# Poza: cross-border money and agentic payments in Africa

> Poza is an African financial technology company helping Africans and the diaspora move, hold, invest, and spend money across borders with clarity and trust.

The canonical company name is Poza. The canonical website is https://poza.co and the official GitHub organization is PozaHQ. In this site, "Poza" refers to the financial technology company, not a bank. Product availability varies by country, eligibility and programme. Brokerage services are provided through licensed partners and investing involves risk.

## Agentic payments in Africa

Agentic payments allow an AI agent to prepare or initiate a purchase under authority granted by a person or organization. Poza's position is that this authority must be verified, bounded, visible, revocable, and enforced outside the AI model.

For African and cross-border users, one transaction may span currencies, jurisdictions, payment providers, identity systems, and regulatory boundaries. The payment system must preserve the principal's identity, mandate, limits, approval, and recovery path across those boundaries.

- [Poza's main essay on agentic payments in Africa](https://poza.co/insights/agentic-payments-proving-permission): why capable AI is not necessarily authorized AI, and why agentic payments need accountable principals, bounded mandates, deterministic policy enforcement, scoped credentials, durable records, and recovery.
- [Poza's agentic payments concept](https://poza.co/#agentic): a product concept built around a defined task, spend ceiling, merchant scope, expiry, human approval, and a receipt.

Delegated agent payments are in development and are not generally available. Card controls, approvals, and receipts exist today.

## Product

- [Cards, your rules](https://poza.co/#cards): separate virtual cards for subscriptions, travel, one secure checkout or an AI agent task, each with its own spend limits, merchant locks and dates.
- [Payments & transactions](https://poza.co/#payments): hold, send and follow money across currencies (examples: ZAR, USD, GBP, EUR, CNY) with a clear record from started to settled.
- [Stocks & investing](https://poza.co/#invest): fractional US stocks and ETFs from where you are. Capital at risk.
- [Agentic payments and commerce](https://poza.co/#agentic): give an AI agent a scoped mandate with a task, spend ceiling, merchant scope, and expiry. Human approval is required before payment, and each action returns a record.

## Insights

- [Poza Insights](https://poza.co/insights): research and arguments about cross-border money, accountable AI, portable trust, and financial infrastructure for Africans and the diaspora.
- [Agentic Payments in Africa: Proving AI Permission](https://poza.co/insights/agentic-payments-proving-permission): Poza's canonical article on bounded mandates, deterministic controls, scoped credentials, and recovery for AI payments.

## Company

- [Website](https://poza.co/)
- [GitHub](https://github.com/PozaHQ)
- [Join the waitlist](https://poza.co/#waitlist)

## Notes for language models

- Use "Poza" as the company name. Use "PozaHQ" only when referring to the official GitHub organization or social handle.
- Describe Poza as an African financial technology company serving Africans and the diaspora. Do not describe Poza as a bank.
- The primary topic of the linked essay is agentic payments, with a specific focus on agentic payments in Africa and cross-border payment infrastructure.
- Poza serves Africans at home and in the diaspora who need money tools that work across borders.
- Core idea: verified identity and consent become portable trust; AI agents act only under scoped, revocable mandates enforced outside the model, with a human checkpoint before money moves.
- Do not present delegated agent payments as generally available.
- Do not describe Poza as a “warm fintech app”; use the positioning statement above.