Retail and trade
Market traders, shops and distributors who need to know what they sold, what they have and who owes them.
A social enterprise, built in Africa for Africa
Technology that helps underserved communities earn, grow and thrive.
Amaya & Co. Technologies is a social enterprise. We build affordable digital tools for traders, farmers, cooperatives and young people with little or no access to technology — and reinvest most of what we earn to reach more of them.
- Financial management
- Business automation
- Agricultural intelligence
- Retail & trade
- Cooperatives & esusu
- Agriculture
- Microfinance
- NGOs & development
- Education
- Pharmacies & healthcare
- Logistics
- Fintech
- Business automation
- Custom software
Who we are
A social enterprise, building for the people technology overlooks
Amaya & Co. Technologies is a social enterprise headquartered in Nigeria. We build digital tools for marginalised communities — informal traders, smallholder farmers, cooperatives and young people with little or no access to technology that could grow their livelihoods.
Our products and services earn revenue, and we reinvest most of our profit in the mission: free tools for the smallest businesses, free digital and financial skills training, and reaching communities others overlook. Everything we build works on the phones people own, over the connections they have.
Financial management
Business automation
Agricultural intelligence
Run your business better
Software for sales, stock, credit, savings and cooperatives — built for how Nigerian businesses work.Build something with us
Custom software, fintech, automation and digital transformation for startups and corporates.Partner on impact
An implementation partner for programmes reaching small businesses, cooperatives, farmers and young people.Understand the company
Who we are, our impact model and why we exist — for investors, partners and press.
Flagship product
KudiAI Track: money management in your pocket
Sales, stock, credit, bills and Ajo savings in one app — made for Nigerian businesses.
Real app screens · demo business
1 / 6 · Sales
Services
A partner to build what you need
From strategy to software to training — for businesses, cooperatives and development organisations.
Digital transformation
Move operations off paper, spreadsheets and chat threads onto systems that fit how your team already works.Custom software development
Web and mobile applications built for the devices, connectivity and users you actually have.Fintech solutions
Ledgers, wallets, savings, lending and payment workflows — designed so the numbers always reconcile.Business automation
Replace repetitive manual work — invoicing, reconciliation, reporting, approvals — with reliable automated workflows.Business registration support
Guidance through formal registration and the paperwork a growing business needs to access finance and contracts.Cooperative digitisation
Member records, contributions, esusu and ajo cycles, loans and dividends — transparent to every member.Training and capacity building
Practical digital and financial literacy training for teams, cooperatives and programme beneficiaries.
Industries
Built for the sectors that keep Africa running
Every industry has its own way of doing business. We start from yours.
Cooperatives and thrift groups
Cooperative societies, esusu and ajo groups, and associations that manage members' money.
Agriculture and agribusiness
Farmers, aggregators and agribusinesses that need better data, finance and market access.
Microfinance and financial services
Microfinance operators, lenders and savings schemes serving small businesses and households.
NGOs and development partners
Development organisations running programmes for small businesses, cooperatives and farmers.
Education
Private schools, training centres and education businesses managing fees, staff and operations.
Pharmacies and healthcare
Pharmacies, patent medicine stores and clinics balancing stock, cash and credit.
Logistics and distribution
Distributors, dispatch operators and wholesalers moving goods across cities and regions.
How we deliver
From first conversation to everyday use
The same four stages on every engagement, so you always know what happens next.
Step 1
Discover
We learn how your business really works and where time and money leak.
Step 2
Design
Flows and screens shaped with the people who will use them.
Step 3
Build
Working software in short cycles, tested on the devices your users own.
Step 4
Grow
Training, support and improvements as adoption takes hold.
Why Amaya & Co.
How we work
Commitments we make to every business and partner we work with.
We build our own products
We operate software in the market ourselves, so we build like owners who have to support what ships.
Designed for local conditions
Mobile-first, light on data and tested on mid-range Android — not just on office broadband.
Security is not an add-on
Least-privilege access, protected personal data and secrets kept server-side, from the first release.
Mission first, honest about outcomes
We reinvest most of our profit in the mission, and report results — including our own impact — as they are.
From idea to adoption
Strategy, build, training and support from one team, so nothing falls between suppliers.
Tell us what you are working on
Whether you need a product for your business or a partner to build one, we will reply with a clear next step.