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.
Behind every model release is a workforce of millions — annotators, raters, and data contributors paid weekly, in small amounts, at enormous volume. That workforce is increasingly in Africa.
4.7 million developers, growing 21% a year — the fastest in the world. Seven African countries now sit in the world's top 25 outsourcing destinations, and Nigeria holds the continent's largest developer pool.
The largest payout rails do not cover Nigeria or Ghana, so platforms block those workers outright. Storspay turns that supply back on — same-day, into the bank account or mobile wallet the worker already has.
A platform's own AI agent can run the payout list inside limits a human sets, with a human approval step before any money moves. The payment layer for AI's workforce, operable by AI itself.
When a payout rail skips a country, platforms don't absorb the friction — they switch the country off at signup. That is a hole in the product of every platform that wants this workforce, and it is the wedge Storspay enters through.
See how we sell this wedge: Storspay for platforms →
Here's where the business stands today.
And here's where it goes.
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.
Every phase widens the same advantage: cost.
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.
The agents below are how that cost curve bends.
Verifies businesses and recipients across BVN, NIN, sanctions, and document forensics. Decisions in seconds.
Scores every transaction in real time across velocity, device, behavior, and network graph. Pauses, escalates, or releases.
Generates and files reports across FinCEN, FINTRAC, CBN, CBK. Tracks rule changes; ships compliance updates as code.
Pings multiple liquidity venues across NGN, KES, ZAR, MXN, BRL. Splits orders, locks rates, optimizes spread × fill.
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.
Resolves payment status, refunds, and disputes across email and chat. Handles English, Spanish, Pidgin, Yoruba, Swahili, Twi.
The conductor. Routes tasks across the fleet, escalates true exceptions to humans, logs every decision in an immutable audit trail.
The first externally visible piece of this stack is the agent payouts API — an MCP tool that lets a customer's own agent send payouts inside human-set mandates. Live today — verified businesses get keys on request. See it at storspay.com/developers →
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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