IMANA PAY — Borderless Transactions
IMANA PAY
Fintech / Cross-Border Payments

IMANA PAY
Borderless
Transactions

The trust infrastructure that secures commercial operations and payments between Madagascar, Europe and the World.

PSP Agent
Electronic Money Distributor
Integrated Hybrid Platform
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IMANA PAY
Amount
5,000.00 €
EUR → MGA
Secured & compliant transaction
1,000+Users
5M€Transactions
~100Partners
The Problem

Transaction Blockages Madagascar–Europe

Money flows less freely than people, contracts and opportunities.

+5 Days
International transfer delay
−7%
Value lost in archaic fees

Private Distrust

The BuyerFears paying without being delivered
The SupplierFears shipping without being paid

Institutional Distrust

The BankCompliance risk
The AdministrationDocument fraud
The RegulatorFlow opacity
The PartnersOperational uncertainty

Structural Consequences

Abandoned transactions
Limited markets
Recourse to informal channels
Loss of tax revenues
Delayed projects
Barrier to investment
Multiplication of unregulated intermediaries
Slowdown of trade
The Solution

Hybrid PSP / EMD Platform

An industrialised trust infrastructure for the Madagascar–World ecosystem.

Transaction Fluidity

Accelerate exchanges by eliminating unnecessary transactional friction.

Payment Security

Guarantee fund execution only when contractual conditions are met.

Compliance Rigour

Integrated KYC/AML to reassure banking and institutional partners.

Institutional Traceability

Full flow transparency for administrations and regulators.

Integrated Digital Ecosystem
IMANA
PAY
Transactional Orchestration Hub
Businesses
Banks
Individuals & Diaspora
Regulators
Freelancers
Intl. Suppliers
Administrations
Associations
IMANA PAY is a digital ecosystem for matching supply and demand, documentary compliance and transactional orchestration — designed to resolve a structural blockage: the inability, for solvent and legitimate actors, to efficiently transfer, secure and execute financial flows between Madagascar and the international arena.
Market & Opportunity

At the crossroads of 3 massive markets

IMANA PAY builds scalable infrastructure driven by global dynamics.

Massive smartphone adoption

Digitalisation of the economy

Evolving Fintech regulations

Fintech Infrastructure

A robust technological architecture capable of supporting high transaction volumes with banking-grade security.

High Tech Barrier

International Trade

Facilitation of import-export flows and cross-border payments for businesses and the diaspora.

Recurring Flows

Financial Inclusion

Integration of emerging populations into the formal financial system via accessible digital solutions.

Emerging Market

"Industrialise transactional trust between Europe, Madagascar and the Indian Ocean / Africa–Europe corridor."

Traction & Validation

A confirmed market demand

Performance indicators achieved within a restricted pilot framework.

1,000+
Registered Consumers
5M€
Transaction Volume
~100
Partner Merchants

Validated Proof of Concept (POC)

These results were achieved by operating within a limited framework on behalf of ILO CORPORATION GIE members. This initial success demonstrates undeniable product-market fit and strong organic demand for a structured payment solution.

MVP Operational Scalability Tested Confirmed Interest

"IMANA PAY is already transforming the way we manage our commercial flows."

Partner Feedback
Business Model

Revenue Streams & Scalability

A diversified hybrid model to capture value at every stage of the transaction.

Transaction Commissions

A percentage is charged on incoming and outgoing financial flows (P2P, B2B, international transfers).

Volume Driven

Merchant Solutions

Installation fees, monthly subscriptions and commissions for payment terminals and e-commerce gateways.

B2B Recurring

API Integrations

Monetisation of infrastructure access for large enterprises and partners wishing to automate their payments.

Tech Infrastructure

High Scalability

The model grows exponentially with transaction volume without a linear increase in costs.

High
Margins
Low
CAC
Strategic Timing

Why Now?

A unique convergence between regulation, technology and market opportunity.

