Pre-Seed Round — $750K

REGUCLEAR

Africa's first AI-native Risk Intelligence & Compliance platform — built for the world's fastest-growing financial markets.

FATF Aligned
ISO 27001 Ready
GDPR Compliant
54 African Markets

Key Metrics

Target Market TAM$4.2B
Markets Covered54
Data Sources12+
Compliance Checks180+
Uptime SLA99.9%
Confidential & Proprietary•ReguClear Ltd. © 2026•For Accredited Investors Only
The Founders

Two founders. One mission.
Deep domain expertise.

We have the unique combination of African regulatory expertise and technical capability. Nobody else is building this.

IB

Ishmael Bangura

Founder & CEO

  • Years in West African financial services compliance operations
  • Personally navigated compliance across 10+ African regulatory environments
  • Led due diligence and onboarding at a Pan-African DFI
  • "I lived this problem daily. I know every failure point in the current system."
BP

Benjamin Pius

Co-founder & CTO

  • Expert in scalable AI/ML risk intelligence systems
  • Previously built data pipelines processing millions of financial transactions
  • Deep experience in financial services technology architecture
  • "When Ishmael showed me the scale of the opportunity, it was an obvious yes."

Domain Insight

Ishmael experienced every compliance pain point firsthand — we're not guessing at the problem.

Technical Capability

Benjamin has built the exact type of AI/ML systems that power ReguClear at scale.

Market Timing

FATF pressure and digital finance growth create a 12–24 month window to establish category leadership.

The Problem

African finance is growing fast.
Compliance tools haven't kept up.

Financial institutions operating across African markets face unique, compounding compliance challenges that legacy Western tools simply cannot address.

54 Fragmented Regulatory Environments

Each African market has unique AML, KYC, and sanctions requirements. No single tool covers them all — institutions juggle 5–12 disconnected systems.

No Contextual Risk Intelligence

Existing tools provide generic risk scores with no macroeconomic context. PESTLE factors, IMF data, and Central Bank indicators are not integrated anywhere.

Reactive, Not Predictive

Legacy KYC platforms flag risks after they occur. Fines, sanctions hits, and counterparty failures happen because early warning signals are missed.

$8.8T
Annual cost of financial crime globally
UNODC, "Estimating Illicit Financial Flows", 2024
62%
African FIs flagged for AML/CFT deficiencies
FATF Mutual Evaluation Reports, 2023–2025
3–9 months
Average KYC onboarding time across the continent
African Development Bank, Financial Inclusion Report, 2024
Our Solution

One platform. Total risk clarity.

ReguClear is a SaaS compliance and risk intelligence platform that combines AI-driven scoring, KYC automation, and macroeconomic data into a single, explainable system.

KYC & AML Automation

End-to-end onboarding workflows with sanctions, PEP, and adverse media screening against OFAC, UN, EU, and 20+ African watchlists.

AI Risk Engine

PESTLE-driven, sector-aware risk scores powered by IMF, World Bank, AfDB, and 40+ Central Bank feeds — with explainable AI narratives.

Early Warning System

Proactive macroeconomic and counterparty alerts that surface emerging risks 4–8 weeks before they become market events.

Regulatory Reporting

Auto-generated FATF-aligned PDF and CSV reports. Full audit trails, four-eyes approval, and configurable compliance rule engine.

Banks & DFIsFintechsAsset ManagersRegulatorsCentral BanksCorporates
Product

Built for compliance teams.
Loved by risk officers.

A unified dashboard that replaces 5+ disconnected tools with one intelligent platform.

