面向新兴世界的现代货币。

Loam 在 34 个国家和 5 个大洲之间转移资金——即时到账，费用仅为传统方式的一小部分。营运资金可赚取收益，卡片可用于消费，摩擦被移除。

在线试用
~5 sec
Average settlement time
24/7
Availability — vs 5 days a week on banking rails
80%
Average saving compared to local competitors
来自我们的网络
高盛Citadel德意志银行托克谷歌DeepMindSolanaStellar

Loam 适合谁

Banks

Loam gives banks instant cross-border settlement and local-currency payout across live corridors, so customers can move money without the bank maintaining a correspondent relationship in every market.

Remittance groups

Remittance operators can keep corridors open around the clock, settle into local currency, and reduce the cost and weekend delays that make emerging-market payout hard to run at scale.

Payroll

Payroll teams can fund once, pay many markets, and keep contractors receiving the currency they use locally without opening and reconciling bank accounts in every country.

Treasury

Treasury teams get one place to hold balances, convert currencies, settle obligations, and keep idle working capital earning yield while it waits for the next payment cycle.

Trade finance houses

Trade finance houses can fund a flow, hold funds against agreed conditions, release payment when both sides deliver, and keep the repayment path visible from origination to settlement.

PSPs

PSPs can add cross-border settlement and local payout through Loam while keeping their existing customer, wallet, and reporting stack intact.

iGaming

iGaming finance teams can settle operator balances and cross-border payouts continuously, including weekends, with every counterparty verified before money moves.

Insurance

Insurance operators can collect premiums, pay claims, and reconcile cross-border flows across markets while keeping counterparties verified and every movement traceable.

银行入金、银行出金，中间流程一站式处理。

Payments

Fund from any bank you already use and pay any verified counterparty; they receive their own local currency the same day. No correspondent banks, no weekend hold.

FX

Exchange between currencies near mid-market, with the spread shown up front. The rate you're quoted is the rate you get.

Escrow

Hold funds against agreed conditions and release them automatically once both sides deliver. Built for new counterparties and high-value trades.

Yield

Cash sitting between deals earns daily yield and stays fully redeemable — what a bank account should do, and doesn't.

Private Credit

Finance your receivables to free working capital, so you're not waiting on a buyer to pay before you can pay your supplier.

让首席财务官真正喜欢的安全与控制。

对每个交易对手方进行 KYB

每个实体在交易前都会经过验证，并将制裁筛查和交易对手方记录集中保存在一处。财务团队可以在资金转移前基于一致的记录审核交易对手方，减少分散在电子邮件和电子表格中的人工检查。

隔离托管

受监管托管中的资金从入金到付款都保持隔离、可追踪，并可完整对账。托管视图旨在让运营余额、结算流和付款活动便于财务审核人员理解。

完整审计追踪

每项操作、结算和发票都有时间戳并可导出，因此财务可以将每个数字追溯到来源。该记录为团队提供了一个统一位置，用于查看谁批准了资金流动、何时完成结算，以及支持发票或付款指令如何关联到最终数字。

Customer API

结算通道，可由你的技术栈调用。

读取交易、发票与余额；将资金转至已批准的目的地。每一项保证都已发布在 OpenAPI 3.1 合约中，并在 API 层下方强制执行。

  • 交易、付款、资金管理、列表与兑换通道，汇聚于一份合约
  • Idempotency-Key 在每次写入时 — 重放会返回首次结果
  • 通过提升认证授予的资金权限，可按有界时钟撤销
探索 API
POST /api/v1/payments
curl -X POST "$HOST/api/v1/payments" \
  -H "Authorization: Bearer $TOKEN" \
  -H "Idempotency-Key: pay-2026-08-14-0031" \
  -d '{
    "destination_id": "3f0c5f1e-…",
    "amount": 2500000,
    "currency": "USD"
  }'

// Response — 202 Accepted
{
  "id": "8c1d7a52-…",
  "status": "processing",
  "amount": 2500000,
  "currency": "USD"
}

已在新兴通道完成结算。

Trade-finance repayments, settled across continents.

Trade finance · East Africa → Singapore

A trade-finance fund routes exporter repayments from East Africa to its Singapore desk through Loam — settling in seconds instead of days, hundreds of thousands a month and scaling, with idle balances earning yield between cycles.

  • Settling in seconds instead of days
  • Hundreds of thousands a month and scaling
  • Idle balances earning yield between cycles

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

Grain · across Southern Africa

A regional grain network settles cross-border trades across the Botswana–South Africa corridor — over $4m to date — and draws on Loam financing to fund the seed and inputs for next season.

  • Cross-border trades across the Botswana-South Africa corridor
  • Over $4m to date
  • Financing for seed and inputs for next season

High-volume payouts across SADC, around the clock.

High-volume payments · across SADC

A telecoms operator runs continuous, high-frequency payments across the region on Loam — dozens of payouts settling instantly, 24/7, at a fraction of bank cost.

  • Continuous, high-frequency payments across the region
  • Dozens of payouts settling instantly, 24/7
  • At a fraction of bank cost
常见问题

财务团队在上线前会问什么。

还需要更多信息吗？Loam 会在 30 分钟的电话会议中为你演示具体流程。

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.

Who's it built for?

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.

仍有疑问？预约 30 分钟演示

开始结算 仅需几分钟。

不到一天完成 KYB 验证。无设置费。无最低限额。无锁定期。

预约电话
Loam © 2026 Loam.
预约电话 隐私 条款 开发者 安全 状态

Loam is operated by Agridex Limited, company no. 13184186, registered in England and Wales, with registered office at Thomas House, 84 Eccleston Square, London, England, SW1V 1PX

在线试用