Branch Intl
Digital lending → neobanking (KE/NG/IN).
- Who holds it
- The company itself — it holds a full banking licence — Microfinance bank license in Kenya (84.9% of Century MFB, CBK-approved 2022); digital lending in NG/IN.
- The ledger
- The bank’s own core ledger.
- If it fails
- A covered-deposit payout through the local scheme, up to its limit.
Derived from Branch Intl’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | traditional |
| AI | AI underwriting in production |
| HQ | Nairobi/Lagos |
| Founded | 2015 |
| Custody | Custodial |
| Regulation type | Licensed bank |
| License detail | Microfinance bank license in Kenya (84.9% of Century MFB, CBK-approved 2022); digital lending in NG/IN |
| Card | No card |
| Yield | Yield wallet |
| Stablecoins | No |
| KYC | Yes |
| Active regions | Africa |
| Founders | Matt Flannery (Kiva co-founder), Daniel Jung |
| Funding | ~$260M raised |
Verified links: official site ↗
Common questions about Branch Intl
What is Branch Intl?
Branch Intl is a fiat neobank, headquartered in Nairobi/Lagos and founded in 2015. Your money is held custodially, so Branch Intl or its partner bank holds the balance and you hold a claim on it. It is regulated as a licensed bank (Microfinance bank license in Kenya (84.9% of Century MFB, CBK-approved 2022); digital lending in NG/IN).
Does Branch Intl have a card, and where can you use it?
It issues no card of its own. It is available in Africa.
Does Branch Intl require KYC?
Yes. Branch Intl requires identity verification (KYC) to open an account, as a licensed bank.
What does Branch Intl cost?
From the verified fields: yield Yield wallet. Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with Branch Intl before relying on them.
Peers
Wise · TymeBank · OPay · PalmPay · Bank Zero · Discovery Bank
Branch Intl appears in
Neobanks that hold their own banking license (132) · Neobanks available in Africa (92) · Neobanks with no card of their own (67)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.