Broco is building the financial layer francophone Africa needs but doesn't have yet, by starting where the money already flows. Not in bank accounts (most people don't have one, by choice), but in the supply chains, the merchants, the delivery drivers, the cash that moves through every neighborhood every day.

Our thesis is contrarian: people aren't unbanked because banks don't exist. They're unbanked because banks aren't useful — yet. Small merchants want cash to pay their suppliers; that preference trickles down to consumers, who have no reason to keep money digital. We're changing that by becoming the rail the cash itself travels on.

We're launching three connected apps simultaneously across Algeria, Morocco, and Tunisia — Broco for consumers, Broco Transporter for delivery drivers and couriers, and Broco Agent for merchants and neighborhood cash points. Behind them: a double-entry ledger, a real-time reconciliation engine, native iOS and Android apps,...