Eight months ago, Fusepay’s whole pitch was simply to get Seychelles’ trade businesses off paper ledgers and WhatsApp receipts and onto digital payments. This week, the company said the otherwise quiet part out loud: payments were never the endgame. Fusepay just launched Fuse360, an AI-native operating system built to let software, not people, run the daily grind of wholesale and distribution businesses.
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What’s Actually New Here
Fuse360 pulls inventory, order processing, invoicing, customer credit, collections and retailer relationships into one platform, with FusePay still handling the money movement underneath. But the bundling is hardly the crux of the matter. It is rather the extra layer on top of it: AI agents doing reconciliation, collections, credit monitoring and reporting automatically, instead of a business owner doing it manually at 11 pm.
The reason this is possible at all comes down to data access. The AI is built into the platform itself rather than bolted onto it from outside, giving it direct visibility into invoices, inventory movement, payment history, and supplier records in one place. No exporting a spreadsheet from one app to feed a chatbot in another. The agent already sees everything it needs to act.
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Major Highlights
- Fusepay launched Fuse360, an AI-native operating system for trade businesses, eight months after debuting its FusePay digital payments platform in Seychelles.
- Fuse360 bundles inventory, order processing, invoicing, customer credit, collections and retailer relationships into one platform; AI agents automate reconciliation, collections, reporting and credit monitoring.
- Because the AI sits inside the platform itself, it has direct access to invoices, inventory movement, payment history and supplier records; no shuttling data between apps.
- Founded by Thiyagarajan and Francesco Rocchi, Fusepay raised $350,000 in pre-seed funding in August 2025.
- Fuse360 launched in Seychelles this month, expands to Mauritius in September, then selected East and Southern African markets later this year.
- It enters a market already served by global ERPs like Odoo and SAP Business One, and African players like Bumpa and Sabi; Fusepay’s bet is specialising for trade businesses rather than building general-purpose software.
- Africa has an estimated 244 million businesses and $1.5 trillion in merchandise trade (2024), with AfCFTA deepening cross-border commercial activity across the continent.
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KINI BIG DEAL
Every fintech that started out taking a cut of transactions is now racing to become the AI layer that runs the business generating those transactions. That’s the real story in Fuse360. The bet is that owning the operational data an AI agent needs to actually be useful is the durable business. Without that data layer, an AI agent is just a chatbot without context. With it, the agent becomes something a business owner can actually hand real work to.
That bet is especially consequential in Africa. The continent’s invisible middle — wholesalers and distributors too large for informal tools but too small for enterprise software — has been underserved by traditional banking and pricey ERP systems for years. With an estimated 244 million businesses and $1.5 trillion in merchandise trade still running largely on paper and instinct, AI agents wired directly into inventory and payments could skip an entire generation of manual digitization, going straight from spreadsheets to autonomous agents handling the reconciliation nobody wanted to do anyway.
It’s also not an isolated bet. The same week Fuse360 launched, Native — a company that describes itself as the operating system for offline trade — acquired a market-intelligence firm specifically to build its own AI data layer across 14 African markets. Two funded companies, on different sides of the continent’s trade economy, converging on nearly identical AI-first language in the same seven days. When that many serious players move at once, it’s usually because they’re all reading the same signal: the door to AI-run trade operations just opened, and nobody wants to be the one still knocking on it next year.
The real race here won’t be won on who has the flashiest model. It’ll be won by whoever owns the data pipe the AI depends on to act. Fusepay just showed its hand on which pipe it’s betting on.
