Storspay is already 5× cheaper than wires by removing the correspondent banking layer. The bigger bet is what's underneath: a fleet of specialized AI agents that will run the operations stack — KYC, FX, fraud, treasury, reconciliation, support, regulatory filings — 24/7, audited, bounded by hard regulatory rules. As volume compounds, our cost per transaction approaches zero. Incumbents can't follow because their cost structure is humans.
USDC on Base for settlement. Licensed in-country partners for last-mile delivery. Manual ops automated wherever they can be. Already 5× cheaper than the wire-transfer status quo.
KYC, fraud detection, FX routing, and customer support agents replace the human ops layer. Every decision is explained, audited, and bounded by hard regulatory rules. Margin expands as headcount stays flat.
Treasury management, reconciliation, and regulatory filings fully autonomous. Cost per transaction drops below $0.20. The network continues to settle while the team sleeps. This is the moat.
Verifies businesses and recipients across BVN, NIN, Ghana Card, sanctions, and document forensics. Decisions in seconds.
Scores every transaction in real time across velocity, device, behavior, and network graph. Pauses, escalates, or releases.
Pings multiple liquidity venues across NGN, GHS, KES, ZAR, MXN, BRL. Splits orders, locks rates, optimizes spread × fill.
Resolves payment status, refunds, and disputes across email and chat. Handles English, Spanish, Pidgin, Yoruba, Swahili, Twi.
Forecasts corridor demand, pre-positions float across local accounts, manages bank concentration risk autonomously.
Ingests partner-bank statements every minute. Matches inflows, flags variances, posts journal entries, closes books in real time.
Generates and files reports across FinCEN, FINTRAC, CBN, BoG, CBK. Tracks rule changes; ships compliance updates as code.
The conductor. Routes tasks across the fleet, escalates true exceptions to humans, logs every decision in an immutable audit trail.
Every legacy MTO and bank carries roughly $4 of human cost per transaction — compliance, FX, support, reconciliation. Those costs scale linearly with volume. Storspay's agentic stack inverts the curve. As we add transactions, the agents get better, our marginal cost falls, and our gross margin expands.
Forward-looking targets. Modeled bottom-up from agent compute, partner banking fees, and infrastructure. Detailed unit economics available to qualified investors on request.
Our founder is a Techstars alumnus and serial fintech operator. We are supported by leading accelerators, capital partners, and infrastructure ecosystems.
Our data room includes the pitch deck, financial model, unit economics by corridor, cap table, and SAFE terms. Tell us a bit about yourself and we'll send access within 24 hours.
Or email sam@storsapp.com directly. We respond within 24 hours.
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