| Timeline | Milestone | Expected Impact | |----------|-----------|-----------------| | | Launch Lujopaisa Pay‑Later (BNPL for merchants) | Expand merchant financing; increase transaction volume by ~12 % | | Q1 2027 | Integrate Blockchain‑based Settlement for cross‑border remittances | Reduce settlement time from 48 h to <5 min, cut costs | | Q3 2027 | Open Lujopaisa API Marketplace for third‑party developers | Stimulate ecosystem growth; new revenue streams | | 2028 | IPO on the Nairobi Securities Exchange (target valuation US$ 1.2 bn) | Provide liquidity for early investors, raise capital for pan‑African expansion |
