IncluSoft Technologies designs, builds, and operates infrastructure for the economies those systems were never designed for — beginning in Nigeria, across electricity, banking, and last-mile logistics.
Most of the world doesn't lack access to electricity, banking, or credit because the technology to deliver them doesn't exist. It lacks access because the software underneath those systems was written for someone else.
IncluSoft Technologies was founded on a single conviction: that the gap between the financial and energy systems that work and those that don't is, more than anything else, a software problem — and a solvable one.
We design, build, and operate the layer between regulated institutions, market operators, and the people they were always meant to serve. Our work is unglamorous on purpose. Settlement engines. Lien registries. Credit rails. Core banking platforms. Locker networks. The plumbing that lets a household in Lagos pay for tonight's electricity tonight, lets a microfinance bank serve a market that mainstream software was never built for, and lets a parcel arrive at the right person, intact, in the final hundred meters.
We are not a development organization. We are a software company — American by incorporation, locally operated, and built to be commercially durable in the markets we serve.
Shared B2B infrastructure for short-term electricity credit. EASP operates as a lien registry and settlement engine that any regulated creditor can call into — centralizing the rails so that consumer products don't have to rebuild them.
A consumer credit product that lets Nigerian households purchase prepaid electricity tokens on short tenor and settle them when funds arrive. Operated by IncluSoft and Microleverage MFB. The first product to call EASP.
A purpose-built channel that extends ETCA — and adjacent products — through Nigeria's agent banking network. Closing the gap between digital infrastructure and the people who reach customers in person, where most of the market still lives.
Most core banking software was designed for large urban banks in mature economies, then bolted onto smaller banks elsewhere. Microleverage Core takes the opposite approach: a platform built from the ground up around the realities of microfinance banking in Nigeria — agent-banking workflows, naira volatility, the social structures of trust at the base of the economy, mobile-first behaviors, and the regulatory environment of a CBN-licensed MFB. Software shaped by its market, not retrofitted onto it.
Africa's e-commerce growth runs into the same wall every time: the final hundred meters. LOCKAHS is a smart locker network engineered for the realities of urban delivery in West Africa — power instability, address ambiguity, security concerns, and the cash-and-courier economy that still dominates fulfillment. IncluSoft is building the platform technology behind the LOCKAHS rollout: locker control, identity verification, courier and recipient flows, and integrated payment.
We build for environments where rules can change overnight, not just the rules in force today. Pricing, fees, and policy levers live in configuration, not code — so a regulator's letter on Friday doesn't require a deployment on Sunday.
We separate the rails from the rides. EASP is shared infrastructure: ETCA is one product on top of it, and there will be others — ours and other operators'. Building this way is slower at the start and compounds for years afterward.
Two entities, one standard. The US holding company governs intellectual property and corporate posture. The Nigerian subsidiary executes on the ground. Both run to the same code of conduct — the one that lets American capital and African operations sit at the same table without flinching.
Money infrastructure should be predictable. We optimize for uptime, auditability, and clean audit trails over novelty. The most interesting thing we want our software to do is the same thing, every time, for years.
The American parent. Holds the intellectual property of all IncluSoft software and platforms, governs corporate standards and partner relationships, and serves as the contracting entity for US-side investors, vendors, and enterprise partners.
The operating arm. Builds, deploys, and runs the products in-market, working alongside Microleverage International MFB and within the regulatory perimeters of NERC, CBN, and the relevant Nigerian electricity distribution companies.