Driving Africa’s financial transformation by improving lives, expanding inclusion, unlocking opportunities, and empowering communities through innovation, sustainability, and shared growth.

Our Name

Origin & Meaning

The name "Citrine" is Inspired by the vibrant colors and inherent symbolism of the citrine gemstone which stands for abundance in health , opportunities, positivity, optimism, and most of all, finances.

Who We Are

About Citrine

We are Citrine Financial Group Holdings Plc, a modern, integrated, Pan-African financial services group headquartered in Kigali-Rwanda, with registration number 122633777, and a registered capital equivalent to $2,500,000.

Our Vision

A Pan-African Vision

Our vision is to become the leading Pan-African Financial Group of choice for SMEs in Africa through the development of unique financial services.

Our Values

Action-Oriented

Integrity,
Impact,
Sustainability,
Inclusion and
Excellence.

More on Leadership & Governance

Our governance framework is designed to uphold the highest standards of accountability, transparency, and integrity while ensuring that our decision-making processes align with our mission and values.

Our Subsidiaries

To be Launched in 2026

Become Part of Africa’s Financial Transformation with Just $100.

By investing as little as $100 USD, you become a stakeholder in one of our high-impact African subsidiaries and drive real, measurable change across the continent. Your investment helps us:

  • Accelerate financial inclusion for rural and low-income populations

  • Expand healthcare access and champion environmental sustainability

  • Fuel climate action and support green innovation

  • Empower youth, women, and underserved communities with financial tools

  • Build resilient ecosystems through strategic fintech advancement

This isn’t just a financial opportunity it’s a movement. A shared Pan-African vision, led by Africans, for Africans. A future where every African has the autonomy and opportunity to thrive.

Where We Invest

Countries We Invest In 2026

$230 billion Pan-African financial services market
$230 billion Pan-African financial services market

McKinsey estimates across the African continent, the financial services sector is growing at 10% annually and will reach $230 billion

in 2025 (or $150 billion excluding South Africa).

$6.3 billion pan-African private capital market
$6.3 billion pan-African private capital market

Total deal value reached $6.3 billion across Africa last year as private capital becomes a more important source of funding (an increase of 48% on 2020). The burgeoning venture capital market is a major driver. 229 M&A transactions were announced across the continent last year and there is a compelling market need among our target clients.

SMEs continue to grow in size and in number
SMEs continue to grow in size and in number

SMEs continue to grow in size and in number, driven in part by a booming FinTech and tech start-up ecosystem. They need better access to financial services, including investment banking advisory, insurance and Forex and cash transfers.Many struggle to access capital growth . There are hundreds of thousands of registered businesses in our target markets (including Cameroon, Rwanda , Nigeria , Malawi, Kenya , Ivory Coast, Ghana etc..).

Existing players struggle to address these market opportunities:
Existing players struggle to address these market opportunities:

Traditional, legacy banks struggle with high costs and low productivity and often a limited proposition for SMEs.

FinTechs are disrupting the consumer market, but their reach is limited, and focus is narrow. Governance is also typically a challenge.

Fundraising Phase 1: $10Million USD

Establishment and Pre-Launch

  • Subsidiary Setup:
    • Citrine-AssetManagement CEMAC (Cameroon)
    • Citrine-Securities (Cameroon)
    • Citrine-SavingsCredit (Cameroon)
    • Citrine-InvestmentBank (Rwanda)
    • Citrine-SavingsCredit (Rwanda)
    • Citrine-FXBCash (Cameroon)
    • Citrine-Capital (Nigeria)
    • Citrine-InvestmentBank (Malawi)
  • Focus Areas:
    • Commercial Readiness: Infrastructure, licensing, and operational setup.
    • Branding and Communication: Strong market presence and visibility.
    • Procurement: Acquisition of essential equipment and systems.

Fundraising Phase 2: $20Million USD

Launch and Operational Expansion

  • Objective: Raise $20 Million USD to support:
    • Activity Launch: Operational commencement of the six subsidiaries.
    • Operating Capital: Ensure smooth business operations across subsidiaries.
    • Growth Initiatives: Expansion to additional African markets.
  • Launch Date: January 2026 (Headquarters: Kigali, Rwanda)
  • Talent Identification: Ongoing recruitment of top Pan-African talent.
  • Physical Address: Completed for Citrine-Holdings and its operating entities.

Investment Options

Tailored Investment Opportunities

Citrine-Holdings Plc provides flexible investment options designed to align with the diverse needs and goals of our investors. Below is an overview of the two primary investment structures:

Direct Investment

A straightforward equity purchase, providing investors with ownership in Citrine-Holdings Plc.

Convertible Loan

A debt instrument that converts into equity after a predetermined period or milestone.

Our Roadshow Event

We will be hosting a Citrine-Holdings Investor Roadshow in September, where we will present our vision to senior government stakeholders and leading investors to raise capital and secure strategic partnerships for our 2026 launch.

Team Building Event

The name "Citrine" is Inspired by the vibrant colors 

Board Sessions

We are Citrine Financial Group Holdings Plc 

Visit of Gov't Officials

Our vision is to become the leading Pan-African 

Brand Presentation

Our vision is to become the leading Pan-African Financial

Project Presentation

We are Citrine Financial Group Holdings Plc 

Dinner with Investors

Our vision is to become the leading Pan-African 

Our Roadshow Event

We will be hosting a Citrine-Holdings Investor Roadshow in September, where we will present our vision to senior government stakeholders and leading investors to raise capital and secure strategic partnerships for our 2026 launch.

Need help? We're Always Available for You.

Our customer success team would love to hear from you.

How to Invest

By investing as little as $100 USD, you become a stakeholder in one of our high-impact African subsidiaries and drive real, measurable change across the continent.

Join Us This September

We will be hosting a Citrine-Holdings Investor Roadshow in September, where we will present our vision to senior government stakeholders and leading investors to raise capital and secure strategic partnerships for our 2026 launch.

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