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Plumter

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Plumter

Financial tools for cross-border trade

plumter.com
HQ: Lagos, LA, Nigeria; Remote
11-50
Fintech

Company research

Public company, workplace, funding, and market signals

Overview

Plumter is a Lagos-based fintech that provides B2B cross-border payment infrastructure for emerging-market businesses, helping them send and receive money in 120+ currencies through a web/mobile product and API.

Primary product

B2B cross-border payments platform for businesses

Founded

2021

Headquarters

Lagos, Nigeria

Team size

1-10 employees

Industry

Financial Services

Sub-industry

Cross-border payments / international payment infrastructure

Offices

Middletown, Delaware, United States
Newark, Delaware, United States

Business model

transaction fees
subscription
API access

Funding

Stage

Seed

Total raised

$1.3M

Latest round

Seed Round · Jul 2022

Latest amount

$125K

People & investors

Leadership

Yinka Elujoba

Co-founder & CEO

Oladayo Awotokunbo

Head of Operations

Emisho Victor

Founding & Sole Product Designer

Founders

Eni Joshua

Co-founder

Investors

Labs by ARM
TVC Labs
Ventures Platform
Y Combinator

Work & culture

Small, founder-led, compliance-heavy fintech focused on speed, transparency, and customer support for cross-border trade.

Benefits

transparent pricing with no hidden charges
secure and compliant fund transmission
real-time exchange rate visibility
detailed reporting and statements
instant payment tracking
team role delegation
support for multiple teammates
liquidity access through global bank partners
customer support

Product & market

Pricing

Transparent pricing; no hidden charges; API/business pricing likely quote-based.

Differentiators

  • —120+ supported currencies
  • —95% of payments completed in under 48 hours
  • —web, mobile, and API access
  • —real-time exchange-rate and payment tracking
  • —role-based team access
  • —compliance with licensed banks and cross-country licenses
  • —robust liquidity via global bank partners
  • —AI-powered multilingual invoicing

Technology

web app
mobile app
API
real-time FX rates
payment tracking (UETR/OMAD/IMAD)
multi-currency infrastructure
stablecoin infrastructure
AI-powered multilingual invoicing

Customers

small importers
large multinationals
Olayfis Global Resources
Rank Capital Limited
Sintita Enterprise
Gefallen Enterprises

Competitors

Payoneer
Remitly
Wise
Flutterwave
NALA
Chipper Cash

Scale & contact

Estimated revenue

~$1M annual revenue (estimated ARR)

Estimated monthly visits

164.3K

support@plumter.com+1 914-520-0397

Latest news

Today marks 4 years since I joined Plumter (YC W22) as its founding and solo designer

LinkedIn post · Jun 2026

Emisho Victor reflected on four years at Plumter and noted work on compliance, operations, AI systems, and the company’s small team.

Digital Identity verification and Cross Border Payment’s Security: Our work with Plumter

Prembly blog · Nov 2023

Prembly described its work with Plumter on identity verification and security for cross-border payments, highlighting compliance/KYC and safer onboarding.

Nigeria has 18 startups in YC W22

TechCrunch · Mar 2022

TechCrunch profiled Plumter as one of the YC W22 African startups, describing it as an easy foreign-payments product for Africa and noting founders Yinka Elujoba and Eni Joshua.

Y Combinator W22 batch confirms additional African startups

TechBuild Africa · Mar 2022

TechBuild Africa listed Plumter among the African startups confirmed for YC W22, describing it as a payment API provider connecting African businesses and consumers to global payment rails.

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