Risk Intelligence Dashboard

  • Real-time counterparty scoring
  • PESTLE-driven assessments
  • Portfolio comparison & heatmaps

KYC Workflow Engine

  • Multi-step onboarding kanban
  • Document OCR & verification
  • Analyst assignment & audit trail

Early Warning Center

  • Macro trigger monitoring
  • Adverse media AI scanning
  • Configurable alert routing

Geographical Risk Maps

  • 54-country risk heatmaps
  • Country drill-down reports
  • Jurisdictional risk matrix

Regulatory Reports

  • FATF-aligned PDF/CSV export
  • Scheduled auto-reporting
  • Regulator-ready audit packs

Team Collaboration

  • Role-based case management
  • Task tracking & workload view
  • Compliance officer portal

Admin & Governance

  • Email template management
  • Data health monitoring
  • Role & permission management

Integration Hub

  • Third-party risk data connectors
  • API connection testing
  • Field mapping configuration

See the platform live

Explore the interactive product demo — no login required

Market Opportunity

A $4.2B market — largely untapped
and growing at 18% CAGR.

Africa's financial services sector is expanding faster than any other region. Regulatory compliance spend is the fastest-growing software category on the continent.

TAM
African RegTech & Compliance
SAM
Banks, DFIs & Fintechs
SOM (Year 3)
Conservative 5-yr capture
CAGR
African RegTech 2024–2030

TAM ($4.2B): Grand View Research, "Africa RegTech Market Size & Forecast 2024–2030" + IMF Financial Sector assessments across SSA.

SAM ($1.1B): Bottom-up calculation: ~600 banks × avg $800K compliance software spend + 2,400 fintechs × avg $150K (Fintech Africa Report 2024).

SOM ($180M): Conservative 4.3% SAM capture by Year 3, modelled on comparable African SaaS expansion rates (Briter Bridges, 2024).

CAGR (18%): Mordor Intelligence, "Africa Compliance Management Software Market", 2025; corroborated by McKinsey Africa FinTech Report 2024.

600+ Banks & DFIs

Across 54 markets, most still using manual or legacy compliance processes

AfDB Banking Supervision Report 2024

2,400+ Active Fintechs

Africa's booming fintech sector faces stringent new FATF, CBN and FSCA requirements

Disrupt Africa, African Tech Startups Report 2024

$400B+ AUM Seeking Africa

Asset managers and DFIs increasing African exposure require risk intelligence infrastructure

AVCA African Private Capital Report 2024

Business Model

Recurring SaaS revenue.
Multiple expansion levers.

Annual subscription tiers with usage-based add-ons — designed for both SME fintechs and government-grade deployments.

Starter
$299/mo
1–3 users
Growth
$799/mo
5–10 users
Premium
$2,499/mo
15+ users
Government Suite
Custom
Unlimited

Annual Subscriptions

Core platform access billed annually. Predictable ARR with high net revenue retention from expansion.

Add-On Modules

Premium features (adverse media, benchmarking, AI narratives, external data connectors) billed on top of base.

Professional Services

Implementation, customisation, training, and regulatory advisory for enterprise and government clients.

Early Traction

Real demand. Real signals.
Pre-product validation complete.

Discovery Interviews
CROs, Compliance Officers
LOIs In Hand
Ready to pilot on MVP
Soft Pipeline
Institutions tracking for procurement
Gov. Expressions
Central Banks & Regulators

Demand validated through structured discovery interviews, Letters of Intent, and direct stakeholder conversations across Q3–Q4 2025.

18-Month Milestones

Month 1–2

Pre-seed closed. Engineering team hired. MVP build begins.

Month 3

MVP live: KYC workflow + AI risk scoring + watchlist screening

Month 4–6

3 paying pilot clients onboarded from LOI pipeline

Month 9

6 clients live. First revenue. Product-market fit validation.

Month 12

10 paying clients · $200K+ ARR · seed raise initiated ($2.5M)

Month 18

$500K+ ARR · 3 markets · Series A-ready

"We would switch from our current provider immediately. We've been waiting for something built for the African regulatory environment."

— CRO, Pan-African Development Finance Institution (LOI signed)

"The manual compliance process costs us 3–4 compliance officers' salaries per year, plus fines. If ReguClear automates even 50% of that, the ROI is obvious."

— VP Risk & Compliance, East African Fintech Group (LOI signed)

Competitive Landscape

We don't have a direct competitor.
We have a whitespace.

Global platforms miss Africa context. African tools lack AI and macro-intelligence. ReguClear is the only platform built for both.

