Transforming Africa’s credit and investment landscape with Tisini and SphereNet

Tisini to Bring African Credit On-Chain with SphereNet

Sphere Labs has entered into a strategic partnership with African fintech startup Tisini to support the development of intelligent credit systems across Africa and enable transparent, tokenized investment pathways for global participants.The partnership was formalised through a Memorandum of Understanding signed in Kampala, Uganda, on the sidelines of the All Africa Pensions Summit at Speke Resort Munyonyo, hosted by the National Social Security Fund and partners. The agreement was signed by Tisini CEO David Ofungi and Sphere Labs Vice President of Global Strategy and Expansion, Mohit Bhalodkar.

Advancing Credit Intelligence for Underserved Markets

Tisini is currently operating within the NSSF Uganda innovation sandbox, where it is developing AI-driven credit intelligence by combining behavioural data with pension contribution histories. This approach is designed to create verified credit profiles for individuals and businesses that have historically been underserved by traditional lending institutions.

Despite significant pension participation across the continent, many individuals remain excluded from formal credit markets. By structuring behavioural and contribution data into verifiable credit intelligence, Tisini aims to expand access to credit while improving transparency and risk assessment for lenders and investors.

Integrating Credit Intelligence with SphereNet

“We’re not just building credit intelligence; we’re opening Africa’s capital markets to transparent participation,” said David Ofungi, CEO of Tisini. “Sphere Labs provides the infrastructure required to support compliant cross-border settlement and tokenisation for global investor access.”

Under the partnership, Tisini’s verified credit intelligence will integrate with SphereNet, Sphere Labs’ Layer-1 blockchain network designed for regulated financial applications. This integration enables eligible African credit assets to be represented on-chain in a transparent and auditable manner, supporting broader participation from institutional and retail investors.

“Tisini represents exactly why Sphere exists,” said Arnold Lee, CEO of Sphere Labs. “They are transforming behavioural data into actionable credit intelligence. Our role is to provide neutral, compliant infrastructure that enables these systems to operate across borders.”

Expanding Across the Continent

Following its initial deployment in Uganda, Tisini plans to expand into Kenya, Zambia, and Ghana in 2026, with the goal of establishing a presence in five African markets by the end of the year.

Tisini’s broader mission is to build an intelligent financial backbone for Africa by combining AI, data, and blockchain to support inclusive credit access and transparent capital markets. Through this partnership, Sphere Labs will provide the underlying infrastructure to support cross-border interoperability and compliant market participation.

Sphere Labs develops infrastructure for regulated financial applications, including cross-border payments and on-chain asset representation. Its technology stack includes SpherePay, a stablecoin-powered settlement platform, and SphereNet, which is designed to support compliant issuance, settlement, and interoperability.

This collaboration represents a step forward in Africa’s digital finance evolution, aligning financial inclusion objectives with modern financial infrastructure to enable sustainable economic participation for individuals, institutions, and investors.

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Attribution:

Source: Adapted from original reporting by The Independent (Uganda).

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