Topos builds financial infrastructure in frontier markets, giving one billion people access to fair and non-exploitative banking for the first time.
The bank for one billion people
We build banks in countries where access to financial services sees a huge disparity between the privileged tiers of the population and underserved ones.
Bank-in-a-box technology for agent banking, compliance ready and with automated liquidity management and rebalancing processes to minimize systemic risks.
Channel agnosticity by design. Compatible even with feature phones - no internet needed.
Deposits are 100% guaranteed, regardless of local central bank policies.
Either uncollateralized via behavioural risk assesment, or collateralized, via cross-border guarantors.
A global network of trusted agents who bank their community members.
Funds and remittances are effortlessly disbursed even in the most underserved areas.
Topos' technology is developed constantly improved to serve one goal: bring the most advanced digital banking solutions to the underserved, thus integrating them with the global financial ecosystem.
Think globally, act locally - Topos is active on three continents.
We establish ourselves in new markets following one of two business models:
We bring Topos to a specific country in partnership with local stakeholders to leverage the knowledge of the market and maximize the potential of Topos' technology and its global resources.
We offer our Agent Banking Platform as a white label to existing financial institutions looking to bring their offering to a broader customer base or upsell international lending and remittances.
Create real value through state-of-the-art agent banking technology.
Become part of a global banking network.
Access global credit scoring and international liquidity resources.
Increase the efficiency of disbursing funds and remittances.
Diversify your portfolio by investing in emerging communities.
Contribute to the growth of untapped financial markets.
Topos Network is a global enterprise leveraging technology to foster financial inclusion and resilience worldwide.
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