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Payclusion
Payclusion is a fintech company founded in 2023 in Lekki, Nigeria. It provides a payment wallet platform for freelancers and startups, offering services...
Payclusion
Payclusion is a fintech company founded in 2023 in Lekki, Nigeria. It provides a payment wallet platform for freelancers and startups, offering services including online payments, currency exchange, invoicing, insurance, and escrow services.
General information
Firm type
Asset Manager
Sector focus
Frequently asked questions
What does Payclusion actually do?
Payclusion builds infrastructure that connects employer payroll systems to capital providers. Rather than lending directly, it authenticates workers' earnings in real time and packages those verified income streams for institutional investors seeking exposure to short-duration, wage-backed receivables. The model turns HR software into a distribution and underwriting rail for credit products.
How does Payclusion source its deal flow?
Sourcing is employer-driven: Payclusion integrates with payroll providers or directly with large employers whose workforces include hourly and shift workers. Each employer partnership provides a pipeline of pre-verified income streams, bypassing the high-cost, low-conversion direct-to-consumer marketing funnel that characterizes traditional consumer lending.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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