P2P agent network for cross-border stablecoin transfers in Africa
Accrue enables cross-border payments across Africa with near-instant settlement, using USD stablecoins behind the scenes. Their key wedge is Cashramp: a continent-wide P2P agent network that sources and distributes liquidity, letting Accrue expand coverage without waiting on slow, expensive traditional integrations.
The product looks like a payment app — familiar UX on the front end — but the back end is a real liquidity network built one agent at a time.
How a P2P agent network solves liquidity fragmentation across Africa
A P2P agent network turns thousands of individual traders, kiosks, and small businesses into a distributed liquidity layer: each agent quotes a buy and sell rate for the local currency, and the network routes orders to whichever agent can fill them fastest and cheapest. It's the practical answer to the FX fragmentation we describe in Onchain FX — and it's why agent-driven settlement consistently outperforms top-down corridor builds. This is core to our Simple Finance thesis, and to the argument in Liquidity Will Find a Way.
Why LAVA invested in Accrue
Accrue has a network of agents unlike anything else we've seen on the continent. It's a unique approach to solving payment fragmentation in Africa, packaged inside a payment app that ordinary users actually find usable.
We also like the team's discipline and capital efficiency — shipping, iterating, and building a real liquidity network (Cashramp) that can become a defensible moat. Accrue is building the kind of practical, distribution-driven payments infrastructure we think wins in emerging markets.