In an era where innovation, speed, security and simplicity define financial success, a resurgent fintech firm is quietly transforming how banks move money across borders.
Kuva.com is positioning itself not as a consumer-facing app developer, but as the architect of digital payment highways connecting banks to customers in Zimbabwe and frontier markets across Sub-Saharan Africa.
Kuva chief executive officer Andreiko Kerdemelidis said the company was focused on delivering tailored fintech infrastructure that enables financial institutions to provide seamless services to their clients.
“We pride ourselves in providing tailored, reliable and cost-effective blockchain-based payment rails that can process peer-to-peer and peer-to-business cross-border payments and settlements instantly,” Kerdemelidis said.
He added that Kuva has grown into one of Zimbabwe’s fastest-growing business-to-business remittance and payments fintech providers, offering platforms designed to collect and settle remittances globally, with a strong focus on frontier markets in Sub-Saharan Africa.
At the core of Kuva’s operations is its role as a backend infrastructure partner to established financial institutions.
Rather than competing with banks, the company builds the complex systems that enable them to offer modern digital services.
Its most visible project to date is the payments application ZikiCash, developed in partnership with CBZ Bank.
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“For countless Zimbabweans in the UK, ZikiCash has become synonymous with convenient, instant and reliable digital transactions to send money home,” Kerdemelidis said.
“From paying diaspora mortgage instalments and making investments back home to simply supporting family, the app’s smooth functionality is a direct result of Kuva’s robust backend infrastructure.
“We didn’t just develop ZikiCash; we built the very engine it runs on and continue to ensure it operates seamlessly every single day.”
He said the company’s mission is to empower financial institutions with the best technology, allowing them to focus on customer relationships and core banking services while Kuva manages the complex technical layer.
Kuva’s project consultant Nqobani Moyo said the company’s ambitions extend beyond a single product or market.
“After two years of driving 100% year-on-year growth of the ZikiCash platform, we are now replicating this proven early revenue model with other institutions,” Moyo said.
He revealed that Kuva is developing similar tailored applications for a leading fintech with operations across Sub-Saharan Africa, with deployment plans across the Southern African Development Community at an advanced stage.
The expansion, he noted, reflects growing confidence from regional banks and investors in Kuva’s infrastructure-driven model.
As Zimbabwe pushes towards a more digital economy despite a largely informal, cash-driven environment, Moyo said modern payments infrastructure will be critical.
“Outdated correspondent banking models built for batch processing are colliding with programmable, real-time money,” he said.
“Banks aren’t being replaced — rails are. Near-instant settlement with transparent rails fundamentally changes cross-border payments, treasury operations and foreign exchange flows.”
He argued that fintech firms that understand payments, regulation and enterprise workflows — and apply technology where it genuinely removes friction — will shape the future of banking in the region.
With strategic partnerships and a focus on enterprise-grade infrastructure, Kuva is positioning itself as a foundational player in Zimbabwe’s evolving digital financial ecosystem — building not just applications, but the rails powering the future of money movement in frontier markets.
