See financial turbulence before it hits your balance sheet.
The AI-driven command center for African SMBs trading across borders. Forecast cash flow 90 days out and automate naira, cedi and shilling cover with zero treasury headcount.
Read-only access to QuickBooks, Xero or Sage. First forecast in about eleven minutes. No implementation fee.
Treasury console · Lekki Freight Ltd · read-only ledger access
- Nigeria
- Kenya
- Ghana
- South Africa
- Egypt
- Tanzania
- Uganda
- Côte d'Ivoire
- Senegal
A treasury desk is twelve people. You have a finance manager and a spreadsheet.
The exposure is the same one a multinational carries. What you do not have is someone whose whole job is watching it, which is why it gets watched after the fact.
The naira's fall against the dollar across 2024, most of it in two discrete moves.
Of African SMBs trading cross-border hold no FX cover of any kind.
Typical warning Soaminar gives before a projected balance crosses a covenant floor.
Median time from threshold breach to a filled non-deliverable forward.
What happens in the ninety seconds after a rate moves against you.
Read
We pull invoices, terms and wallet balances from your ledger. Read-only, revocable.
~40sProject
Every receivable and payable is dated and priced into a weekly closing balance to day 90.
hourlyDetect
A pair crosses the threshold your policy names, against the exposure actually outstanding.
<1sCover
A non-deliverable forward is arranged with the partner bank holding the best quote.
1.4sRecord
Rate, counterparty, policy clause and approver are written to an immutable line.
instantThe crunch is visible nine weeks before it arrives.
Soaminar dates every receivable and payable, prices each one in the currency it will actually settle in, and draws the closing balance forward to day 90.
The same importer, same invoices, same customs delays — the only difference between these two lines is whether the dollar payables were covered.
Median absolute error 2.8% at 30 days · 412 accounts · Q2 2026
Dashed series is unhedged. Both series are labelled at the terminal point.
Every invoice, priced in the currency it will actually settle in.
| Invoice | Counterparty | Notional | Due | Cover |
|---|---|---|---|---|
| INV-4417USD | Shenzhen Meilun Co | 268,000.00 | 12 Mar | CoveredNDF 1,612.00 |
| INV-4392USD | Guangzhou Textile | 94,500.00 | 19 Mar | CoveredNDF 1,608.50 |
| INV-4388EUR | Maersk West Africa | 41,200.00 | 02 Apr | Partial60% of notional |
| INV-4371USD | Jiangsu Steel Works | 512,000.00 | 14 Apr | OpenAbove policy ceiling |
| INV-4360GHS | Tema Port Authority | 880,000.00 | 21 Apr | LocalNo FX leg |
The thing your auditor will actually ask to see.
Every cover carries the rate, the counterparty, the policy clause that authorised it and the hash of the line before it.
The only decision here that actually costs you money.
Cover too little and a devaluation eats the margin you already earned. Cover everything and you pay carry on money that was never at risk. Move the policy and watch both sides.
Open USD exposure $1,240,000 · NDF carry 1.55%/30d
Priced under the cost of one bad devaluation.
Billed in USD, naira invoicing available. The take-rate applies only to cover actually executed.
| Plan | Per month | Includes | Take-rate on cover |
|---|---|---|---|
| Signal | $149 | 2 pairs · forecast and alerts | 0.15% |
| Sonar | $549 | 24 pairs · automated cover · multi-entity | 0.12% |
| Fleet | Custom | Dedicated analyst · custom tenors · SSO | 0.08% |
The policy replaces the person whose job would have been watching the screen.
You connect the ledger yourself. Nothing to install and nobody to schedule.
Soaminar never holds client funds. Cover settles bank to bank.
Revoke ledger access at any time. Open cover runs to maturity and stops.
The four we are asked before every contract.
Can you actually hedge the naira?
Not with a deliverable forward — that market is thin and access is rationed. Soaminar arranges non-deliverable forwards through licensed partner banks, which settle the difference in dollars rather than delivering naira. That is the instrument corporates actually use in restricted-currency markets, and it is why cover is quoted as an NDF rate rather than a spot booking.
Do you ever touch our money?
No. Ledger access is read-only, and Soaminar holds no client funds. Cover is executed by the partner institution against the written policy you signed, and either party can revoke the mandate without our involvement.
What happens if the naira moves the other way?
You give up the upside on the covered share — that is what cover costs. The policy tool above exists so you can price that trade-off before you sign it rather than after.
Which markets are live?
Nigeria, Kenya, Ghana, South Africa, Egypt, Tanzania, Uganda, Côte d'Ivoire and Senegal. Ledger integrations cover QuickBooks, Xero and Sage; collections cover Paystack, Flutterwave and M-Pesa.
Stop losing margin to currency swings. Start forecasting today.
Connect QuickBooks, Xero or Sage and read your first 90-day naira forecast this afternoon.
