins) & Local Payment Methods, with a secondary code of FSAMAIAJ, Cross-Border Payouts & Mass Disbursements (Pay-outs). Its NAICS code is 52232.