Twiva Pay, Africa’s first wallet built specifically for the creator economy. It emerges as a groundbreaking solution designed specifically for the creator economy, streamlining payments, unlocking credit, and enabling sustainable growth for creators, agencies, and brands. With wallet-to-wallet payments, embedded financing, and savings and investment features, Twiva Pay is redefining how agencies, brands, and creators transact, collaborate, and grow.
With the African creator economy booming, payment and financial inclusion remain major hurdles for both creators and agencies. Many brands and influencers in Africa still face major headaches when it comes to successful collaborations. Some of the challenges include:
- High Tax Burden
- Traditional influencer payments in Kenya incur a 16% VAT charge.
- Brands bear the cost, driving up campaign budgets.
- Delayed and Manual Disbursements
- Reconciliations between multiple stakeholders create lengthy payment cycles.
- Creators grapple with cash‑flow uncertainty.
- No Credit History for Creators
- Informal freelance work leaves influencers “invisible” to financial institutions.
- Limited access to credit facilities, insurance, or business financing.
- Administrative Overhead
- Brands and agencies juggle spreadsheets, multiple bank transfers, and manual reporting.
- Scaling campaigns across hundreds of influencers becomes a full-time job.
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Key Features of Twiva Pay
1. Wallet-to-Wallet Payments
- Secure Payment: Twiva Pay offers secure, instant transactions between brands, agencies, and creators, eliminating delays and reducing administrative overhead.
- Reduced Tax Impact: Brands pay only a 5% withholding tax instead of 16% VAT, saving an average of 11% on cumulative GMV.
- Instant Disbursements: Funds transfer directly into the influencer’s Twiva Pay wallet—no more bank delays.
- Transparent Records: Both brands and creators can track each transaction in real time.
2. Embedded Financing for LPOs
- 0% for 30 Days: Brands and agencies enjoy interest-free financing for one month.
- 3% for 60 Days / 5% for 90 Days: Flexible repayment terms that align with campaign cash flows.
- Automated Repayments: Twiva collects repayments upon maturity, reducing manual follow‑up.
3. Creator Credit Building
- Historical Transaction Ledger: Every payment within and outside the Twiva ecosystem builds a creator’s financial footprint.
- Credit Score Unlock: Leverage transaction data to qualify for tailored credit facilities, cards, and insurance.
- Access to Lending: Through integrations with leading financial institutions, creators can secure loans to scale content production or equipment purchases.
4. Savings & Investment Suite
- In-Wallet Savings: Creators and brands can park idle funds in high-yield digital savings accounts.
- Investment Opportunities: Creators can diversify income by investing in vetted funds or products directly from the Twiva Pay app.
5. Insurance & Risk Protection
- Micro-Insurance Products: Exclusive insurance plans for content equipment, health, and income protection.
- Seamless Enrollment: One‑click sign‑up using your Twiva Pay profile and transaction history.
Twiva Pay’s Unique Value Proposition
| Challenge | Twiva Pay Solution |
| Excessive VAT & tax charges | 11% average savings via 5% withholding tax on wallet‑to‑wallet payments. |
| Cash‑flow uncertainty | Instant wallet disbursements and flexible LPO financing terms (0–5%). |
| Lack of financial history | Comprehensive transaction ledger builds creditworthiness for creators. |
| Limited access to credit products | Unlock tailored credit lines, cards, and micro‑insurance through aggregated creator data. |
| Manual admin overhead | One‑stop dashboard automates payouts, reconciliations, and financing workflows for agencies and brands. |
| Idle cash | Integrated savings and investment products let users grow funds within the platform. |
How Twiva Pay Empowers Stakeholders
For Brands & Agencies
- Cost Savings: Twiva Pay offers brands and agencies a significant reduction in tax liabilities and payment processing costs.
- Operational Simplicity: Twiva Pay eliminates spreadsheets and manual payment tracking by simplifying the management of influencers, ensuring accurate and on-time disbursements.
- Scalable Financing: With Twiva Pay’s LPO financing, agencies are able to fund larger campaigns without upfront capital outlay.
For Creators & Influencers
- Reliable Cash Flow: Twiva Pay offers creators reliable, traceable payments for all their work, building a financial foundation for future growth.
- Financial Inclusion: Creators can access credit, insurance, and investment products based on real transaction data.
- Empowerment: The ability to save, invest, and access tailored financial tools, solutions previously unavailable to most creators, will empower them to grow in their craft and financially.
Conclusion: Why Twiva Pay is a Game Changer
Africa’s creator economy demands financial infrastructure built for its unique challenges and Twiva Pay is not just a payment tool, it’s a comprehensive financial ecosystem for Africa’s growing creator economy. By addressing both the operational and financial pain points of agencies and creators, Twiva Pay unlocks new revenue streams, reduces friction, and empowers the next generation of African digital entrepreneurs.