About Treo
Built across the continent.
Treo was founded in 2019 by four operators across Lusaka, Lagos, Nairobi, and Accra — all of whom had spent years building local ecommerce and watching cross-border African commerce remain stuck in the gap between Mobile Money's continental scale and platform infrastructure that didn't acknowledge it. We built a platform across the continent: Mobile Money native, regionally licensed, multi-currency settled, and operationally based in the markets we serve.
How we built across borders
Treo operates entities in our top six markets — Zambia, Nigeria, Kenya, Ghana, South Africa, and Côte d'Ivoire — with platform engineering distributed across our local offices. We hold payment licensing in each market and partner with regional logistics providers under master agreements that pass continental scale through to our sellers.
How Mobile Money native means more than integration
Most platforms 'support' Mobile Money as a payment option alongside cards. Treo treats Mobile Money as the default, with card payments as the alternative. Settlement, refunds, dispute resolution, and seller wallets all run through Mobile Money rails; the operational rhythm of the platform is calibrated to how Mobile Money actually works in African markets.
Who we serve
African sellers running digital commerce — small businesses, artisan brands, and the new wave of consumer brands selling across the continent. Diaspora customers who want to shop directly from sellers at home and send goods to family. International buyers building African product programs. Plus the logistics and payment partners across our network: 40+ logistics partners, eight Mobile Money operators, and a continent's worth of working commerce.