# Fincra

> Collect payments anywhere, anytime

Fincra helps businesses collect payments and make payouts globally using APIs, virtual accounts, and payment processing infrastructure.

Fincra helps businesses send and receive money across Africa and globally through payment infrastructure solutions. With it, users can collect payments via cards and bank transfers, create virtual accounts in multiple currencies, make cross-border payouts, and access payment APIs. Fincra serves fintechs, global businesses, and platforms operating across Africa.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2019-01-01
- Profile: https://thegrid.id/profiles/fincra

## Products

- [Multicurrency Accounts](https://thegrid.id/profiles/fincra): Multicurrency Accounts enable businesses to create and manage USD and EUR accounts programmatically for international payment collection. The system provides instant account issuance after KYC completion with full banking details and dashboard analytics. In addition, the service bridges crypto-to-fiat by allowing stablecoins such as USDT and USDC to be converted into these multicurrency accounts, enabling seamless settlement between digital assets and traditional banking rails. (Wallet, Live, Main Product)
- [Fincra APIs](https://thegrid.id/profiles/fincra): APIs provide developers with REST-based endpoints for integrating payment processing, virtual account creation, currency conversion, and payout functionality. The system includes authentication, webhooks, rate limiting, and SDKs for multiple programming languages. (Payments Infrastructure & Orchestration, Live)

## Links

- [Main](https://www.fincra.com)
- [Documentation](https://docs.fincra.com)
- [Blog](https://blog.fincra.com)
- [Terms of Service](https://fincra.com/terms-of-use)
- [Privacy policy](https://fincra.com/privacy-policy-2)
- [Twitter / X](https://x.com/FincraHQ)
- [LinkedIn](https://linkedin.com/company/fincrahq)

## Legal

This data is provided under two licensing models.

Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
- a project's presence in The Grid's data does not imply endorsement.


- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP