Powering Infrastucture For
Discos
PowerGrid
Factories
Aggregators
UtilityHub
Infrastructure, Not Just An App
We don't face the user. We plug directly into the utility ecosystem to create invisible, secure credit lines
Meter-Anchored
Credit is tied to the physical meter, notthe person. This eliminates identify fraudand allows for instant automatedenforcement
AI Scoring Engine
Our proprietary engine analyzesconsumption behavior to score metersinstantly. No KYC documents or credithistory required
Guaranteed Repayment
Integration with DisCo obligationregistries ensures 100% repayment fromthe next vending token purchase
Intelligent Flow.
How Monsera works.
01
Evaluation
User attempts to borrow electricity via aggregator platform. Monsera evaluates meter behavioral profile.
02
Instant Offer
Eligible meters receive instant credit offer (including processing fees) inside partner app. Monsera API/SDK vends token immediately.
03
Auto-Recovery
Disco flags the meter with an outstanding obligation. Next recharge anywhere auto-deducts repayment (No evasion or User goodwill required).
Designed for the Ecosystem.
Monsera isn't a competitor; we are the layer that connects utilities, finance, and customers.
Utility Companies (DisCos)
Ensure continuous power for customers while unlocking new prepaid revenue through automated credit recovery.
Banks & DFIs
Channel capital into high-impact utility credit flows with built-in enforcement and guaranteed repayment.
Vending Platforms
Boost transaction volume, reduce churn, and offer credit without carrying the risk — all through one embedded API.
OUR MISSION
Bridging the Gap Between Energy & Finance.
Monsera was founded on a simple belief: access to electricity shouldn't be a luxury, and credit shouldn't be a gamble.
For too long, utility companies have struggled with revenue assurance while customers faced power cuts due to liquidity shocks. Traditional banks couldn't help because the data was fragmented and the risk was opaque.
We built the bridge. By leveraging data directly from the grid and embedding credit logic into the vending process, we unlock value for utilities and dignity for consumers. We are the quiet, reliable partner powering the next generation of utility services.
Partner Driven
We don't compete with our clients, we empower them.
Security First
Bank-grade encryption and privacy by design.
Built for Inclusion
Empowering millions of underbanked households with invisible, instant credit lines.
Trusted at Scale.
Our infrastructure handles millions of obligations with precision.
2M+
METERS CONNECTED
99.9%
SYSTEM UPTIME
<50ms
SCORING LATENCY
0%
IDENTITY FRAUD
Trusted by Industry Leaders
Partnering to modernize utility infrastructure across the continent.
"Monsera's infrastructure allowed us to launch a BNPL product for our 500k customers in just 3 weeks. The repayment rates are phenomenal."
Chief Commercial Officer
Major Distribution Company
"Finally, a credit model that understands utility risk. Monsera's scoring engine is accurate and the automated recovery is a game changer for our risk committee."
Head of Digital Lending
Pan-African Bank
"Seamless integration. We plugged Monsera into our vending platform and saw transaction volume increase by 15% immediately."
Chief Technology Officer
Utility Aggregator
"Monsera's infrastructure allowed us to launch a BNPL product for our 500k customers in just 3 weeks. The repayment rates are phenomenal."
Chief Commercial Officer
Major Distribution Company
"Finally, a credit model that understands utility risk. Monsera's scoring engine is accurate and the automated recovery is a game changer for our risk committee."
Head of Digital Lending
Pan-African Bank
"Seamless integration. We plugged Monsera into our vending platform and saw transaction volume increase by 15% immediately."
Chief Technology Officer
Utility Aggregator
