Capi Money GTM brain

Capi Money provides international supplier payments and multi-currency balances for businesses trading in emerging markets.

category

Cross-border business payments

market profile

  • text: African importers can face expensive foreign exchange and long waits when settling international invoices.
  • text: Capi combines payment routes, foreign currency balances and transaction tracking; corporate cards are advertised as coming soon.

personas

  • title: Owner of an importing SME
    pains:
    • Suppliers will not ship until international invoices settle, tying up inventory and working capital.
    • Local banks may quote costly or unavailable foreign exchange.
  • title: Treasury or finance director at a large importer
    pains:
    • Obtaining reliable hard currency and knowing where transfers stand is difficult.
    • The team needs permissions and repeatable approval processes across international payments.
  • title: Group finance controller
    pains:
    • Moving group payments and dividends between entities competes for bank attention.
    • FX timing and the status of international transfers are hard to coordinate.

icp

  • text: Emerging-market SMEs and sole traders importing goods from overseas suppliers, particularly businesses in African trade corridors.
  • text: Larger importers and international groups with recurring supplier, intercompany or dividend payments and demand for USD or EUR balances.

message pillars

  • text: Pay international suppliers across multiple routes and currencies.
  • text: Control when local currency is converted.
  • text: Give teams visibility into transfers.

objections

  • objection: Will the payment corridor and local currency we use be supported?
    response: Confirm the exact originating country, currency, recipient and payment route before comparing quotes.
  • objection: How do rates and settlement times compare with our bank?
    response: Request a live quote and compare the all-in cost and expected delivery for a representative invoice.

competitors

  • name: AZA Finance
    why: Cross-border African business FX and payments competitor identified in market coverage.
  • name: Airwallex
    why: Offers business international payments and multi-currency accounts.
  • name: Ebury
    why: Provides international business payments and foreign exchange.

influencers

  • name: Scott Liddle
    url: https://www.ycombinator.com/founders/scott-liddle
    why: Co-founder discussing emerging-market trade and payments.

keywords

  • pay international suppliers Africa
  • African importer foreign exchange
  • international business payments Africa
  • pay Chinese suppliers from Africa
  • multi currency business account
  • emerging markets supplier payments

voice

  • direct and trade-focused
  • practical and speed-oriented

signals

  • text: An importer is expanding supplier relationships in China or other international markets.
  • text: A finance team reports delayed supplier payments or difficulty sourcing hard currency.

hiring

  • Launcher

pricing

model: unknown

motion

hybrid

channels

  • LinkedIn
  • partner network
  • WhatsApp
  • website
  • sales

confidence

medium

Founders

  • name: Mitch Riley
    title: Founder/CEO
    role: CEO
    bio: Co-founder and CEO of Capi Money (S23). Ex COO/CFO/GC of Taptap Send, a unicorn remittance company sending billions of dollars a year into Africa. Spent 4.5 years setting up new markets in Africa and LatAm for GiveDirectly and managing field operations. Recovering lawyer (ex Cravath)
  • name: Scott Liddle
    title: Founder
    role: Founder
    bio: Cofounder leading expansion at Capi Money. Previously CRO/CMO at Taptap Send, a unicorn remittance app: launched 25 markets across Africa, Asia and LatAm. Founded SpareHand volunteer platform in the UK: 1M meals delivered in Covid. Special Advisor to Rory Stewart, UK Secretary of State for International Development. Regional Director at Turquoise Mountain managing ~200 ppl across Middle East and Afghanistan. Speaks half a dozen languages.

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