# Accrue

> Accrue is a Ghana- and Nigeria-rooted fintech that moves money across Africa and the US using a stablecoin agent network.

Source: https://www.neobank.wiki/wiki/accrue
Last updated: 2026-08-12
Categories: Financial technology, Ghana neobanks, Nigeria neobanks, Payment platforms, Remittance platforms, Consumer neobanks, Companies founded in 2022

**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.[^ac1]

## 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](/wiki/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.[^ac2]

## 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

- [Accrue official website](https://useaccrue.com/)

## Infobox

- **Type**: Private
- **Founded**: 2022
- **Founders**: Clinton Mbah, Adesuwa Omoruyi, Zino Asamaige
- **Headquarters**: Accra / Lagos
- **Focus**: Intra-Africa payments / USD savings
- **Model**: Stablecoin agent network
- **X**: @useaccrue
- **Website**: [useaccrue.com](https://useaccrue.com/)

## 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/.


## References

[^ac1]: Accrue offers Africa–US sends, dollar savings and virtual cards via a stablecoin agent network. — https://useaccrue.com/
[^ac2]: 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/