Platforms we build, operate, and open up.
Each platform starts as a real problem we solve for ourselves. We run it until it's genuinely reliable, then offer it to other organisations who have the same problem. You're not buying a promise — you're getting something already working.
FloatInvest
FloatInvest helps approved suppliers turn corporate invoices into working capital through a structured financing workflow. Buyers keep their payment terms. Suppliers protect cash flow. Finance teams keep the paper trail visible.
invoice financing · operated with our banking partnersLearn more →Platform builtCarnaPay
CarnaPay brings healthcare wallets, claims, OPD financing, provider payments, and USSD access into one controlled platform. It reduces manual administration while keeping access possible beyond smartphone-only users.
healthcare payments · app · USSDLearn more →In developmentKerdos Score
Kerdos Score is being developed as a B2B credit-intelligence API that combines business signals into a clearer lending view. The goal is faster assessment with explainable factors, not black-box confidence.
B2B credit API · in developmentLearn more →Built · structuring in progressInvestor Platform
A capital platform for structured financing activity. The software is built, but investor participation stays gated while regulatory and governance work is completed. That discipline is part of the product.
capital platform · regulatory process respectedLearn more →Internal platformKerdos OS
Kerdos OS is the internal operating layer for identity, documentation, communications, observability, and workflow across group entities. It is being shaped for organisations that need order across many moving parts.
operational platform · one identityLearn more →Operating · productisingKAL Nexus
KAL Nexus coordinates a network of AI agents across reporting, compliance, knowledge, pipeline, talent, and this website. It turns incoming signals into structured work humans can review and act on.
autonomous agents · proven on ourselvesLearn more →Kerdos Institute sits beside the products because it trains the cohorts that build them.
The platforms show what we operate. The live Institute shows how we grow the builders: applied learning, mentor review, production context, and evidence that someone can do the work.
Cohorts train through institute.kerdosanalytics.ng, then apply that discipline to product surfaces, internal systems, and partner work.
How this portfolio is structured. Platforms marked Built are production-ready or entering the market. In development means we’re building it now. Structuring in progress means the platform is ready but we’re completing regulatory requirements before opening it. Internal means it runs our own operations — and may become available in future.