Unlock USD Liquidity.
Everywhere You Operate.

The USD liquidity & settlement layer for banks, payment platforms, financial institutions, and the enterprises they serve across Africa and Latin America

Trusted partners

  • Circle
  • Bridge
  • Bitso
  • Yellow Card

The bottleneck

Still waiting on dollars?

The money's there. The dollars aren't.

  • Malawi
  • Mozambique
  • Angola
  • Burundi
  • Zimbabwe
  • Zambia
  • Ethiopia
  • Egypt
  • and more

Months. Sometimes never.

When dollars are rationed, there's no timeline — and no guarantee they ever clear.

Suppliers wait

Payments held back for USD clearance.

Dividends stall

Repatriation stuck in review for weeks.

Cash can't move

Settlement sits in the queue, indefinitely.

Corporates, payment platforms, and banks — everyone waits on the same scarce dollars.

See how Artoh fixes this

The solution

Getting dollars shouldn't take months.

The bank doesn't have the dollars.

In hard-currency markets, you request USD from your bank and wait. Weeks become months, with no guarantee.

USD allocationPending

1days

Still waiting. No guarantee.

Time to USD

Weeks to months

If at all

Certainty

No guarantee

Allocation queue

Access

Rationed

Whatever the bank has

Instant USD access.

Artoh taps deep USD liquidity directly, so you get dollars on demand, even where local banks can't deliver.

USD accessReady

Same day

Dollars on demand.

Time to USD

Same day

Hours, not months

Certainty

Reliable

Deep liquidity

Access

On demand

Whenever you need it

Who we serve

The USD liquidity rail for banks, payment platforms, and corporates.

We're the USD liquidity layer institutions build on. Deep dollar access and fast, compliant settlement, even where local banks can't deliver.

Banks

Access deep USD liquidity at competitive rates, and settle cross-border faster for your clients, even where local dollars are scarce.

Payment platforms

Power cross-border payouts and collections with embedded USD liquidity and fast, compliant settlement.

Corporates

Get the dollars you need on demand. Fund suppliers, repatriate revenue, and keep capital moving in hard markets.

Why Artoh

Move dollars instantly, even where they're scarce.

  • Deep liquidity, on demand

    Access USD liquidity when you need it, and move capital across borders in hours, not weeks, even where local dollars are scarce.

  • Competitive pricing

    Better FX rates and lower total cost than correspondent banking, with pricing you can plan around.

  • Compliant by default

    Every transaction runs through licensed, regulated partners, with KYC/AML built in across every region we operate.

  • Full transparency

    Track rates, timelines, and confirmations in real time, with no black-box intermediaries between you and settlement.

Aerial view of a container ship being loaded by a gantry crane at port

Across industries

The businesses we keep moving.

From agribusiness to Oil & Gas, Artoh keeps capital moving across Africa and Latin America, enabling global businesses to pay suppliers, fund projects, and repatriate profits without the wait.

Keep cargo moving, not stuck at clearance.

Pay suppliers and clear customs without waiting on FX allocations or bank queues. Cross-border settlement in hours, not weeks.

Move dollars instantly.

Talk to our team about liquidity and settlement, for your business or the customers you serve.

Talk to Sales