We are selectively speaking with investors who believe in what Ethiopia's capital markets can become. Complete the form and we will respond within 48 hours with the full investor package.
Seed stage — pre-revenue
Ethiopia-incorporated share company
Diaspora investors in North America welcome
Full materials shared after initial contact
Express investment interest
We respond to every enquiry within 48 hours with the full Santim investor package.
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Thank you. A member of the Santim team will be in touch within 48 hours with the full investor package.
Reach us directly at investor@santimwealth.com
The opportunity
Why investors are paying attention.
01
Zero competition — uncontested category
No licensed retail wealth management platform exists in Ethiopia. Santim is not competing for market share. It is creating the market category. The first trusted brand in a new financial services category is extremely difficult to displace.
02
14% T-bill yield — structural NIM advantage
Ethiopian government T-bills yield approximately 14% annually — 3.5 times Canada's equivalent. Santim generates net interest income from idle client cash that is simply unavailable to any comparable platform anywhere in the world.
03
Infrastructure already built — 54.84M on Telebirr
The payment rail that takes 3–5 years to build in most frontier markets is already in 54 million hands. The ESX is operational. ECMA has a sandbox pathway. Santim connects to infrastructure that already exists.
Investor enquiries
investor@santimwealth.com
We respond within 48 hours to all qualified enquiries
Ethiopian nationals, residents, and diaspora investors in North America and internationally. The company is Ethiopia-incorporated. Diaspora investors in the US and Canada can participate without requiring a local holding company structure.
Qualified investors receive access to a 16-slide pitch deck, 18-section business plan, 14-page investment thesis, five-year financial model, ECMA regulatory roadmap, and founding team full bios. All materials are shared within 48 hours of initial contact.
We are targeting a beta launch to invited users in Addis Ababa approximately 6 months after ECMA sandbox approval, and a public launch following receipt of the full ECMA portfolio manager license. We are filing the ECMA sandbox application in Q2 2026.
Santim requires EIC registration (Ethiopia-incorporated S.C., qualifies for a 5-year income tax holiday), ECMA portfolio manager license via sandbox pathway, NBE mobile financial services notification for Telebirr/CBE Birr integration, and ECMA securities dealer license for Phase 2 trading.
The primary exit target is an ESX equity listing in Year 5–6 — Santim listing on the exchange it was built to serve. Secondary options include strategic acquisition by a pan-African fintech or a regional bank group seeking Ethiopian market entry. Full exit analysis is in the investor materials.
Full terms and minimums are shared with investors after initial contact. Please complete the interest form above and we will share all details within 48 hours.