TRIBE is an AI-powered financial and commerce platform that helps African individuals and small businesses manage money, sales, customers, and everyday business activities through simple conversations on WhatsApp and the web.
TRIBE did not begin with an idea for an AI company. It began with a problem I kept seeing everywhere I went.
While studying at the Catholic University of Cameroon in Bamenda, the Anglophone crisis disrupted school for a period, and I decided to take a temporary job as an MTN sales agent. The work took me through different communities, from Bamenda and Santa to the predominantly French-speaking city of Bafoussam.
That experience gave me my first real look at how many small businesses in Cameroon survive every day.
I met hardworking business owners who opened their shops each morning without knowing how much they would sell. Most had no real marketing systems, customer databases, or tools for consistently finding new buyers. Their businesses depended heavily on people who already knew them.
I began noticing a pattern: for many of them, the majority of sales came from repeat customers, while only a smaller percentage came from completely new buyers. On days when their regular customers did not show up and no new customer walked in, sales could simply be poor.
There was very little the business owner could do about it.
That stayed with me.
After university, I moved deeper into freelancing, branding, design, and digital work. Over the years, I have worked with close to 200+ brands and small businesses across different industries. I expected the problems I had seen earlier to change as I worked with more businesses.
Instead, I kept seeing different versions of the same thing.
A business could have a great product but still struggle to consistently find customers. Someone could have hundreds of previous buyers but no system for following up with them. Sales, inventory, and debts were often tracked in notebooks, WhatsApp chats, or from memory.
The businesses were working hard. What they lacked was leverage.
That pushed me and a small team I put together to begin experimenting with commerce ourselves. We first worked around digital products and later explored how the same system could support physical products. One of our most important experiments was an affiliate model where ordinary people could help businesses sell products and earn commissions without owning inventory themselves.
At the peak of that test, we onboarded approximately 100 affiliates.
The experiment showed us that businesses could reach customers beyond their usual circles while creating earning opportunities for other people. But it also showed me that solving sales alone was only one part of a much larger problem.
I later worked with an e-commerce company based in Germany that imported African products and sold them in Europe. That experience gave me a different view of commerce: how products could be organized, marketed, sold, and managed within a structured digital system.
The contrast was difficult to ignore.
On one side, I had seen what organized digital commerce could look like. On the other, I was still working with businesses back home managing customers, sales, inventory, payments, and debts through several disconnected tools or no tools at all.
For years, I kept returning to one question: how do you give a small African business the kind of leverage that normally requires several software tools, more employees, and more money?
Then artificial intelligence changed what was possible.
As AI became better at understanding natural conversation and WhatsApp continued becoming a major part of everyday communication and commerce in Africa, I began to see how the different pieces could finally come together.
Instead of forcing a business owner to learn complicated accounting, inventory, or CRM software, what if the technology could simply understand them?
A shop owner could say, “I sold three shirts today,” and the system records the sale and updates inventory. They could ask which products are running low, who still owes them money, how much they sold this week, or ask the system to follow up with previous customers.
An individual could similarly track transactions, manage spending, make payments, and access financial services through simple conversation.
That thinking became TRIBE.
For the past three years, I have been building the platform largely from scratch, financing most of the development from my own pocket and working with a small team to bring the different pieces together.
Today, the core product is largely built and undergoing testing. We have developed our web platform, conversational AI system, and business-management infrastructure. Our next major step is completing the payment and financial API integrations required for a wider public launch.
TRIBE is the accumulation of everything I have learned along the way: from working in shops as an MTN sales agent to serving hundreds of small businesses, experimenting with affiliate commerce, working in international e-commerce, and eventually seeing AI make possible things that would have been extremely difficult only a few years ago.
We are not trying to build another complicated fintech app or another e-commerce website. We are building an intelligent layer between people, their money, and their businesses, designed around how Africans already communicate and work.
TRIBE is starting in Cameroon because that is where I first experienced the problem.
But the problem is much bigger than Cameroon, and so is the vision.
Achievements
We have built the majority of TRIBE's core technology while largely bootstrapping the company.
Our web platform and conversational AI infrastructure are already functional and available for testing. Users can interact with TRIBE through conversational interfaces rather than relying only on traditional menus and dashboards.
We have developed business tools covering areas such as inventory, sales records, debts, orders, customer management, receipts, reporting, and affiliate management, while also building personal financial capabilities for individual users.
Before the current version of TRIBE, we tested an affiliate-commerce model with approximately 100 affiliates—which we still have access to. That experiment helped validate our belief that distributed commerce can create additional income opportunities for young persons while helping businesses reach customers beyond their existing networks.
Perhaps our biggest achievement has been reaching this stage with a small Cameroonian team and limited external capital. What began as an observation about the difficulties faced by ordinary businesses has developed into a working technology platform with the potential to serve users well beyond Cameroon.
Business Impact
TRIBE is still preparing for its wider commercial launch, so I prefer not to exaggerate the impact we have already achieved. However, creating economic opportunity has been part of the model from the beginning.
Our earlier affiliate pilot involved approximately 100 people and explored a model where individuals could earn commissions by helping physical businesses around them sell their products without needing to own inventory themselves.
For small businesses, TRIBE is being designed to reduce the technological barrier to using tools such as inventory management, sales tracking, customer follow-up, and financial reporting. Many small businesses cannot afford sophisticated software or do not have the time to learn complicated systems. By putting these capabilities inside familiar conversational interfaces, we hope to make them accessible to much smaller operators.
As we grow, we expect the impact to extend to employment within our team, additional income for affiliates, stronger sales for local businesses, and improved financial management for ordinary users.
Future Goals
Our immediate ambition is to successfully launch TRIBE in Cameroon and prove that conversational technology can become a practical interface for finance and commerce.
Over the next stage, we want to onboard thousands of businesses and consumers, complete our payment infrastructure, strengthen our AI capabilities, and build partnerships with financial institutions, mobile money operators, merchants, and other ecosystem players.
After establishing the model in Cameroon, our next major market is Nigeria, followed by expansion into other African markets.
Long term, we want TRIBE to become much more than another fintech application. We envision an intelligent commerce and financial ecosystem where an African user can manage their money, operate a business, sell products, receive payments, access financial services, and complete everyday transactions simply by having a conversation.
Our ambition is to build a globally significant African technology company from Cameroon.
Investment or Sponsorship Use
Investment or sponsorship would primarily be used to move TRIBE from product development into commercial launch and early growth.
The first priority is completing payment and financial API integrations, including the infrastructure required for reliable collections, payouts, and other financial services.
Part of the funding would also support company registration, legal and compliance requirements, security, infrastructure, and the operational requirements associated with deploying a financial technology platform.
We would allocate resources toward improving and scaling our AI and WhatsApp infrastructure, cloud services, testing, and product reliability as the number of users increases.
A portion would be used for our first major customer and merchant acquisition campaigns in Cameroon, including business onboarding, community activation, partnerships, and the initial expansion of our affiliate network.
The objective of the funding is not to begin building an idea. Much of the core product already exists. The objective is to complete the infrastructure preventing us from launching properly, bring the product to market, and generate the traction required for TRIBE's next stage of growth.