Cloud9 Money

About Cloud9 Money

Cloud9 Money is a Kenyan-born financial technology company building borderless banking for freelancers, entrepreneurs and businesses across Africa. One app brings together salary, payments, savings, FX, investments and more: virtual bank accounts in multiple currencies(KES, USD, EUR, GBP, CNY, UGX, TZS, RWF), stablecoin wallets(USDT and USDC conversion to bank or mobile money wallets), anda payment card for online and in-store spend with up to 2% cashback on every payment. Transfers reach 100+ destinations via mobile money, stablecoins, bank, SWIFT and RTGS. \n\nCloud9 also offers business bankingfor importers, exporters and SMEs — global multi-currency accounts, expense management with bulk payoutsand expense cards, collection methods(cards, mobile money tills, payment links, QR codes),and loans and overdrafts for eligible businesses. The consumer app is freemium: a free Niner plan anda paid tier at KES 99/month, with a top tier at KES 999/month. Plans to add wealth management, credit, BNPL, cryptocurrency servicesand insurance are listed as coming soon. \n\nBanking services are provided by Choice MFB, regulated by the Central Bank of Kenya; Cloud Nine Payments Ltd is a financial technology company, not a bank,and Cloud Nine Global, Inc is not a stockbroker or investment adviser. The company has offices in Newark, Delaware, USA,and Nairobi, Kenya. \n\nKeywords: digital banking, neobank, fintech, Africa, mobile payments, financial services, cashback rewards, multi-currency account, FX, stablecoin wallet, money transfer, SME banking, business banking, freelancers, financial inclusion, Kenyan startup