Stockholm, Sweden
Unique Blipply investor briefing
Blipply is the smarter way to money, purpose-built for the world’s informal economies. We are live and growing in our first emerging market, Kenya, following two years of product-market fit testing and are opening limited access to a discretionary investor session to preview our live product, AI systems, and growth plan.
This is a unique session offering a unique opportunity to participate as an investor before we hit the big growth. Participation is by application only.
Terms & use of proceeds
Company
Blipply (Part of 20NINE TECH AB)
Funding type
Growth capital
Minimum ticket
€100 000
Target amount
Up to €2 million
Target close
Late August 2025
Funds will support
Market expansion and user growth
AI model refinement and integration
Onboarding more credit, insurance, and telecom partners
Merchant acquisition and community activation
About Blipply
At Blipply, we are on a mission to change how people access financial opportunity through technology. Just like mobile money transformed everyday transactions, we believe the next breakthrough will come from tools that are simple, trusted, and made for real people.
Right now, millions of informal merchants and consumers are blocked by systems that are too expensive, or not designed for them. As digital commerce and payments grows, so does the gap. We are here to close it. We are building a future where access, speed, and trust are not features. They are the starting point.
If that sounds like something you want to be part of, you’re in the right place.
Blipply is live and have proven market fit
Blipply is live in Kenya and have a proven product market fit. Through extensive pilots during 2023 and 2024 and now after being live we have proved our model is scalable, monetisable, and high-impact from day one.
Key stats
140,000 users — 40,000 merchants final 3 weeks
45x faster growth than typical fintech pilots
CAC: $1.20 per merchant, $1.10 per consumer
62% consumer conversion rate
$25 ARPU/month from top merchants
4.6 / 4.5 app ratings (merchants / consumers)
+90% viral growth on best days
What this proves
Blipply can drive rapid adoption and revenue
No physical onboarding or external support needed
The platform is ready to scale across emerging markets
Five-year plan
By 2030, Blipply will:
Serve 5 million+ merchants (<1% market share in emerging markets)
Reach a $1+ Billion ARR
Become the leading AI infrastructure for behavioural patterns recognition and lending in informal markets
Deliver strong returns while powering inclusion and economic growth
Beyond cash. Beyond mobile wallets.
Blipply is the next step in the evolution of money for the informal economy.
Cash is untrackable.
Mobile wallets are transactional but not transformational.
Blipply builds the missing layer: context, identity, and visibility.
We don't just move money, we understand it.
We capture the "why", "who", and "how often" behind every trade, purchase, or payment.
This is how we unlock credit, confidence, identity and formal inclusion, without disrupting our users’ daily lifes.
The problem
Across Africa, Latin America, and Asia, over 2 billion people earn and trade informally. They generate trillions in value, yet remain unscored, unbanked, and unserved.
Financial institutions can’t lend or insure what they can’t see.
Blipply turns informal life into structured, scoreable data.
Our strategy — Fit daily life
Our core principle: don’t force users to change.
People keep doing what they already do, shopping, selling, earning.
Blipply captures that behaviour, turns it into receipts, rewards, credit profiles, fraud profiles, eIDs, and gives users access to real financial tools.
No paperwork. No agents. No disruption.
What makes it work — AI
We use artificial intelligence to power every core system:
AI Credit scoring – based on behaviour, not bank forms
AI Fraud scoring and detection – across users, devices, and patterns
AI Loan programme engine – Tiered application programme with smart disbursement and repayment logic
AI driven Point-of-sales for merchants – tailored for fast checkouts in informal, mobile-first businesses
AI Self-Service KYC/eID – Fast identity verification without physical queues or paperwork
AI Support bot – always-on help in local languages
Traditional wallets and banks require physical visits to open accounts. Blipply verifies users remotely, enabling scale, cost-efficiency, and full inclusion.
Proven market fit - From pilots to live platform
Blipply didn’t launch overnight.
In 2023 and 2024, we ran multiple pilots and deep product-market fit evaluations in our first market Kenya to understand behaviour, refine our features, and test monetisation. What we learned:
Users will engage if we fit into how they already live
We can start generating revenue from day one
We grew 45x faster than typical fintechs during our 2024 scaled pilot
Our reward and credit model drives retention, data, and viral growth
We recently launched live in Kenya with a lean, AI-powered system that works, and now we’re looking to scale.
Apply to join the upcoming briefing and demo session
Partner-driven go-to-market
We go to market with leading local telcos and banks.
This gives us fast adoption, trust, reach and removes the need for local regulatory licenses, without building from scratch.
Our GTM partnerships include:
Telecom operators – for instant access to millions of users and cash deposit and sales agents
Banks and lenders – to unlock capital access via our AI scoring engine
Other wallets and payment providers – to integrate into the rails people already use
This distribution-first, partnership-led model gives us lower CAC and faster market penetration than standalone fintechs.
Our markets
We focus on emerging markets and specifically:
Africa – mobile-native, young, cash-heavy, credit-starved
Latin America – large informal economies with fintech readiness
South/Southeast Asia – high density, strong digital infrastructure, low credit reach
Together these regions represent $10 trillion+ in informal economic activity, almost all of it invisible to financial systems.
Our platform
We are an innovative fast moving company dedicated to deliver functions that makes a difference in every day life. This means we continuously add and evolve functions. Currently Blipply includes:
Merchant Tools – POS, CRM, financial statements, online sales, manage inventory and booked services, etc.
Blipply Wallet – connect and use multiple payment options, pay or send money, earn rewards, track transactions, receipts, build credit score, Pay later options
Online ordering/bookings – Find and order online from your local merchant or book and pay a service with your local service provideronline
AI Scoring Engine – behaviour-based identity and lending signals
Self-Service KYC – onboard users remotely, at scale
Engagement Layer – lotteries, cashback, and free data trafic etc.
Designed for needs in informal economies – Easy to use, built for real-world use
Exclusive investment opportunity
We are raising growth capital to scale across Kenya and prepare for entry into additional high-potential markets. Target close: Late August 2025
Use of funds:
Market expansion and user growth
AI models refinement and partner integrations
Onboarding more telecom, bank and later insurance partners
Merchant acquisition and community activation at scale
Why Invest Now? Emerging markets are driving the next decade of growth in consumption, digital lending, and financial inclusion. Blipply is positioned at the intersection of all three, with real traction and AI infrastructure that’s built to scale.
Join Blipply while we’re still early: This is your opportunity to grow with a platform that has already shown 50x faster adoption than typical fintech solutions during our 2024 pilot.
Apply to join the investor briefing
When: Thursday August 14th, 3pm CEST on Teams
Join us for a one-time opportunity to see what we’ve built, how we’re growing, and how we’re using AI to turn the people in informal economies into the next great frontier of finance.
If you believe the next billion borrowers will come from the streets, markets, and stalls of the informal world, not from branches, spreadsheets or mature markets, apply now.