tisini makes payment behaviour bankable for the 
percent.
The financing gap is an information problem, not a capital problem.
Capital wants to reach Africa's small businesses. It cannot see them. Without collateral, audited accounts or a credit file, a business that pays its suppliers on time every month looks identical to one that does not.
tisini reads conduct, not paperwork. Every payment, contribution and transaction through the wallet is a data point the business generates itself, with its consent. Intelligence in place of collateral opens finance to businesses that have earned it but remain invisible.
Three stages, one platform. Familiar on the surface, intelligent underneath.
A familiar mobile-money wallet. Business payments and statutory contributions flow through it; money moving in and out is the raw material.
Activity is compressed into a small set of habits and read in the context of the trade. There is no blanket standard: a tour operator's quiet season and a chip shop's flat year mean different things, so the same signal is read differently by sector. Not "312 transactions" but "pays regularly, earns steadily, contributes on time."
Each read is explained to the owner in plain language: where the business stands, what changed, and what to do next.
One read of the business. Three questions behind it.
Business Health is tisini's headline view of an SME, updated as behaviour changes and shown to the owner in the same words an investor sees. Behind it sit three reads, each answering a question a lender or investor would ask anyway.
Every movement is explained: what changed, why, and what to do next. The owner is coached toward the mark, not judged against it.
The business sees the same read the investor sees. That is the point.
A wallet that works like the one you already use. Underneath, a read of how your business is doing, what changed this month, what would move it, and a path to finance when you have earned it.
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Institutional, diaspora and retail capital reaches businesses it could not see before: underwriting behaviour it can watch, with returns and late payments stated plainly and every investee anonymised.
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Within the regulation, not around it.
tisini sits between the business and the institutions that already exist. It reads, explains and connects. It never holds the money, never writes the loan, and never files anything about a business with a bureau.
tisini is not a bank, a lender or a credit bureau. Payments run through licensed partners; capital comes from regulated institutions.
We read conduct the business generates itself. No bureau file is needed to be seen, and none is created.
The business consents to every use of its data, within the Data Protection Act. Investors see conduct, never identity.
Continental microfinance experience as Regional Director for a JSE-listed group, with a career across pensions, PPPs and impact finance. Leads tisini's regulatory engagement and operations from the continent.
Global credit, structured finance and fund management across institutional investing in New York and emerging markets. Leads tisini's investor architecture and capital relationships.
Let's talk.
Whether you run a business, deploy capital, or work on the infrastructure that connects the two.
info@tisini.ai