• PAL operates as a Côte d’Ivoire-based fintech founded in 2021 that enables multi-currency payments and transfers across African countries.

• The company provides instant transfers to mobile wallets, bank accounts and merchant wallets through a centralized multi-currency account.

• PAL offers online foreign exchange services and unsecured short-term liquidity support to businesses and independent workers.

Dady Emmanuel Ulrich Ismael is a Beninese-Ghanaian serial technology entrepreneur. He co-founded and leads PAL as chief executive officer. The startup operates from Côte d’Ivoire and facilitates money transfers and payments for businesses and independent workers.

PAL launched in 2021 as a fintech platform targeting African companies, money transfer operators and payment providers. The company enables clients to send, receive and convert funds across multiple African countries. The solution also serves freelancers and mobile money agents who require rapid liquidity for daily operations.

PAL provides users with a multi-currency account and wallet that allows them to hold several African currencies in a single interface. Users can send funds instantly from this wallet to mobile money accounts, bank accounts or merchant wallets. The PAL account functions as a central hub where clients receive, store, convert and redistribute funds without relying exclusively on traditional banking channels.

In addition, the platform offers an online foreign exchange service that it describes as fast and competitively priced. The service facilitates currency exchanges between African currencies and supports cross-border trade flows.

When clients face cash flow constraints, PAL provides immediate funding without requiring collateral. The company positions this service as a tool to ensure business continuity and operational stability.

Beyond PAL, Dady Emmanuel Ulrich Ismael serves as co-chief executive officer of Noworri, a fintech solution that connects buyers and sellers of cryptocurrencies.

He founded his first company, Bourseafrique, in 2016 and led it until 2019. The platform sought to democratize investment and extend access to individuals without bank accounts.

He earned a bachelor’s degree in accounting and business management from University of Abomey-Calavi in 2014. He completed an internship as an accounting assistant at School of African Heritage in 2016.

This article was initially published in French by Melchior Koba

Adapted in English by Ange J.A de Berry Quenum