Hello ,

I currently co-run a fintech start-up in the DRC*, which aims to bridge the financial inclusion gap through offline payments. Our platform allows users to make payments, transfer money, etc., entirely offline. Think of us as the 'Square' for offline payments in DRC, plus more.

We've received acquisition offers from 3 heavyweights in the African banking/payments sector, and are deciding whether or not to accept an offer.

Stats:

Offer 1 is from the #1 payments processor on the continent. We believe their offer is driven by their desire to expand their portfolio, as the online payments space is becoming saturated.

Offer 2 is from a bulge bracket bank seeking to reach the unbanked in the rural areas

Offer 3 is from one of the continent's top fintech innovation labs. They develop technology solutions for financial institutions.

Our stats:

Launched in Jan. 2017 as a banking solution for the 70% of the nation who are currently unbanked.

Team comprises of very experienced technologists

$ 13 k revenue (not bad by DRC standards)

5500 users, 40% active at least once a week

$130 k processed in transactions

Clients include one of the nation's top universities, government parastatals, microfinance banks, a major waste disposal company, etc.

In advanced talks with the nation's (and one of the continent’s) largest telecommunications company. If all goes well, all their users will be able to process transactions on our platform. This deal will expand our user base by 20 million.

We got applied to join 500 StartUps and got to the very final round- that's a good sign, right?

Business model: We make a % on every transaction processed.

PS- This is a very real life case; please help!

Thank you.

(edited)