A Global Treasury System Built for Emerging Markets
Overview
OSO Money operates a Treasury Outsourced Company (TOC) model, providing the platform and interface for global payments and FX. Execution and settlement run through regulated banking partners, including Capitec Bank, acting as an Authorised Dealer.
Process
Four Steps to Global Settlement
Onboard
Digital onboarding and compliance verification, done in minutes, not weeks.
Collect
Receive funds in local currency through named accounts in your operating market.
Convert
Access competitive FX pricing through institutional liquidity, not retail spreads.
Settle
Send funds globally in USD, GBP, EUR and 150+ currencies.
In Practice
Illustrative example: an import business in Kenya collects KES from local customers into a named OSO account, converts to USD at institutional rates, and settles a supplier invoice in under 48 hours, versus 5+ days through a correspondent-banking route.
Infrastructure
Two-Layer Architecture
OSO Money (Platform Layer)
- Onboarding
- Treasury management
- FX interface
Banking Partners (Execution Layer)
- Fund safeguarding
- Settlement
- Exchange Control processing