Lumifrik Holdings
Sovereign financial and digital infrastructure for Africa and its diaspora.
Lumifrik Holdings builds the banking, payments, identity and capital-markets technology that African institutions need to own their data, their assets and their future.
Regional coordinationWAEMU · AES · Middle East and Maghreb
What we build
Lumifrik is a technology-led group. We build core infrastructure once, own it at group level, and deploy it through licensed partners and our own subsidiaries across Africa.
Banking platform
A complete digital banking platform, licensed to the banks of the Lumifrik Banking Group and their partners.
Banking platformMarket infrastructure
SARF-X for fiat and stablecoin payments and FX, and a real-asset tokenization platform under Lumifrik Capital.
SARF-XTrust and identity
Trust Layer for real-time transaction risk decisions and audit-grade records, and Trust ID for digital identity.
Trust LayerSovereign digital services
E-governance, digital public infrastructure, sovereign cloud and cybersecurity for governments and institutions.
Solutions by sectorHow we work
We partner, we do not just advise.
Lumifrik brings working technology and an operating model. Licensed banks, regulators, governments and investors bring capital, licences and mandates. Each side does what it is built to do.
Built once, deployed many times.
One platform serves every bank and market in the group, with local compliance settings for each regulator.
Regulation first.
We enter each market through the relevant licence, sandbox or licensed partner, and say plainly where we are in that process.
Local control.
Data, keys and infrastructure can be hosted in-country to meet sovereignty and data-protection requirements.
Our markets
We focus on the ECOWAS and WAEMU economies, with a growing presence in Central Africa and a corridor to the Middle East.
Dublin
HQGroup headquarters: governance and investor relations
Conakry
GuineaLumifrik Bank Guinea SA and Lumifrik Capital
Accra
GhanaSARF-X
Lomé
TogoLumifrik Technologies
Building with governments, banks and investors.
Whether you represent a public institution, a licensed financial institution or a qualified investor, we would welcome a conversation.