Company profile
Cloud Nine Payments Ltd
Cloud Nine Payments Ltd (Cloud9 Money) is a Kenya-based financial technology company founded in 2025 by Tesh Mbaabu and Mesongo Sibuti. Headquartered in Nairobi, the company provides a mobile-first multi-currency digital banking platform targeting millennials and Generation Z across Africa. Core products include multi-currency accounts (Kenyan shilling, US dollar, euro, pound sterling, and Chinese yuan), virtual and physical VISA cards, high-yield savings vaults, cross-border payments, cashback on spending, and bill payments. Cloud9 is not itself a licensed bank; retail banking services are delivered through a partnership with Choice Microfinance Bank (MFB), regulated by the Central Bank of Kenya.
- Sector
- Financial services / Cross-Border Payments, Digital Banking
- Markets
- Kenya
- Founded
- 2025
- Ownership
- Private
- Stage
- Startup
- Capital raised
- $500,000
- Employees
- 11-50
- Business model
- B2B, B2C Subscription, Transactional, Financial Services
Products and services
Cloud9 Money App, Cloud9 Credit, Cloud9 Insure, Cloud9 Crypto, Cloud9 Wealth & Cloud9 Business
Transactions
| Date | Transaction | Type | Value | Market |
|---|---|---|---|---|
| 6 Oct 2026 | Alliance invests USD 500k in Cloud9's operations in Kenya | Venture Capital | $500,000 | Kenya |
Source: Partner Researchers.