One identity. Four brands. Africa's financial ecosystem.

Fuel your life. On your terms.

Instant access for fuel, cars, and maintenance. Drive now, settle on your terms — backed by Vora Guard real-time vehicle protection.

For Investors
Vora Group · Customer Story
Storefront Plans

Two product tracks. Six tiers. One checkout.

Base pricing shown in USD ($). Shopify Checkout automatically converts to your local currency at the point of sale.

Track 01

VoucherFlow

Full comparison →
VoucherFlow Starter tier card
VoucherFlow

Starter

$49
USD/mo

500 mints/month · 3 seats

  • 500 voucher mints / month
  • 3 team seats
  • Standard analytics
  • Email support
VoucherFlow Professional tier card
VoucherFlow

Professional

$149
USD/mo

5,000 mints/month · Analytics

  • 5,000 voucher mints / month
  • 10 team seats
  • Advanced analytics
  • Priority support
VoucherFlow Enterprise tier card
VoucherFlow

Enterprise

From $499
USD/mo

Unlimited · Custom SLA

  • Unlimited mints
  • Unlimited seats
  • Custom SLA & compliance
  • Dedicated success manager
Track 02

VoraCommunity

Full comparison →
VoraCommunity Seed tier card
VoraCommunity

Seed

$16
USD/mo

Up to 50 members

  • Up to 50 members
  • Community Viability Score
  • Basic payouts
  • Email support
VoraCommunity Growth tier card
VoraCommunity

Growth

$38
USD/mo

Up to 500 members · Payouts

  • Up to 500 members
  • Automated payouts
  • Advanced governance
  • Priority support
VoraCommunity Enterprise tier card
VoraCommunity

Enterprise

From $199
USD/mo

Unlimited · White-label

  • Unlimited members
  • White-label branding
  • Custom integrations
  • Dedicated success manager
Enterprise & Custom Quotes

Talk to corporate sales on our official WhatsApp channel for instant onboarding and custom pricing.

Open Corporate WhatsApp
🇳🇬Nigeria
🇿🇦South Africa
🇬🇭Ghana
🇰🇪Kenya
🇪🇹Ethiopia
Vora Group · 40s explainer
42B+
Value Deployed
across all currencies
184K
Verified Members
99.97%
Uptime
Triple-Lock Identity
Every account verified across four government-grade rails
National ID Verified
National ID matched
Bank ID Integrated
Bank-grade identity
AI Facial Recognition
Liveness verified
GSI-Protected Recovery
Asset-secured lending
Why Vora Exists

The Problems We Solve

The Leakage Problem

Billions lost annually to aid diversion, subsidy embezzlement, and expense fraud across Africa. Money sent with good intent arrives depleted or misrouted.

The Access Problem

Most Africans cannot access money market rates, investment returns, or cross-border financial tools. Geographic and institutional barriers keep returns out of reach.

The Trust Problem

No audit trail. No enforcement. No accountability when money moves through traditional systems. Opacity enables fraud and erodes confidence in financial institutions.

Pivotal Feature

VoucherFlow

The cashless spending system that guarantees every unit reaches its intended purpose.

  • Issue programmable vouchers instantly
  • 9-point QR verification at point of spend
  • Zero leakage — every unit tracked
Issue Your First Voucher
VORA VOUCHER#A3F2
₦5,000
NGN
🛒 Grocery⛽ Fuel
ACTIVE
Faith & Community Finance

VoraCommunity

Your congregation contributes weekly. Your project gets funded. No collateral. No banks.

  • Weekly contributions build your score
  • Staged disbursement — funds released as you contribute
  • Transparent pool — every member sees every transaction
Calculate Your Score
COMMUNITY POOL
R 48,000
68% funded
Next disbursement in 3 weeks
AO
JM
SK
+47 members
The Ecosystem

Four brands. One access engine.

Every product in the Vora Group Ecosystem runs on the same verified identity layer, the same liquidity rails, and the same risk model — built for the velocity of African commerce.

VoraPay

Vora Guard — Real-time vehicle protection

Every spending power line is paired with live GPS telemetry, geo-fencing, and remote engine controls. Lend with absolute confidence.

  • Verified across National ID, Bank ID & biometric rails
  • Backed by GSI-protected recovery
  • Settlement in T+0
Live
VEH-2241 · Lagos
Speed
42 km/h
Vora Guard active
Geo-fence intact · Engine kill ready
TrustVault

Liquidity Vault — High-velocity returns

Deploy capital into the same engine powering Africa's most active access network. Daily compounding, AAA-rated tranches, full transparency.

