Autonomous Treasury for Africa

Your cash works
while you sleep.

Settlex is an AI treasury agent that monitors multi-currency positions 24/7, converts at optimal FX moments, and settles cross-border payments autonomously. Built for African SMBs operating across borders.

UGX/USD monitored 24/7 Auto FX optimization Cross-border settlement
Treasury Agent Active
UGX Balance 84,320,000
USD Position 22,410
FX Rate 3,845 UGX/USD
▶ Optimal window detected. Converting $5,000 at 3,847.
▶ Supplier payment scheduled for Thursday.
The problem

African SMBs are bleeding money on treasury they shouldn't have to manage manually.

$2.4B
lost annually to FX volatility across African cross-border trade
3-7 days
average settlement time for cross-border business payments in East Africa
68%
of SMBs manage multi-currency positions via spreadsheets and guesswork
The solution

An AI treasury agent that never sleeps.

Settlex doesn't give you another dashboard to check. It acts on your behalf — monitoring rates, spotting opportunities, converting at the right moment, scheduling payments, and reporting back only when it matters.

Think of it as hiring a full-time treasury analyst who works 24/7, costs a fraction of a salary, and never misses an optimal window.

Before Settlex
Manually checking exchange rates
Waiting 3-7 days for cross-border settlement
FX losses from poor timing
Spreadsheet-based multi-currency tracking
Missing payment deadlines
With Settlex
24/7 rate monitoring with alerts
Same-day international settlement
Auto-conversion at optimal FX windows
Real-time multi-currency dashboard
Scheduled payments, zero missed deadlines
What it does

Everything a treasury team does — without the team.

24/7 FX Monitoring

Tracks UGX, USD, GBP, EUR and more in real time. Alerts you when optimal conversion windows open — not when you happen to check.

Auto-Conversion

Sets your target rates and converts automatically when conditions are met. No manual intervention, no missed opportunities.

Cross-Border Settlement

Schedule and execute international payments to suppliers, partners, and contractors. Tracks settlement status in real time.

Multi-Currency Ledger

One view of your complete cash position across currencies. Know exactly where your money is, at all times.

Smart Alerts

Reports only what matters: rate shifts that affect you, payment confirmations, liquidity warnings. No noise, no spam.

Cash Flow Forecasting

AI-generated forecasts based on payment schedules, historical patterns, and FX trends. Plan ahead, not reactively.

How it works

Running in three steps.

01

Connect your accounts

Link your business bank accounts, mobile money wallets, and payment platforms. Settlex supports major African banks and payment providers.

→
02

Set your rules

Define target FX rates, payment schedules, currency exposure limits, and notification preferences. Settlex learns your preferences over time.

→
03

Watch it work

Settlex runs autonomously. You receive brief, actionable reports on what it did and why. Your cash is working — even at midnight.

African businesses deserve the same treasury intelligence that Fortune 500 companies pay millions for. We're making it autonomous, affordable, and built for how African businesses actually operate.
Settlex is for the diaspora entrepreneur juggling UGX, USD, and GBP. For the importer in Kampala watching the shilling slip while waiting for a supplier payment. For every African SMB that's been forced to manage cross-border cash flow with a spreadsheet and a prayer. You deserve better. You deserve an agent.
The future of African treasury is autonomous.

Settlex runs your treasury
while you build your business.

Every African SMB will one day have an AI treasury agent — just as they now have business bank accounts. Settlex is building that infrastructure now.