GIKTRADE is the institutional supply chain finance network connecting anchor buyers and SME suppliers, run by Trade Operations. Purpose-built for Kenya with core banking integrations, maker-checker governance and a full audit trail.
Proven in production across Africa's largest bank group. The same platform now powering Kenya, with country-level configuration for currency, rails and compliance.
The platform moves every invoice from intake to settlement under the same governance rails — with live visibility for anchor buyers, suppliers and Trade Operations.
Buyers and suppliers are onboarded with KRA PIN, BRS/CR12, eTIMS and bank confirmation by Trade Operations.
Invoices, POs and GRNs flow in through Intake Studio. Control totals, doc match and readiness score applied.
Anchor buyer approves receivables against PO and delivery evidence with maker-checker governance.
Auto-underwriting matches eligible invoices to credit policy. Funding offer disbursed via KEPSS or PesaLink.
Buyer pays at maturity, waterfall allocates fees and interest, limits recycle automatically.
Each workspace is shaped around the decisions its users make — from an SME supplier in Nakuru to a treasury lead in Nairobi and a Trade Operations lead in Nairobi or Lomé.
Run payables programs that shorten supplier DSO while preserving your agreed payment terms and exposure limits.
Upload once, track every status, accept the right funding offer. Designed for SMEs trading across Kenyan counties.
Intake Studio, disbursement command, settlement tower, collections, audit and the full platform-administration stack — orchestrated with dual control end to end.
A tight set of workspaces that tells the full GIKTRADE story — from intake to maturity, with bank-grade controls at every step.
Batch 00412 · 84 rows · KES 41.2M
Parsed and matched against PO & GRN
Pre-configured programs for the four clusters that dominate Kenyan trade finance — tuned for the tenors, documents and distribution patterns each sector relies on.
Anchor-led programs funding distributors serving modern trade and wholesale across Nairobi metro.
Finance distributor stock-purchases against approved sales orders with same-day disbursement.
Smooth collection-cycle cash-flow for cooperatives and outgrower networks from Kiambu to Uasin Gishu.
Short-tenor facilities for retail fuel stations and B2B fleet operators with automated reconciliation.
GIKTRADE benchmarks against the platforms global treasury and SCF teams already trust. Same control tower, same dynamic-discounting economics, same mass-payout reach — wired natively into KEPSS, PesaLink and M-Pesa B2C.
Cash forecasting and payments orchestration
Trade Operations control tower — 7/14/30-day liquidity outlook with confidence bands
Anchor-funded programmes ready for multi-funder panels
Programme architecture supports a panel of funders per anchor — Demica's signature differentiator
Dynamic discounting with live rate recalculation
Supplier funding offers — slide payment date, see fee and net update in real time
Marketplace-style early-payment economics
Supplier-initiated programmes carry the underlying mechanics — marketplace overlay is a roadmap layer
Network onboarding for anchor and counterparty entities at scale
Onboarding case manager handles anchors, suppliers and employees on one pipeline
Mass-payout batch processing across multiple rails
Disbursement queue with PesaLink, KEPSS and M-Pesa B2C — Mass payout summary at a glance
AR auto-match with confidence scoring
Settlements ledger carries auto-match confidence per row, AI-style band tone and unmatched queue
Designed with bank operations, audit and compliance teams in mind. Every action has an owner, an approver and an immutable record.
Every state change recorded with actor, timestamp, evidence and IP. Exportable for regulator review.
Dual authorisation on approvals, disbursement batches, limit changes and policy edits.
Core-aware adapter layer with KEPSS/RTGS, PesaLink, SWIFT and EFT/ACH rails and reconciliation queues.
Encrypted at rest with retention policy, legal hold and chain-of-custody on every uploaded document.
Granular roles per tenant. Clear DEV/UAT/PROD banner so operators always know which environment is live.
Structured overrides with reason codes, escalation paths and four-eyes sign-off on every exception.
Three curated paths through the same live portfolio dataset — each one opens the right workspace with the right insight already in frame.
Program sponsor view
Approvals, limits and supplier health
Runs on the Kenya sandbox dataset · No production data
Walk through a live anchor program — from supplier onboarding and invoice intake to disbursement, settlement and portfolio reporting.
