Clowd9, the UK-based cloud-native payments platform, is emerging as a serious force in African fintech by powering fast, reliable infrastructure for cross-border remittances and banking services—especially along the Lagos‑London corridor.
Founded in London in 2022, Clowd9 offers the world’s first cloud-native, decentralized issuer-processing architecture. Designed for flexibility and scalability, its microservices-based platform is hosted across AWS, Google Cloud, and Microsoft Azure, allowing seamless global transaction routing based on regional demand. As a B-Corp certified company, the firm emphasizes sustainable innovation in payments technology.
In July 2025, Clowd9 partnered with Moniepoint GB during the Mayor of London’s landmark fintech trade mission to Nigeria. The collaboration enables MonieWorld—Moniepoint’s remittance service—to leverage Clowd9’s scalable infrastructure and deliver faster, more efficient cross-border transfers between London and Lagos. This alignment enhances financial access for diaspora users, strengthens remittance corridors, and supports household and FX liquidity needs.
Clowd9’s cloud-native processing capabilities make it attractive not only to remittance networks but also to core banking innovators. A strategic deal with SaaScada, a cloud-native core banking platform, offers African banks end-to-end solutions—from account services to issuer processing—all designed to cut deployment time and reduce overhead for financial institutions serving underserved and remote markets.
Beyond Africa, Clowd9 has secured other strategic partnerships and certifications. Its certification with Discover Global Network gives fintech platforms access to both virtual and physical card issuance through a global payments network. It has also partnered with open banking trailblazer Ozone API to offer compliant, monetizable API solutions for banks and neobanks expanding into open finance.
Clowd9’s technology is increasingly embraced by startups, too. In mid‑2024, London’s fintech ZORRZ selected Clowd9 to power the AI-enabled BlueAccess credit card—designed to serve immigrants, students, and users with limited credit history by offering inclusive financial access alongside BNPL tools and educational assistance.
Through sustained investment in cloud-native infrastructure, global certification, and strategic partnerships, Clowd9 is fast becoming a go-to partner for African financial innovators—from Lagos fintechs to London-based corridor remittance providers. Its growing footprint signals a shift in fintech dynamics: instead of building brittle, regionally siloed systems, African innovators now have access to global-scale payment rails. Clowd9’s emergence as a backbone of this infrastructure underscores its ambition to redefine how fintechs connect African markets to global capital, commerce, and diaspora communities alike.
