Niatse
Niatse
African trust-commerce infrastructure

NIATSE is the operating system for trusted African commerce.

One super-platform for business operations, Money Flow, Susu, trust, storefronts, invoices, payroll, capital readiness, and AI-assisted coordination.

Trust

Verification + reputation

Commerce

Offers to invoices

Finance

Money Flow + reports

Community

Susu + groups

Command state

Ada Market Studio

Trust active

Money Flow

+GHS 4,820

Storefront

23 orders

Trust

Growing

Susu

1 circle

AI recommendationHigh leverage

Convert three approved estimates into invoice drafts before Friday payout.

7

Operating workspaces

4

Trust evidence lanes

1

Unified app shell

24/7

AI command layer

One super-platform

Built as economic infrastructure, not a bundle of disconnected apps.

Niatse connects the daily workflows of African operators into one trusted operating environment: identity, commerce, finance, community, and developer integrations all strengthen the same business graph.

Business workspace

CRM, orders, projects, payroll, catalogue, storefront, and settings.

Financial layer

Money Flow, invoices, budgets, capital readiness, and reporting currency.

Trust layer

Verification, reputation signals, eligibility guidance, and risk context.

Access layer

Web, mobile, WhatsApp, SMS, USSD, voice, APIs, and AI command paths.

Everything in one place

Built for the full stack of running a business

Smart Ledger

Every MoMo, bank transfer, and cash flow automatically captured and categorised. Parse SMS receipts in real time.

Invoicing

Create professional invoices in seconds, send via WhatsApp, and track every payment from draft to settled.

Payroll

Run monthly payroll with PAYE and SSNIT auto-calculated. Dispatch payslips to every employee over WhatsApp.

Harmony Index

Your 0–100 financial health score across data fidelity, social trust, profitability, and compliance.

Capital Readiness

AI-driven analysis of your readiness for institutional funding. Know your funding gap and what to fix.

Mobile + USSD

Full iOS and Android apps. Feature-phone users join via *384*xxx# — no smartphone required.

Susu Circle

Friday Family Savings

Active
1
Kofi A.
GHS 500
2
Ama S.
GHS 500
3
Kwame B.
GHS 500
4
Abena M.
GHS 500
Period 2 of 4Next payout: Kwame B.
Savings circles, reimagined

Join a Susu circle.
Save together, grow together.

Susu is the traditional African savings circle — now with automated scheduling, MoMo payments, contribution tracking, and a Harmony reliability profile for every member.

  • Join via app, WhatsApp, or USSD (*384*xxx#)
  • MoMo contributions tracked automatically
  • On-time payments boost your Harmony score
  • Invite friends with a single link or code

Harmony Index

Know your financial health. Become investor-ready.

Your Harmony score (0–100) tracks data fidelity, social trust, profitability, and compliance — and tells you exactly what to improve to unlock the next level of growth.

Start for free
1
Unstructured0–25

Getting organised

2
Emerging26–50

Building consistency

3
Structured51–75

Scaling confidently

4
Investor Ready76–100

Institutional-grade