U.S. infrastructure for African FinTechs.

The Fastest Way to U.S. Revenue

HarborPass provides the complete compliance, banking, and payments infrastructure for African FinTechs to enter, operate, and scale in the U.S. market.

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See how it works

In Partnership with

Trusted by African Founders

AO KM NN TR

Assessment Complete

Your compliance assessment has been approved.

Your US Onboarding Progress

Compliance Assessment KYC, AML & regulatory review
Sponsor Bank Matching Matching to U.S. banking partners

Approver(s)

KM Kath Maris TR Tom Randy

Overall Progress

Days till Go-Live

25% Completion

Trusted by Leading Fintechs

Expand Your Business into the U.S. Market Without Months of Infrastructure Work

Speed to Market

Go from compliance gap to live U.S. revenue five times faster than the industry standard.

20+

Banking Partnerships

Pre-vetted sponsor bank relationships built over three years — warm, ready, and matched to your model.

$7 Trillion

Market Access

The total addressable market your infrastructure is now built to reach from day one.

The Full Onboarding Journey on One Platform

Compliance

Your Full Compliance Stack, Ready to Deploy

Pre-built KYC, AML, and regulatory frameworks certified by Veem — approved before you ever touch a document.

Veem Certification

KYC Templates

AML Matrices

Regulatory Approval

Banking

Go-Live with Existing Banking Relationships

Pre-briefed banking relationships matched to your model — no cold calls, no rejections, no six-month sales cycles.

Warm Introductions

Pre-Vetted Partners

Matched To Model

ACH & Wire Ready

Speed-to-Revenue

From Compliance Approval to U.S. Revenue, Seamlessly.

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Parallel Tracks

Sandbox Testing

ACH Integration

Live Monitoring

How HarborPass Works

From Sign Up to Live
in 4 Steps.

A structured onboarding built to move fast.

Intro & Assessment

We map your compliance gaps and build your roadmap.

Week 1–2

Compliance Activation

KYC, AML submitted. Veem certification secured. Regulators handled.

Week 3–6

Banking Integration

Sponsor bank introduced. APIs live. Sandbox testing begins.

Week 7–10

Go Live & Grow

First U.S. transaction processed. We scale alongside you.

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Everything You Need to Operate in the U.S.

Sponsor Bank Access

Direct access to our pre-established U.S. sponsor bank network — no cold outreach, no rejection cycles.

End-to-End KYC

Identity and document verification fully integrated — no separate vendor sourcing required.

U.S. Entity Setup

We guide your U.S. entity formation so you're structured correctly for banking and compliance from the start.

ACH & Wire Rails

Full ACH, wire, and account setup so you can move money on U.S. rails from day one.

AML Compliance Layer

Sanctions screening, watchlist checks, and FinCEN registration — all pre-wired into the stack.

Dedicated Launch Support

A dedicated HarborPass contact owns your onboarding from intro call through go-live — no handoffs.

Transaction Volume Live

$2,847,300

Week of Apr 7 – 13, 2026

Why We Exist

Opening the U.S. Market
to African FinTechs.

HarborPass exists to remove every structural barrier standing between ambitious African FinTechs and the largest financial market in the world. Three years ago we asked a simple question: why should geography determine which FinTechs get access to U.S. banking infrastructure? We built the answer. Now we hand it to you.

Access

Every African FinTech deserves the same access to U.S. banking infrastructure that domestic companies have had for decades.

Classical architecture of a historic U.S. bank building

Speed

We compress years of compliance groundwork and banking relationships into a twelve week path to live U.S. revenue.

Everything You
Need to Know.

Straight answers to the questions every African FinTech asks before signing.

Talk to Support

How long does the process actually take?

Typically 12 weeks from signed agreement to live U.S. revenue. Best case 10 weeks, worst case 14. You'll have an honest forecast before Week 2 ends.

What does HarborPass cost?

Pricing is based on your transaction volume and banking model. You'll get a specific number on your intro call — not a vague range.

Which sponsor banks do you work with?

Two primary U.S. banks — one optimised for ACH, one for wire and FX. We match you to the right one in Week 1 based on your model.

What if our compliance work gets rejected?

We don't submit until Veem has pre-approved your documentation. If a regulator requests clarification after submission, we handle it entirely.

We've already started compliance work elsewhere. Can we switch?

Yes. We assess where you are in Week 1 and tell you honestly whether to port your existing work or restart on our pre-approved framework.

What happens after we go live?

We stay on as your infrastructure partner. Monthly scaling calls, 24/7 support, and help with new rails and higher limits as you grow.

Who is HarborPass built for?

Series A and above African FinTechs processing $500K or more annually, with a stable product and a dev team ready to integrate.

Start Your Path to U.S. Revenue

Get access to the complete compliance, banking, and payments infrastructure you need to enter, operate, and scale in the U.S. market.

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Quick Links

Contact

The Fastest Way to U.S. Revenue

The Full Onboarding Journey on One Platform

Your Full Compliance Stack, Ready to Deploy

Go-Live with Existing Banking Relationships

From Compliance Approval to U.S. Revenue, Seamlessly.

From Sign Up to Live in 4 Steps.

Intro & Assessment

Compliance Activation

Banking Integration

Go Live & Grow

Everything You Need to Operate in the U.S.

Opening the U.S. Market to African FinTechs.

Access

Speed

Everything You Need to Know.

Start Your Path to U.S. Revenue

From Sign Up to Live
in 4 Steps.

Opening the U.S. Market
to African FinTechs.

Everything You
Need to Know.