Guhemba Ltd

Guhemba is the fintech OS for Africa’s 100M+ informal and semi-formal merchants; a modular platform powering embedded payments, e-commerce, and financial services at the point of trade. From Kigali, Rwanda, we are building the infrastructure layer for Africa’s merchant economy. Our platform combines powerful mobile tools with the invisible financial rails behind digitized transactions: invoicing, inventory, loyalty, reporting, and unified wallet system. Guhemba replaces the spreadsheets, paper receipts, and MoMo-only workflows with a single merchant-first system that works online and offline. What We Offer- Embedded Finance/Payments** for the cashless economy - Unified Wallet System** with dual wallets that separate personal and business finances - Invoicing + eCommerce + Loyalty** in a single merchant toolkit - Stock/Inventory** management, syncing to invoicing, and merchant to merchant tracking (coming 2025)- Advanced Reporting** including real-time reporting Why It Matters: Africa’s $29B informal retail sector runs on disconnected systems. In Rwanda alone, 98% of merchants still operate informally, with limited visibility into their finances. Guhemba changes that by embedding digital financial services directly into the tools merchants already use. Traction & Funding- Contact us for pitch deck and funding opportunities. Guhemba isn’t just another wallet. It’s the merchant operating system that turns mobile phones into full-featured business terminals—and Africa’s fragmented retail into a scalable, bankable digital economy. Interested in partnering or investing? DM us or Rob Rickard.