A portfolio that compounds.
Each product makes the next easier to build and cheaper to operate, all on a single shared backbone. We describe what is built and what is not — plainly.
FloatInvest
Invoice financing for Nigerian SME vendors supplying listed corporate buyers. Up to 90% of face value advanced within a day on banking-partner rails.
operated with our banking partnersLearn more →Platform builtCarnaPay
The operating system for corporate healthcare payments — wallets, claims adjudication, OPD financing, EMR connectors and USSD access from one platform.
portals · mobile · USSDLearn more →In developmentKerdos Score
A B2B credit-intelligence API for banks, lenders and BNPLs — sharpened by a captive transaction stream most scoring competitors do not have.
credit engine · first to graduateLearn more →Built · structuring in progressInvestor Platform
Capital aggregation for the financing book. The platform is built; the regulatory structuring is underway. No investor funds are raised until it is complete.
regulatory perimeter respected, plainlyLearn more →Internal platformKerdos OS
A self-hosted, multi-tenant operational platform — identity, code, docs, comms, observability — under one sign-in for every subsidiary. Productisable by choice.
one identity · one surfaceLearn more →Operating · productisingKAL Nexus
An autonomous business operating system — agents that watch, process and surface what matters, so the work becomes review, decide, approve.
demonstrated on ourselves firstLearn more →