For BORROWERS
Benefits of Topos.
With Topos, your credit is backed by those that already believe in you — and a full banking app to turn that opportunity into progress.
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Access fair credit, scalable & with improving terms
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Build financial resilience through credit history
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Save on remittance fees
FEATURES
Fair credit.
And so much more.
Off-shore backed credit.
Borrow against your family’s remittance pledge — no need for collateral or a credit score.
Credit history builder.
Repay and unlock improved terms — your success is rewarded with better credit options over time.
PayMe & transfers.
Use your Topos account to make instant payments at merchants, transfer money, or pay your bills.
Wallet & app.
Send, receive, and manage your money through the Topos banking app via smartphone or USSD.
Cash-in & cash-out.
Cash in and out via local agents, retail points, or mobile partners — even without a smartphone.
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