  • Verified across National ID, Bank ID & biometric rails
  • Backed by GSI-protected recovery
  • Settlement in T+0
Liquidity Vault
Live ROI · Vault #017
+18.4% APY
Total earnings
2,481,204.18LOCAL CURRENCY
+1,284.40 last hour
Velocity
4.2x
Tenor
30d
Risk
AAA
Supported: NGN · ZAR · GHS · KES · ETB
OjaFlow

Trade Ledger — Inventory that pays itself

Working capital, daily settlements, and a ledger merchants actually understand. Restock today, repay tomorrow.

  • Verified across National ID, Bank ID & biometric rails
  • Backed by GSI-protected recovery
  • Settlement in T+0
Trade Ledger
Adekemi Stores · Live
Daily settlement
Available float
1,284,500 NGN
Bag of rice · 50kg ×12
TXN-8821
+540,000
Inventory restock · Dangote Cement
TXN-8820
215,000
Daily settlement · Balogun stall
TXN-8819
+184,500
Float top-up
TXN-8818
90,000
POS sales · Tuesday
TXN-8817
+312,800
VoraCommunity

Community Finance — Faith groups and circles

Pooled weekly contributions, staged disbursement, emergency cover, and project finance. Governed by your community. Secured by Vora.

  • Multi-signature governance — 3 registered officers
  • Staged 5-tranche disbursement — no single transfer
  • VoraShield emergency cover for members
VoraCommunity
Active Circles · Live
3 Groups
Combined Weekly Pool
135,000 NGN
Staged disbursement active
Grace Chapel
Silver · 24wk streak
45,000
Rehoboth Circle
Bronze · 14wk streak
28,000
New Life Stokvel
Gold · 38wk streak
62,000
2/5 tranches
Expanding Ecosystem

More From Vora Group

Beyond the core three brands, Vora Group is building the complete financial infrastructure layer for Sub-Saharan Africa.

Programmable Spending

VoucherFlow

Programmable value transfer infrastructure for organisations. Category-locked, cryptographically enforced, fully auditable.

Explore VoucherFlow
BETA

Money Market Access

Vora Invest

Bank rate discovery and referral platform. Vora Group connects you to regulated bank products — all rates indicative, partnerships in development.

Explore Vora Invest

Compliance & Identity

Vora Sentinel

Triple-lock identity verification: NIN, BVN, AI liveness. NDPA 2023 and POPIA compliant. Autonomous admin guardrail. Hardware-bound.

Learn More
NEW

Community Finance

VoraCommunity

Faith community contribution pooling and project connection platform. Consistent contribution builds your Community Viability Score — not collateral.

Calculate Your Score
The Flow

Simple for users. Powerful under the hood.

1

Organisation funds a wallet

An enterprise, NGO, or government loads funds into a TrustVault Vault wallet. Idle float earns yield while waiting to be distributed.

2

Recipients get a QR voucher

Beneficiaries receive a category-locked digital voucher. Spending is constrained to approved categories and whitelisted merchants — cryptographically enforced.

3

Merchants scan and settle instantly

Merchants scan via OjaFlow. A SHA-256 immutable ledger records every transaction. Revenue splits distributed in real time.

Geographic Reach

Built for Africa. Ready for the world.

🇳🇬

Nigeria

NGN · NDPA_2023

Launching Soon
🇿🇦

South Africa

ZAR · POPIA

Launching Soon
🇬🇭

Ghana

GHS · DPA_2012

Launching Soon
🇰🇪

Kenya

KES · ODPA

Launching Soon
🇪🇹

Ethiopia

ETB · NONE

Launching Soon

Expanding across Africa and globally.

5
Countries
NG · ZA · GH · KE · ET
5+
Currencies
NGN · ZAR · GHS · KES · ETB
9-Point
Verification
Nat. ID · Bank ID · AI + 6 more
4.2×
Capital Velocity
TrustVault CVI baseline

Zero leakage. Every kobo accounted for.

Regional Partnership

Partner With Us. Own a Region.

Vora Group is opening regional participation opportunities across Sub-Saharan Africa. Partner with us to bring programmable finance to your market.

Zero Tech Cost

The platform is designed, built, and maintained by Vora Group. Regional partners focus on compliance and market development — not engineering.

Real Revenue

Earn from transaction fees, SaaS subscriptions, and float interest. Revenue splits configured transparently and enforced automatically on-chain.

Full Transparency

Real-time earnings dashboard. Immutable audit log. Every kobo accounted for. Revenue rules version-controlled and permanently logged.

Already a partner? View your agreement · Admin Dashboard