The ecosystem
Interoperability & Value-Added Services
23Market sits between the national payment rail and the people, businesses and institutions that need to use it every day.
23Market is a fintech infrastructure and value-added services company operating above Guinea's national instant payment rail — connecting banks, mobile money, merchants, government and developers with practical software built on interoperability.
23Market Fintech is a technology-driven platform focused on building accessible, practical and innovative digital solutions for emerging markets. We believe access to digital commerce and financial services should not depend on high-speed internet, expensive devices or complex systems.
Through the 23Market ecosystem, we connect commerce, technology and financial innovation to create simpler, more inclusive digital experiences — for individuals, entrepreneurs and businesses operating in low-bandwidth, rapidly evolving digital environments.
23Market does not compete with Guinea's national payment infrastructure. It becomes the commercial and service layer that makes instant payments useful for merchants, institutions, government, fintechs and developers.
NimbaPay creates a new digital infrastructure layer for private companies to build on — and 23Market is built for exactly this moment.
Guinea officially launched NimbaPay as a national instant and inclusive payment system, emphasizing interoperability and financial inclusion.
The BCRG's SPI is public, sovereign infrastructure based on Mojaloop — supporting P2P, merchant payments, collections, bulk pay and cross-border use cases.
Banks, e-money institutions, microfinance institutions and other stakeholders are all part of the model — creating space for a private value-added layer.
23Market sits between the national payment rail and the people, businesses and institutions that need to use it every day.
Each module can be sold separately but becomes more valuable when customers use several together.
A portfolio of services that starts small, proves demand, and expands as transaction volumes and institutional relationships grow.
| Opportunity | Primary buyer | Revenue model |
|---|---|---|
| Merchant payments | SMEs, retailers, e-commerce | Subscription + transaction fee |
| Collections | Schools, businesses, utilities | Transaction fee + SaaS |
| Government collections | Ministries & agencies | Project + service fees |
| Payroll / bulk pay | Employers, NGOs, agencies | Per-file / per-transaction |
| API infrastructure | Fintechs & developers | API usage + integration |
| Reconciliation & risk services | Banks, fintechs, merchants | SaaS / managed service |
| Cross-border (future) | Exporters, diaspora, traders | Transaction / FX-related service |
Start with connectivity, merchant collections and reconciliation — then scale toward government, payroll, APIs and regional readiness.
Regulatory mapping, partner strategy, architecture & target accounts.
API gateway, sandbox, merchant onboarding, QR & dashboard prototype.
Launch merchant, collections & institutional payout use cases.
Merchant acquisition, subscriptions, API onboarding & support.
Government & enterprise integrations, risk tooling, regional readiness.
23Market is designed to complement — not duplicate — the national infrastructure and its participants.
Building from Conakry toward a reusable technology platform for interoperable digital payments across West Africa.
Whether you're a bank, mobile money operator, merchant, government agency or fintech developer — we'd like to hear from you.