Connecting banks and financial institutions to the Diaspora

Offer bespoke financial services such as remittance, investment, bill payment, merchandise financing, cash advance, and mortgages to the diaspora

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Kaoshi TM trusted by:
Product built for banks
Remittance & Cross border money transfer

Offer the diaspora and your customer cheap and convenient cross border money transfer

  • Competitive commissions and fees
  • Easy to use
  • Bank level security
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Core products from Kaoshi TM
Merchandise Financing

Offer financing options to the diaspora for the purchase of merchandise (cars, refrigerators, generators, inverters, phones, etc) for their loved ones back home.

Bill Payment

Offer diaspora bill payment services for utility bills like internet, satellite TV subscription, Electricity bills, airtime, etc.


Offer mortgage to the diaspora to easily acquire and invest in real estate properties in their home country.


Offer diaspora opportunity to invest in high yield investment instruments in their home countries economy - treasury bills and fixed income deposits. Easily remit return on investment back to diaspora in their foreign currency.

Loans/Credit Cards

Offer cash advance and credit cards to the diaspora to attend to their financial needs in their home country. Offer rewards and cash back for credit card use in home country


Offer insurance to the diaspora for their properties in their home country. Offer health insurance packages to diaspora for their loved ones back home.

Any questions?
Who we are? +

kaoshi TM creates financial technologies (Software and APIs) that banks and financial institutions license and operate to enable them to provide financial services to the diaspora. Our company is on a mission to revolutionize diaspora banking, bringing state of the art innovation to the diaspora banking industry.

What kind of institutions can license your technology? +

Kaoshi’s technology is licensed by regulated banks and financial institutions that can provide financial services to the diaspora. These include retail and commercial banks as well as other financial services like lending and bill payment service providers. Only regulated and licensed financial service providers can license and operate our technology.

Do you serve as an intermediary between the banks/financial service providers and the diaspora? +

No, Kaoshi TM is not an intermediary. Our licensed technology allows banks and financial services to directly provide financial services to the diaspora without the need for any overseas partnership or middlemen which cut into revenue stream.

How do banks and financial services directly market and sell their product to the diaspora? Where is the point of sale? +

Banks and financial services license our technology enabling them to directly market and sell their financial products to the diaspora via our platform, Kaoshi TMNetwork. Kaoshi TMNetwork is a personal finance platform for the diaspora that aggregates pertinent financial services which the diaspora (especially immigrants) need. Through this platform, each bank can directly market and sell its financial products and services to the diaspora. Payment for service delivery are also conducted and facilitated via the platform.

How secure is your technology and platform? +

Security is at the core of Kaoshi’s technology. Kaoshi TM regularly undergoes both internal and external network penetration tests, and third-party code reviews. Kaoshi TM also maintains a SOC 2 Type II report via independent auditors who test the effectiveness of our Data Security program and infrastructure. If you have any questions about our security policy, please email us at

Get a free demo of Kaoshi TM

Come see for yourself how Kaoshi TM empowers your bank with state-of-the-art financial technologies that enables you provide bespoke financial services to your bank customers and the diaspora

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