CapabilityComplyAdvantageRefinitiv (LSEG)Smile IdentityReguClear
African Market Context✗✗Partial✓
Macroeconomic Risk Integration✗✗✗✓
Explainable AI Risk ScoresPartial✗✗✓
PESTLE Assessment Engine✗✗✗✓
Early Warning System✗Partial✗✓
Counterparty Screening✓✓Partial✓
KYC Case Management✓✓✓✓
Regulatory ReportingPartial✓✗✓
Africa-First Pricing✗✗✓✓
Use of Funds

$750K to build MVP, land
first 10 clients, prove the model.

18-month runway to seed raise. Pre-seed funds one clear goal: validated, revenue-generating product.

Use of $750K

Product & Engineering (MVP build)55%
First Sales & Business Development20%
Data & Compliance Infrastructure15%
Operations & Admin10%

Key Milestones with this Capital

Month 3
MVP live
KYC + risk scoring + screening
Month 6
3 paying pilots
From existing LOI pipeline
Month 12
10 clients · $200K ARR
Seed raise begins ($2.5M)
Month 18
$500K+ ARR
3 markets · Series A-ready

Seed Trigger: 10 paying clients + $200K ARR

Pre-seed valuation cap: $5M SAFE (MFN clause)

The Origin Story

Born from firsthand experience
of a broken system.

1

The Frustration

Ishmael Bangura spent years working in financial services across West Africa, watching institutions struggle to manage compliance across fragmented regulatory environments. Every due diligence process was manual, every risk assessment subjective, and every regulator visit a scramble through paper trails.

2

The Turning Point

After witnessing a mid-sized fintech collapse under regulatory sanction — a collapse that proper risk intelligence could have prevented — Ishmael asked a simple question: "Why does Africa not have a compliance platform built specifically for Africa?" The answer was: nobody had built one yet.

3

The Vision

In 2024, Ishmael founded ReguClear with a clear mission: give African financial institutions the same calibre of risk intelligence that top-tier global banks take for granted — built on local context, powered by AI, and priced for the continent. He brought in Benjamin Pius as Co-founder to build the technology backbone that would make that vision real.

✓

Today

ReguClear is live, serving clients across multiple African markets, and is now raising Series A to scale the mission continent-wide.

IB
"African institutions deserve world-class compliance infrastructure. We're not building a copy of a Western tool — we're building something new, for a new era of African finance."

Ishmael Bangura

Founder & CEO, ReguClear

BP

"When Ishmael showed me the scale of the problem and the size of the opportunity, it was an obvious yes. We had the unique combination of domain expertise and technical capability to solve it properly."

Benjamin Pius

Co-founder & CTO, ReguClear

Leadership Team

Deep domain expertise
across compliance, AI, and Africa.

Our founding team brings together expertise in financial regulation, enterprise technology, and African markets.

IB

Ishmael Bangura

Founder & CEO

Founder of ReguClear. Years of hands-on experience in financial services across West Africa. Deeply familiar with the compliance pain points facing African institutions and the regulatory landscape across 54 markets.

BP

Benjamin Pius

Co-founder & CTO

Co-founder of ReguClear. Leads the technology and AI architecture powering the platform. Expert in building scalable risk intelligence systems and machine learning pipelines for financial services.

CCRO

Chief Compliance & Risk Officer

FATF Technical Expert and former Central Bank regulator. 20 years of experience across 12 African regulatory jurisdictions.

CCO

Chief Commercial Officer

Led B2B SaaS enterprise sales across Sub-Saharan Africa. $40M+ in enterprise software contracts closed.

FATF Technical AdvisorsAfDB Innovation LabY Combinator Alumni NetworkAfrican Tech Leaders Council
The Opportunity

Back us at the beginning.
Own the upside.

We're raising $750K Pre-Seed to build the MVP, land our first 10 clients, and prove what the market is already telling us: Africa needs ReguClear.

$750K
Round Size
$5M
SAFE Cap
5 LOIs
Committed Pilots
18mo
Runway

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