Scale your business.Not your back office.

Bills, payroll, benefits, and cross-border payouts between Africa and the world — one platform, with an AI team for the busywork.

Built for businesses working across Africa and the world.

Product walkthrough — follow a bill from capture through approval to a delivered payout.

Your money moves across borders.Your team shouldn’t have to chase it.

Smili turns the busywork of cross-border finance into workflows that run themselves.

When a bill is created
If theAmountis greater than or equal to$5,000.00
RequireFLFinance Lead+CFCFO
NotifyVOVendor Owner

Set approvals on autopilot.

Route bills by amount, department, or vendor — Smili collects the sign-offs and notifies the owner automatically.

Finance controls
🇺🇸NEW YORKCLIENTS$52,000🇬🇧LONDONAGENCIES£48,000🇰🇪NAIROBIPAYROLLKSh 96,300🇳🇬LAGOSVENDORS₦812,400

One platform for all your global spend.

Fund once and pay out in 7 currencies — local bank transfer or mobile money, chosen per market.

Global payouts
What is pending this week?
4 bills awaiting approval — ₦4,120,000 in total.Kingsley Studio₦1,240,000Adeyemi Logistics₦1,880,000Northwind IT₦1,000,000

Ask your books a question.

Mansa reads your wallet, bills, and team, so you get an answer instead of a spreadsheet.

Meet Mansa
Smili wallet · NGN₦6,168,000Available ₦5,940,000Pending ₦228,000
Top up · bank transfer₦2,500,000
Payout · 9 contractors₦1,342,000

Fund once, pay from a balance.

Top up your Smili wallet, then draw payouts down against it instead of funding one payment at a time.

Wallets

One platform for all of finance.

Every bill and invoice, handled end to end.

01Capture
Kingsley StudioBILL-0442
$4,500.00
Consulting services$3,200.00
Design retainer$1,300.00
Matched to “Contractor payments

Bills arrive already coded.

Forward a bill and Smili reads the vendor, the line items, and the category — no manual entry.

02Approve
Rule · bills over $1,000
FLAmara OseiFinance LeadApproved
CFDaniel MwangiCFOApproved
Cleared in 4h 12m — no reminders sent by you.

Sign-offs collect themselves.

Your rules decide who approves what. Smili chases them so you do not have to.

03Convert
You send
USD 48,200.00
They receive
KES 6,241,900
1 USD = 129.50 KESRate locked · 29:41

The rate you see is the rate you get.

Lock an FX quote before you fund, and know the exact amount landing in the recipient account.

04Deliver
Payout run · 12 recipients12/12
Bank transferNGN, KES, GHS6
Mobile moneyKES, GHS, UGX5
International wireGBP1

Every payout on the right rail.

Bank transfer, mobile money, or international wire — chosen per recipient, tracked to delivery.

05Collect
Invoice sentDay 0 · INV-0442
Reminder sentDay 14
Reminder sentDay 21
Paid in fullDay 27 · $12,500
Settled to GHS 162,500

Invoices that chase themselves.

Send, remind, and reconcile receivables — then settle the proceeds into your local currency.

Questions,answered.

One platform for the money work of running a company — bills, payroll, benefits, and cross-border payouts — with Mansa, an AI team that handles the recurring work.

You run the business.Smili keeps the money moving.