LumifrikHoldings
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Group & Subsidiaries

The Lumifrik group

Lumifrik Holdings owns the group's technology and brand. Our subsidiaries operate in regulated markets, each under the supervision of its local authorities.

Our subsidiaries

Banking

Lumifrik Banking Group

A multi-market digital banking group, built on the Lumifrik Banking Platform.

Each bank in the group is a locally incorporated institution with its own capital, board and management, as its regulator requires, and begins operating once its national banking licence is granted. Lumifrik Holdings provides the technology platform, brand and group services to every bank under long-term agreements. This model allows investors and banking partners to establish a licensed bank with proven technology from day one.

Guinea: Lumifrik Bank Guinea SA, Conakry.

  • Retail, SME, corporate and institutional banking
  • Digital banking, cards and payments, and agency banking
  • Trade finance and non-interest banking products
  • AI-assisted credit scoring using alternative data
Payments and FX · Accra

SARF-X

A payments and FX platform for cross-border trade in West Africa, using fiat currencies and regulated stablecoins.

SARF-X is designed for small and medium-sized businesses trading across the region's corridors, such as Lagos to Abidjan, who need faster, cheaper and traceable settlement. It works with licensed custodians, on- and off-ramp providers and partner banks.

  • Cross-border payments and FX for businesses
  • Stablecoin settlement with institutional-grade custody
  • Compliance built in: KYC and AML monitoring
Investment and capital markets · Conakry

Lumifrik Capital

The group's investment and capital-markets arm.

  • Fund structuring, including project, infrastructure and trade finance vehicles
  • The Lumifrik real-asset tokenization platform
  • Portfolio management for the group's investment programmes

Operating entity: Lumifrik Capital Investment et Technologies SARL, Conakry, Guinea.

Engineering · Lomé

Lumifrik Technologies

The group's engineering arm, based in Lomé, Togo.

It builds and operates the group's platforms: banking, Trust Layer, Trust ID, e-governance, sovereign cloud and cybersecurity, and leads digital public infrastructure work with governments.

Innovation · London and Accra

Humanics Lab

A digital innovation and cybersecurity hub, with a presence in London and Accra.

It supports research, prototyping and talent development for the group.

Countries

CountryRole
IrelandGroup headquarters, Dublin: governance and investor relations
GhanaSARF-X, Accra
NigeriaSARF-X, Lagos
TogoLumifrik Technologies, Lomé
BeninWAEMU coordination, Cotonou
GuineaLumifrik Bank Guinea SA and Lumifrik Capital Investment et Technologies SARL, Conakry

Regional coordination

WAEMU

From Benin

Coordination of offers and projects across the West African Economic and Monetary Union, and liaison with the Union's institutions and the BCEAO.

AES

From Mali

Coordination of offers and projects in Burkina Faso, Mali and Niger, and liaison with the Confederation's institutions.

Middle East and Maghreb

From Turkey

Investor relations, institutional partnerships and communication for the corridor between Africa and the Middle East.