Most people don’t care about technology. They just want something useful

What we do

Commercial banks

Most cross border transactions are mostly settled via the US Dollar, and correspondent banks, adding additional costs and regulatory obligations. Add in, from an African context, currency controls, it becomes an admin nightmare, with numerous costs and delays, both for the bank and its clients – It doesn’t have to be this way.

The advent of distributed ledger technology and APIs has alleviated the need to use correspondent banks, and it’s no longer necessary to pass through the US Dollar. Banks can simply “go direct” – DEMARS would be delighted to demonstrate how.

Payment service providers (PSPs)

DEMARS partners with PSPs to provide automated domestic pay-in and pay-out solutions. As well as global e-commerce rails and online merchant plug-ins to settle transactions that are difficult to process via acquiring banks.

Company treasurers

DEMARS offer companies trading in multiple jurisdictions with cross border payment and settlement solutions, which they can either use to manage their internal treasury operations or offer as a service to their customers – There is often no need to use expensive third parties.

Asset managers

Tokenised value is the next step in the evolution of the administration of collective investment schemes. Unit trusts and open/closed-ended investment companies will be no more.

DEMARS implements technology for asset managers which enables them to save money on administration costs, whilst at the same time attracting additional assets. As the “value” they are managing can easily be exchanged and transacted with. There is no need for investors to fill out realms of forms. All of this can be automated in a regulatory compliant manner.

Savings clubs & co-operatives

Running a Sou-sou, Sacco, Stokvel, or any sort of savings & credit cooperative can be an administrative burden. Software solutions abound, yet are often unaffordable and complicated to implement. DEMARS take these hassles away, by providing managers with a free Web App to manage members’ accounts and investments. Whilst providing all members with a free Mobile App to transact between themselves and view the value of their savings.

Co-operatives can also offer cross-border payment and merchant acceptance solutions to their members. Generating additional income for all.


At DEMARS we believe that microlenders play a pivotal role in their communities. In these difficult times, with increased defaults and provisions, we are there to partner on innovative new products and services. So microlenders and microfinance institutions can attract additional deposits and raise non-interest revenues.


DEMARS has worked with several startups over the years. We are one ourselves, so know how hard it is.

For FinTech startups, we offer a solution whereby DEMARS can provide a minimum viable product, very quickly. This is especially useful if a startup is busy applying for licenses and needs to provide a demo of their solution. This is however the one occasion where we charge a fee at inception.

Empowering organizations

DEMARS Empowers Easier Auto Imports In Zimbabwe

Zimbabwe, once a food basket is now at the verge of starvation amid an economic crisis fueled by monetary maladministration. The situation is so desperate that the savings of the …

Read moreWatch the video

DEMARS Empowers African Communities With Free Tools To
Launch Money Apps

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.

Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Sed ut perspiciatis unde omnis iste natus error sit voluptatem accusantium doloremque laudantium, totam rem aperiam, eaque ipsa quae ab illo inventore veritatis et quasi architecto beatae vitae dicta sunt explicabo.

Nemo enim ipsam voluptatem quia voluptas sit aspernatur aut odit aut fugit, sed quia consequuntur magni dolores eos qui ratione voluptatem sequi nesciunt. Neque porro quisquam est, qui dolorem ipsum quia dolor sit amet, consectetur, adipisci velit, sed quia non numquam eius modi tempora incidunt ut labore et dolore magnam aliquam quaerat voluptatem. Ut enim ad minima veniam, quis nostrum exercitationem ullam corporis suscipit laboriosam, nisi ut aliquid ex ea commodi consequatur? Quis autem vel eum iure reprehenderit qui in ea voluptate velit esse quam nihil molestiae consequatur, vel illum qui dolorem eum fugiat quo voluptas nulla pariatur.

Temporibus autem quibusdam et aut officiis debitis aut rerum necessitatibus saepe eveniet ut et voluptates repudiandae sint et molestiae non recusandae. Itaque earum rerum hic tenetur a sapiente delectus, ut aut reiciendis voluptatibus maiores alias consequatur aut perferendis doloribus asperiores repellat.