Accrue
Accrue is a financial technology company that lets consumers send money across African countries and the United States in minutes, save in dollars and spend on virtual cards. Co-founded in 2022 by Clinton Mbah, Adesuwa Omoruyi and Zino Asamaige—alumni of Nigerian crypto infrastructure firm Helicarrier—it runs a human agent network (Cashramp) that converts local cash to USD stablecoins and back.1
History
Accrue began as a beginner investing product and pivoted when the founders saw how hard it was to send money between Ghana and Nigeria. Cashramp agents in 15+ countries take local currency or stablecoins and settle the other side like a programmable M-Pesa. A $1.58 million seed round led by Lattice Fund (January 2025) funded corridor depth. In 2026 Accrue launched Accrue Business with USD/EUR virtual accounts, invoicing, cards and stablecoin payroll.2
Founders
Clinton Mbah is co-founder and chief executive officer, based in Accra.
Adesuwa Omoruyi is co-founder (Forbes Africa 30 Under 30) and a public voice for intra-Africa stablecoin rails.
Zino Asamaige is co-founder, completing the Helicarrier-alumni trio.
Model
Accrue is a payments and dollar-savings fintech, not a deposit-taking bank. Liquidity comes from agents who warehouse stablecoins and local cash; the consumer app hides the crypto. Deepest corridors are Ghana, Nigeria, Kenya and Cameroon. Dollar savings pockets advertise daily interest (around 2% p.a. in marketing) with no lock-up.
Products
Cross-border sends (bank, MoMo, M-Pesa) in under five minutes; named USD accounts; virtual dollar cards; dollar savings pockets, vaults and group challenges; payment links; and Accrue Business for SME collections and payroll.
External links
References
- Accrue offers Africa–US sends, dollar savings and virtual cards via a stablecoin agent network. https://useaccrue.com/
- TechCabal reported Accrue Business and a $1.58 million seed led by Lattice Fund, with agents in 15+ African countries (July 2026). https://techcabal.com/2026/07/10/accrue-launches-accrue-business/
Frequently asked questions
- What is Accrue?
- Accrue is a Ghana- and Nigeria-rooted fintech that moves money across Africa and the US using a stablecoin agent network.
- When was Accrue founded?
- Accrue was founded in 2022.
- Where is Accrue headquartered?
- Accrue is headquartered in Accra / Lagos.
- Who founded Accrue?
- Accrue was founded by Clinton Mbah, Adesuwa Omoruyi, Zino Asamaige.
- What type of company is Accrue?
- Accrue is described as Stablecoin agent network in its neobank.wiki profile.
- What is the official Accrue website?
- The official website for Accrue is https://useaccrue.com/.
See also
- Airwallex — Airwallex is an Australian-founded business fintech for global accounts, payments and spend management.
- Alex Johnson — Alex Johnson is the founder of Fintech Takes, a widely read fintech newsletter and podcast; he is active on X as @AlexH_Johnson.
- Alexandre Prot — Alexandre Prot is co-founder and CEO of Qonto, the Paris-based European business neobank.
- Ali Niknam — Ali Niknam is founder and CEO of Bunq, the Amsterdam-based licensed Dutch neobank.
- Ally Bank — Ally Bank is a large U.S. online bank offering deposits, loans and investment products without branches.