Credrails is an open banking startup that uses data to build products.

We connect bank and mobile money and offline data into a single network and use the data to build products. Credrails is:

A network; connecting all sources of financial data both online and offline

Anchored on products that serve customers on the network

A data processor and controller using data to build more products.

Why Credrails?

Established in 2020 Credrails aims to jumpstart the growth of digitally-enabled companies in Africa by providing the financial infrastructure needed to serve customers across the continent. Credrails aggregates financial data from multiple online and offline sources and makes the unified data available to businesses via an API. Deep analytics provides businesses with the intelligence they need to make informed decisions, unlock new revenue streams, and increase market share. With extensive industry experience and knowledge of the African Fintech space, Credrails is uniquely positioned to power the pan-African digital revolution.

Why Credrails?

Africa’s lending landscape is fragmented by nature. The industry is dominated by local players who can each provide only small pieces of the total financial puzzle. Consequently, lending institutions are making important decisions based on inaccurate and partial data, opening them up to poor decisions that carry financial risk.
‍
Credrails minimizes this risk by automatically collecting consumer-permissioned financial data from multiple financial sources – including 200M bank accounts across the continent, mobile banking data, and other offline sources – to deliver a complete end-to-end financial picture of your customers.

Entire African continent in scope

Our data aggregation spans multiple
countries in Africa, ensuring that your
services are as comprehensive and scalable
as possible.

Think global — Act local

We understand Africa, as Africans and have
purpose-built the infrastructure to address
the emerging needs of the continent.

Partnered for success

We work directly with existing providers to
access the critical information needed to cross reference accounts, consolidate statements, and enhance data security.

Built by and for developers

Our API is available in a range of languages to make it seamless for developers to integrate.

Clara Odero

CEO

Teresia Kairu

COO

James Wanderi

CTO

Fiona Maingi

Human Resource

Peter Matogo

Tech Lead

Jacquline Mbogo

Software engineer

Emmanuel Fadare

Product Design Lead

Paul Kagiri

Software Engineering lead

Elizabeth Kenaiyan

Junior Software Engineer

Leroy Kotìa

Head of DevOps

Brian Maimba

Junior Software Engineer

Jerim Kaura

Junior Software Engineer

Daniel Kimani

Software Engineer

Franklin Okal

Sales Lead

Tobi Odusanya

Reconciliation Specialist

Come work with us

Help us create financial infrastructures and products for African businesses. We are always looking for passionateindividuals to join our amazing team.

See open positions

Credrails is an open banking startup that uses data to build products.

Why Credrails?

Why Credrails?

Meet Our Amazing Team

Come work with us