Cross-border stablecoin payments and treasury infrastructure for African businesses
Spotflow is a payments, FX, and settlement orchestration layer for global merchants operating across Africa. It is built by the people who wrote first cheques into Paystack, Flutterwave, and many others. They know where each of these rails works best and can leverage that in unique ways.
In practice, Spotflow turns "Africa is fragmented" from a tax into a system: one integration, many markets, with performance and redundancy baked in.
How payment orchestration solves African market fragmentation
African market fragmentation is the polite term for a hard operational reality: every country has its own payment processors, its own regulator, its own FX regime, and its own failure modes. Payment orchestration is the layer that abstracts that complexity — routing each transaction through the rail with the best uptime, price, and compliance fit at that moment, and falling back automatically when one rail breaks. It's the same orchestration logic we describe in Onchain FX, applied to the full payments stack, and a core building block of our Simple Finance thesis.
Why LAVA invested in Spotflow
Payments in Africa are not a single integration problem — they're an orchestration problem. Spotflow is built for the real constraints: uneven uptime, corridor-specific failure modes, and FX and settlement friction that silently destroys margins.
We also like founders with deep network and execution advantage in regulated markets. Spotflow's ability to translate between global merchants, local rails, and compliance realities positions it to become durable infrastructure as more international businesses expand across the continent.