For investors

Centeem is opening
the Algerian fintech market

45 million people, 60% unbanked, 90% smartphone penetration. The Algerian market is waiting for a serious fintech — Centeem is building it with a compliance-first approach and a product designed for 3 audiences.

investors@centeem.com

Market

Algeria in 4 figures

45M

People in Algeria

Largest country in the Maghreb

60%

Unbanked

Low financial penetration

90%

Smartphones (urban)

Infrastructure for digital

Active consumer PSP

Untapped market to win

📈 Why now?

Instruction 06-2025 of the Bank of Algeria created, for the first time, a clear legal framework for fintechs (PSP status). Before that date, no serious fintech could operate legally in Algeria. Now it can. Centeem is one of the first players to position itself — first-mover advantage in a market of 45 million.

Our proposition

4 distinctive strengths

Compliance by design

160M DZD capital, PSP licensing in progress with the BA, bank ring-fencing, compliant AML CTR/STR. We did the regulatory work before scaling.

3-audience approach

Individuals (P2P + payment) + Pro (POS with no hardware) + Tourists (account in 5 min with a passport). 3 markets covered with a single product.

100% local team

Founded and driven by Algerians in Algeria. Not a foreign satellite. An intimate understanding of local realities (CCP, BaridiMob, agents...).

Proven PSP model

PSP status transformed Revolut (£33B), Wise (£10B), N26 (€9B), Cash App ($55B in value). We adapt this playbook to the Algerian context.

Business model

Revenue model

Four revenue streams indexed to actual usage. No subscription, no fixed fees.

1% → 0.3%

Merchant acceptance commission

Tiered sliding scale (QR / contactless / PayLink). Capped at 1,000 DZD per transaction. 100% Centeem.

1% → 0.3%

BaridiMob withdrawal (Personal)

Sliding scale. Capped at 500 DZD. Free for Pro accounts (cost absorbed by acceptance commissions).

2% → 0.5%

Withdrawal via partner agent

Sliding scale. Capped at 700 DZD. Split 0.5% Centeem + 1.5% agent — the agent funds its own acquisition.

1.5% → 0.4%

Cash top-up via agent

Sliding scale. Capped at 500 DZD. 100% paid to the agent (Centeem acquisition cost = 0%).

Our detailed forecast (cumulative revenue, margins, breakeven) is shared under NDA with qualified investors on request.

Roadmap

Our trajectory

Expanded closed beta

Q2 2026Done

Closed testing program run with 200+ invited testers. Product feedback continuously integrated.

Progressive public rollout

Q3 2026In progress

App submitted to app stores (Android closed testing under review, iOS TestFlight active), alongside the PSP license application review.

PSP license confirmed

Q4 2026Expected

Official publication of the PSP license by the Bank of Algeria. Accelerated acquisition: agent network, organic referrals, DZ media.

Series A raise

2027Planned

After reaching 100k active users: growth funding, regional expansion, virtual cards, international transfers.

Maghreb expansion

2028+Vision

Replicating the model in Morocco, Tunisia, Mauritania (compatible regulations).

Let's discuss an investment

Qualified investor, family office, business angel, venture capital fund? Get in touch to receive our full data room under NDA.

Direct email

Reply within 48 business hours