Investors
Investing with Lumifrik
Lumifrik works with institutional investors, development finance institutions, family offices, corporates and governments who want exposure to Africa's financial infrastructure through a partner with working technology and a clear regulatory path.
Information on this page is for qualified institutional and professional investors. It is not an offer or solicitation to buy or subscribe for any securities, tokens or financial products.
Partnership opportunities
We structure each partnership around what the investor wants to own and where the regulation sits. Capital that must be held by a licensed entity stays in that entity. The technology stays with the group and serves every market.
Banking group partnerships
For investors who want to own or co-own a licensed bank in Africa. The investor provides regulatory capital; Lumifrik provides the banking platform, the brand and group services, and the operating model across markets.
Group-level investment
Strategic investment in Lumifrik Holdings, which owns the group's technology and holds interests in its subsidiaries.
AccessAvailable to qualified investors through a private process.
Project and infrastructure finance
Co-investment alongside states, construction partners and financiers in bankable public-private partnership portfolios.
Programmes in structuring
The programmes below are being structured. None is currently open for subscription. Terms will be set out in offering documents for eligible investors only, where and when permitted by law.
| Programme | Description |
|---|---|
| Lumifrik Strategic Patrons Program (LSPP) | An invitation-only council of strategic patrons, in Platinum, Gold and Silver tiers, with an annual summit |
| Lumifrik Diaspora Investment Bond (LDIB) | A fixed-income instrument for the African diaspora, designed to be Sharia-compliant, with a planned 3 to 7-year term |
| Lumifrik Technology Innovation Fund (LTIF) | Co-investment with venture capital funds in AI, blockchain, fintech, sovereign cloud and e-governance |
| Africa Export Trade Fund | Trade finance for African exporters, initially in agriculture and fertilizer, with independent collateral management |
| Infrastructure bonds and sukuk | Financing for infrastructure projects through bond and sukuk issuance |
| Tokenized real assets | Fractional interests in assets such as real estate, gold and renewable energy |
Patron Council
The Lumifrik Patron Council brings together heads of institutions, business leaders and strategic investors who support the group's mission. Membership is by invitation. Members are invited to an annual summit and receive regular briefings on the group's progress.
Our process
- Qualification.A short investor and partner qualification questionnaire.
- Due diligence.KYC and AML checks, followed by access to our data room under a confidentiality agreement.
- Structuring.Choice of instrument, entity and jurisdiction, with independent legal advice on both sides.
- Reporting.Regular reporting to investors and oversight by board committees.
Safeguards
Governance
Board oversight, with audit, risk and strategy committees.
Compliance
KYC, AML and regulatory compliance in every jurisdiction where we operate.
Transparency
Traceable records of operations and regular reporting.
Custody
Client and investor assets held with regulated custodians.
Investor enquiry