A digital solution designed with you in mind.

The African diaspora cannot easily access and control their money back in their home countries. We're here to fix that.

Comprehensive Financial Management

Seamless Cross-Border Payments

Real-Time Financial Tracking

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Our Story:
Understanding The Challenge

For most Africans living abroad, controlling money back home can be a daunting task.

Banking and peer-to-peer payment systems are primarily designed for locals, leaving the African diaspora in a challenging position despite their strong ties to their homeland. We, the co-founders of Tréo, understand this struggle all too well.

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The Motivation
Behind Tréo

Growing up in Cameroon and later living in various African countries before moving to the United States, our team has experienced firsthand the difficulties of managing finances across borders.

Over our 15-year partnership, we've faced the frustration of making transactions in Cameroon, often having to rely on friends, family, or business partners who are often not reliable.

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black kids in african village

Building Tréo For The
African Community

With a combined 30+ years of software engineering experience, building scalable products for Fortune 500 companies, we decided to take matters into our own hands. Our team leveraged our expertise and deep understanding of the unique challenges faced by the African diaspora to create Tréo.

Questions You Might Have

What is Tréo?

Tréo is a digital wallet designed specifically for the African diaspora, allowing users to send, receive, and manage money in their home countries, even when abroad.

Is Tréo secure?

Yes, Tréo operates under strict security protocols to ensure that your transactions are safe, confidential, and reliable, whether you are sending money or managing finances.

What currencies are supported by Tréo?

Tréo supports a variety of local currencies in Sub-Saharan Africa, with more being added as the platform expands.

Can Tréo be used for business transactions?

Yes, Tréo is ideal for business owners in the diaspora who need reliable access and control over their funds in their home country, ensuring seamless transactions.

What happens if I lose access to my Tréo account?

If you lose access to your account, Tréo has a secure recovery process in place to help you regain access. Simply follow the account recovery steps within the app.

How do I manage my money in my home country using Tréo?

Tréo allows you to control your finances back home by giving you direct access to your mobile money wallet, allowing you to view balances, send and receive payments, and manage your funds without needing intermediaries.

Do I need to be physically present in my home country to use Tréo?

No, Tréo is designed for the diaspora, meaning you can access and manage your money from anywhere in the world.

Can I use Tréo to send money to multiple mobile money wallets?

Yes, Tréo supports cross-border remittances and allows users to send and receive payments from various mobile money wallets, even across different countries.

How does Tréo solve the problem of accessing money back home?

Tréo enables users to seamlessly send and receive money from supported mobile money wallets in Sub-Saharan Africa, eliminating the need for relying on others or using multiple remittance apps.

Spread The Word

Great things are meant to be shared—especially when it comes to innovative, secure, and user-friendly technology like the Tréo digital wallet.

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Meet The Team

Behind Tréo is a passionate and diverse group of professionals dedicated to empowering the African diaspora through innovative financial solutions. Our team brings together expertise in fintech, technology, and community engagement, working tirelessly to build a platform that helps you take control of your finances, no matter where you are in the world. Get to know the people making Tréo a reality!

Karl Kamdem

Karl is the CEO of Tréo. He brings over a decade of experience building Machine Learning products and infrastructure at major companies like Etsy, the leading online marketplace and Lazard, the world’s oldest boutique investment bank.

As CEO of Tréo, Karl uses his analytical and data-driven mindset to drive the company's vision. His extensive background in data science and machine learning helps shape innovative solutions, ensuring that Tréo delivers on its promise to give Africans in the diaspora full control of their finances at home and abroad.

Karl earned a Master of Science degree in Data Science from Columbia University and a Bachelor of Science degree in Computer Science from Kennesaw State University.

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Paterson Gueye Nya

Paterson holds a BSc in Computer Science and an Executive MBA, both from Kennesaw State University. As the Chief Operating Officer of Tréo, he brings a wealth of experience in managing large teams at Fortune 500 companies like Home Depot, where he played a key role in delivering exceptional products.

At Tréo, Paterson leverages his extensive leadership and operational expertise to ensure the smooth and efficient functioning of the company. His commitment to excellence and his ability to build exceptional teams are instrumental in driving Tréo’s mission to provide top-notch financial services to Africans in the diaspora.

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Phelan Photo

Phelan Nkfum

Phelan holds a BSc in Computer Science from Kennesaw State University and an MSc in Telecommunications from Boston University. With over a decade of software engineering experience, he has crafted exceptional customer-facing products for some of the world's largest companies like Spotify.

As the Chief Product Officer of Tréo, Phelan leverages his extensive product and engineering expertise to address the unique financial needs of Africans in the diaspora. His passion for technology and commitment to solving real-world problems drives the innovative solutions that Tréo offers to its users.

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Discover What Sets Us Apart

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treo logo

Neobanks:
LemiFi

Banks:
e.g. UBA Bank

Cross border payments to Africa

via partnerships with Remittance companies

Cross border payments from Africa

via slow SWIFT network

Send mobile money payments

Send mobile money payments

Receive mobile money payments

Physical or Virtual Cards

Hold and manage funds

Features tailored to business owners

Support for community fundraisers

Reliable access outside of home country

What We Stand For

At Tréo, our core values define who we are and guide everything we do. We value integrity, innovation, and accessibility, creating solutions that are not only cutting-edge but also inclusive and user-friendly.

Empowerment
Trustworthiness
Reliability
Integrity
Innovation
Community
Cultural Respect