Novus

Meet Jes, a young entrepreneur in Kigali who sells handmade crafts to international buyers. Her business has the potential to scale beyond Rwanda’s borders, but she faces one massive barrier—receiving payments. Most of her customers don’t have access to mobile money services like M-Pesa, and international bank transfers take days, sometimes weeks, with heavy fees that eat into her profits. Jesn finds herself losing customers who find it too inconvenient to pay her. Now, let’s take a look at Eric, a coffee farmer in rural Rwanda. He supplies premium-grade coffee beans to cafes in Kenya and France, but his payment options are limited. His only choices are bank transfers that require multiple trips to the nearest town or relying on middlemen who take large cuts. Some months, he doesn’t get paid at all due to transaction failures and delays. And then there’s Amina, an online fashion retailer. She’s built an Instagram business with a growing customer base across Africa, but every sale is a struggle. Some customers ask if they can use PayPal, which she doesn’t have. Others suggest Western Union, but that requires a trip to a financial service center, which isn’t always accessible. She loses potential sales every single day. Jes, Eric, and Amina are not alone. Thousands of Rwandan entrepreneurs—craftspeople, farmers, online sellers—face the same challenge. They have great products, ready buyers, and the potential to grow. But their businesses are bottlenecked by the inability to receive money seamlessly from anywhere in the world. 💡 That’s where Novus comes in. Novus is a fintech solution built for the people who need it the most. With Novus, Jesn, Eric, and Amina can generate payment links for their customers, allowing them to pay instantly via mobile money or card—no bank account required. The payment goes straight to the entrepreneur’s Novus account, where they can track sales, customer payments, and withdrawals effortlessly.