What does Loam actually do?

Loam moves money across borders in seconds, holds and converts it in multiple currencies, earns yield on idle balances, and can finance your trade — one platform instead of a bank, an FX desk and a lender.

Businesses moving money across emerging markets — banks, remittance groups, treasuries, trade finance houses, PSPs, payroll, iGaming and insurance.

How is Loam regulated?

Loam operates under regulated frameworks in South Africa and Kenya, with credit-intermediation licensing in progress and expansion into Zambia, Botswana and the EU. Every counterparty is KYB-verified before they can transact.

What can I hold and settle in?

Major currencies in, with local-currency payout across live corridors.

What does it take to get started?

KYB verification in under a day, then you can fund and settle. No setup fees, no minimums, no lock-ups.

Modern money for an emerging world.

Loam moves money across 34 countries and 5 continents — instantly, at a fraction of traditional cost. Working capital earns yield, cards allow you to spend, and friction is removed.

Try it live

~5 sec

Average settlement time

24/7

Availability — vs 5 days a week on banking rails

80%

Average saving compared to local competitors

From our network

Who Loam is for

Settled across emerging corridors.

Bank in, bank out, and everything in the middle.

Why should I stop using SWIFT?

Metric	SWIFT / bank wire	Loam
Settlement time	3–7 business days	~5 seconds
Saving	—	up to 80% vs normal cost
Operating hours	9–6 weekdays	24/7, weekends included
Idle-balance yield	0%	up to 5%, daily
Counterparty checks (KYB)	your responsibility	verified on the platform

Security and controls your CFO will actually like.

FAQ

What finance teams ask before they ship.

Still need more? Loam walks through your specific flow on a 30-minute call.

Still have questions? Book a 30-min walkthrough

Start settling in minutes.

KYB verification in under a day. No setup fees. No minimums. No lock-ups.

Book a call

Try it live

Modern money for an emerging world.

Who Loam is for

Banks

Remittance groups

Payroll

Treasury

Trade finance houses

PSPs

iGaming

Insurance

Settled across emerging corridors.

Trade-finance repayments, settled across continents.

Millions in grain — plus the credit to plant the next crop.

High-volume payouts across SADC, around the clock.

Bank in, bank out, and everything in the middle.

Access borderless money movement.

Convert at competitive and transparent rates.

Money that only moves when terms are met.

Put idle balances to work at up to 5%.

Unlock the cash tied up in unpaid invoices.

Why should I stop using SWIFT?

Security and controls your CFO will actually like.

KYB on every counterparty

Segregated custody

Full audit trail

What finance teams ask before they ship.

Start settling in minutes.

Who Loam is for

Banks

Remittance groups

Payroll

Treasury

Trade finance houses

PSPs

iGaming

Insurance

Settled across emerging corridors.

Trade-finance repayments, settled across continents.

Millions in grain — plus the credit to plant the next crop.

High-volume payouts across SADC, around the clock.

Bank in, bank out, and everything in the middle.

Access borderless money movement.

Convert at competitive and transparent rates.

Money that only moves when terms are met.

Put idle balances to work at up to 5%.

Unlock the cash tied up in unpaid invoices.

Why should I stop using SWIFT?

Security and controls your CFO will actually like.

KYB on every counterparty

Segregated custody

Full audit trail

What finance teams ask before they ship.

What does Loam actually do?

Who's it built for?

How is Loam regulated?

What can I hold and settle in?

What does it take to get started?

Start settling in minutes.