We finance the needs that move a continent.
TUYO CAPITAL builds and backs financial infrastructure for ventures that serve fundamental human needs across Africa. Not want. Need.
Illustrative planning targets only; not current operating results.
Always focus on need, not want. There is always a market for a need business.
TUYO CAPITAL exists because TUYO-related operating ventures across Mobility + Infrastructure, Healthcare, Energy and Digital Systems encounter recurring financing barriers. We are developing the financial infrastructure around those needs.
Read the thesis →Need-anchored
Organize financial infrastructure around health, energy, mobility, food, shelter and income.
Embedded distribution
Build around existing venture relationships and verified real-world demand rather than purely external acquisition.
Contextual data
Use venture-generated operating data, subject to appropriate consent and governance, to support more contextual underwriting.
Pan-African ambition
Design for cross-border expansion using licensing, BaaS, mobile-money and corridor partnerships where legally available.
Two initiatives. One infrastructure thesis.
Hájá and Consilia BGS represent financial and intelligence layers being developed around the wider TUYO venture ecosystem.
A digital-first needs bank, “Banking Built Around What You Need.” Its name comes from the Hausa word for need. Hájá Bank organizes savings and lending around six pillars (Health, Energy, Mobility, Food, Shelter, Income) and plans to reach all 54 African countries through phased licensing, mobile money, and remittance corridors.
Visit Hájá mini-site ↗The current concept contemplates an initial Nigeria pilot and phased market entry through direct licensing and regulated partnerships, subject to approvals and capital.
View portfolio details →A market intelligence platform for Kenya's small-business economy. It turns fragmented local signals into verified insight and practical guidance for the FMCG and retail, financial services, logistics, clean energy, and agriculture sectors. The pilot covers Nairobi, Kiambu, and Machakos counties.
Visit Consilia BGS ↗Build the layer the ventures need.
The model starts with real operating needs, builds fit-for-purpose financial infrastructure, and then structures pathways for responsible cross-border scale.
Identify the wall
Find the financing barrier that blocks a venture or its customers from scaling.
Build the layer
Design need-anchored products, contextual data models and embedded distribution around that barrier.
Scale responsibly
Expand only through structures appropriate to each market, including licensing and regulated partnerships.
The operating ventures create the context.
TUYO CAPITAL is designed to work alongside a broader TUYO-related venture ecosystem across Mobility + Infrastructure, Healthcare, Energy and Digital Systems.
Investor access remains restricted.
Access is limited to pre-authorised investors and strategic partners.