2026 Convergence
EuropeOpen Banking Harmonisation
Emerging MarketsMassive Mobile Payment Adoption

"The market is ready for an agile and structured player."

2026
Action
Lock the Infrastructure
Become the transactional standard before market consolidation.
Ideal Momentum
2027 — Market saturated by international competition.
Trust Framework

We are not just building an app, we are building a Financial Institution.

Accompaniment
Syrtals Compliance
Structuring & Compliance
Target Licence
ACPR France
Validation in progress*
*Subject to regulatory requirements (equity, structuring).
Investment Opportunity

Fund Allocation

Transforming an MVP into a robust, regulated transactional infrastructure.

Technology Development & Scale

Strengthening the architecture to support growing transactional load.

Compliance & Licences

Obtaining the regulatory licence (ACPR) and associated legal fees.

Reserves & Multi-Currency Liquidity

Building the regulatory reserve and multi-currency working capital.

Commercial Deployment & Acquisition

User acquisition, partner network expansion and marketing.

Banking-Grade Cybersecurity

Banking-level security infrastructure to protect financial flows.

Key Team & Operations

Recruitment of key talent and structural operating costs.

Investor Rationale

A real, painful and massive problem
Existing traction
An underserved but active corridor
A hybrid model difficult to replicate
A trust infrastructure with strong strategic depth
High strategic value, high barriers to entry
Likely to become a regional transactional standard
Where banks see
Atypical flows → IMANA PAY sees structurable flows
Where the market suffers
Distrust → IMANA PAY creates an architecture of trust
Where players improvise
Fragmented solutions → IMANA PAY builds a durable rail
IMANA PAY 2026 Strategic Roadmap

Detailed schedule by phase

5 phases to transform real traction into a reference transactional infrastructure.

1
Mar–Apr
2026
2
May
2026
3
Jun–Aug
2026
4
Sept.
2026
5
Dec.
2026
Phase 1 / 5
Team & Governance

Multidisciplinary expertise

A complementary team combining finance, technology, law and operations.

Jacques
Finance & Compliance
Financial management and internal control professional with over 8 years of experience supervising accounting flows and regulatory compliance. Specialised in transaction analysis, risk management and securing financial operations.
8+ Years of experience
Jimmy
Operations & Development
Expert specialised in international trade and management control. Experience in business development, sourcing and supplier verification, with a strong ability to structure operations and develop strategic partnerships.
Sourcing Expertise
Technology
Tech Lead
IT project management and technology strategy specialist. Collaboration for the technical structuring of the banking-grade transactional infrastructure.
Tech Infrastructure
Manoa
Legal & Regulatory Compliance
Expert in legal, tax and customs compliance with dual competency in law and technology. He supports organisations in managing regulatory risks and legal structuring.
Compliance
Harisoa
Business Development & Operations
Specialist in end-to-end operational trade management. Expertise in international trading, complex transaction management, administrative structuring and team management.
Business Dev
Sylvie
Banking Compliance & KYC/AML/LCB-FT
Senior compliance analyst with over 15 years of experience in banking and insurance. Specialist in KYC, AML and LCB-FT procedures. Risk analysis expertise in international financial institutions.
15+ Years of experience
Call to Action

Join the IMANA PAY adventure

Invest in the trust infrastructure that connects Madagascar to the world.

Strategic Infrastructure Asset

More than an app, we are building a durable rail with high barriers to entry — regulation, tech, trust.

Real Market & Validated Traction

A massively painful problem, an active but underserved corridor, and a solution already validated by 1,000+ users.

Industrialised Trust

Where banks see risks, IMANA PAY creates a compliance architecture that unlocks economic potential.

"Waiting until 2027 means giving up your place. Acting now means locking the infrastructure of tomorrow."

We are currently structuring our funding round. Access the financial and strategic details.

Complete Investment Dossier
Summary Package (Pitch Deck + Brief)