Topos Network | Supercharging remittances

ABOUT US

Topos is unlocking a new asset class.

Billions of people are underbanked and underserved while trillions of dollars in annual remittances are grossly underutilised.

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HOW IT WORKS

We transform remittances into financial assets.

Remitters channel their funds into pledges, held in escrow. These pledges back formal credit lines for intended receivers in underserved regions. The result? Low-risk, low-cost credit where it’s needed most.

Over $1.6 trillion

in annual global remittances is turned into a socially & financially productive asset

Over 500 million people

can now apply for fair credit with a collateral asset tha has always been there

Over 2 billion people

are empowered and get a strong boost to continue their path towards financial resilience

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WHY START USING TOPOS?

total
pledger
expenses

UP TO

2x

LESS

assuming channelling 50% of regular $250 remittances through Topos

costs
per $
issued

UP TO

40%

LOWER

compared to conventional remittances at 10% fees, when using Topos for 12 months

borrower
received
funds

UP TO

3x

assuming channelling 50% of regular $250 remittances through Topos for 12 months

How it works

WHO WE ARE BUILT FOR

Linked by trust.
Empowered by Topos.

Pledgers

“I already send money home, but I want it to go further.”

With Topos, your support does more than cover expenses - lasting progress for the people you care about.

For pledgers

Borrowers

“I need credit to grow, but I don’t have collateral or a credit score.”

Topos gives you fair, flexible credit backed by the people who already believe in you .

For borrowers

HOW WE OPERATE

Topos works together with world-class partners.

In borrower markets

Topos helps you expand your loan book and reach new segments — with offshore-backed collateral, digital rails, and ready-to-deploy credit logic.

✓

Banks & MFIs

✓

Telcos & CICO networks

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In pledger markets

Topos turns outbound remittances into a recurring value loop: higher impact for families back home, and new monetization opportunities where the funds originate.

✓

PSPs & MTOs

✓

Diaspora platforms

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For global impact

Topos is the infrastructure layer that transforms informal capital into bankable credit and measurable impact — at scale.

✓

Government initiatives

✓

Donors & NGOs

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Remittances
rewritten for resilience.

Topos is unlocking a new asset class.

We transform remittances into financial assets.

2x

40%