Introduction

Across Sub-Saharan Africa, 70% of economic activity is powered by informal businesses and SMEs. These businesses drive commerce, yet remain excluded from formal financial systems. Traditional banks find them too risky. Fintechs often treat them as end-users of payments rather than as economic hubs.

This gap is where Seesail emerges — not as just another POS or wallet app, but as the true embedded finance solution built for Africa’s small and medium businesses.

What Does “Embedded Finance” Mean in Africa?

In mature economies, embedded finance is about embedding payments, lending, or insurance into platforms like e-commerce or ride-hailing. But in Africa, the story is different. Here, embedded finance must solve daily operational struggles of small businesses:

Sales tracking
Inventory management
Payments acceptance (cash, MoMo, cards, bank)
Customer engagement
Access to working capital

For SMEs in Accra, Lagos, Nairobi, or Dakar, the challenge is not simply “digital payments” but how to run business end-to-end while being financially included.

Why Seesail is Different

Seesail is designed as an AI-powered Business Operating System (BOS), embedding finance into every workflow a business runs.

🔹 Sales + Payments in One

From selling food at a fair to running a mini-market, Seesail integrates point-of-sale with multi-channel payments (cash, MoMo, card, transfer).

🔹 Wallets & Expense Management

Merchants get business wallets that separate personal and business cash flows. Built-in tools for expense tracking and bill payments simplify financial management.

🔹 Send Feature

Merchants can send money — to suppliers, staff, or other Seesail merchants — directly from the app, leveraging PSP license rails through Forms Capital.

🔹 AI-Powered Insights

Instead of dashboards no one uses, Seesail sprinkles AI “magic” to give nudges:

“You are running out of Item X.”
“Your sales this week are 12% higher than last week.”
“Here’s a suggested promo for your top 20 customers.”

🔹 Credit Access

By capturing sales + inventory + expenses + payments, Seesail generates a real-time financial footprint that lenders can use to provide loans to businesses safely.

The PSP Advantage

Unlike most startups, Seesail isn’t just plugging into APIs. Through its partnership with Forms Capital (a licensed PSP and lending entity), Seesail directly integrates into GhIPSS infrastructure.

This means:

Lower transaction costs.
Faster settlements.
Regulatory compliance.
Ability to layer lending and other financial products seamlessly.

In short: Seesail isn’t building on top of finance — it is finance, embedded directly in business operations.

Market Impact

Seesail’s approach has the potential to:

Digitize millions of SMEs who have never used financial software before.
Lower costs of credit by giving banks real visibility into small business transactions.
Unlock new data economies, creating Africa’s first large-scale financial graph of informal commerce.

Why Now?

Smartphone penetration is surging in Africa, with mobile apps becoming the default entry to financial tools.
Regulatory support: Central banks are pushing for more SME formalization and financial inclusion.
Post-COVID digitization: SMEs are more open than ever to digital tools, especially ones that make operations simpler.

Seesail represents the true spirit of embedded finance in Sub-Saharan Africa. By integrating sales, payments, wallets, bills, customer engagement, and credit under one platform — all powered by AI and backed by a PSP license — Seesail is not just helping SMEs run businesses.

It is redefining how finance should be embedded in Africa: not around products, but around people and their daily livelihoods.

🌍 Seesail is not just building software; it’s building the rails of tomorrow’s African commerce.

Do you want me to:

Make a press-release style version (for TechCabal/TechCrunch style media), or
SEO-optimized blog version (for Seesail’s site, with keywords like “POS app in Ghana”, “SME finance Africa”)?

The True Embedded Finance Startup in Sub-Saharan Africa