Company Facts

Who We Are

KeyBS Pay is the trading name of KeyBS Solution Ghana Ltd, a treasury and payments platform for eligible African businesses, headquartered in Accra, Ghana, with global operations supported by KeyBS Finance LLC in the United States. KeyBS Pay is not a bank — payments, FX, collections and supplier verification execute through regulated infrastructure partners. Our official website is https://keybs.io.

Company Registrations

KeyBS Solution Ghana Ltd (trading as KeyBS Pay)
Registration Number: CS312592017
Jurisdiction: Accra, Ghana
Registered Office: Presidential Floor, Independence Avenue, Mövenpick Ambassador Hotel, Accra, Ghana

KeyBS Finance LLC
Registration Number: C1657068
Jurisdiction: Montana, United States
Registered Address: 127 N Higgins Ave Ste 307D #3033, Missoula, Montana 59802, United States
U.S. FinCEN-Registered MSB · No. 31000337575912

U.S. Money Services Business Registration

KeyBS Finance LLC is registered with FinCEN as a U.S. Money Services Business (MSB), Registration No. 31000337575912. The registration lists money transmission, dealing in foreign exchange and other MSB activity.

Registered Activities: Money transmission · Dealing in foreign exchange · Other MSB activity

Regulator: Financial Crimes Enforcement Network (FinCEN), U.S. Department of the Treasury

Verify FinCEN MSB Registration →
Search: KeyBS Finance LLC · Registration No.: 31000337575912

Regulatory Status & Compliance

KeyBS Solution Ghana Ltd and KeyBS Finance LLC are technology services providers and are not banks. Regulated activities — including money transmission, foreign exchange, payment processing and safeguarding of customer funds — are performed by duly licensed financial institution partners in each jurisdiction where the service is offered.

KeyBS Finance LLC is registered with FinCEN as a U.S. Money Services Business (MSB), Registration No. 31000337575912. The registration lists money transmission, dealing in foreign exchange and other MSB activity.

Compliance posture: customer and supplier onboarding runs through KYC/KYB and AML screening performed with our regulated partners; beneficiaries and suppliers are screened against international sanctions lists; supplier due diligence is supported by registry-backed verification and TradeScore™ risk scoring. See the Compliance & Financial Crime Framework for the full overview. A compliance pack is available on request via info@keybs.io.

Services

Pay: Global cross-border payments · Pay to China (CNY/USD to Chinese suppliers) · Supplier payments · Business payouts

Collect: Global Collections · E-invoicing · Payment links · Collection accounts

Manage: FX Exchange (real-time fx conversion) · Multi-currency global business accounts · Treasury visibility · Transaction tracking

Verify: Verify AI — registry-backed business verification and global supplier due diligence · Beneficiary verification · TradeScore™ supplier risk scoring (0–100)

Access: WhatsApp Banking · Telegram bot · API & Enterprise (private beta) · Trade escrow · Stablecoin (USDT) settlement options · AI supplier reports

Coverage, Corridors & Currencies

Payout reach: Up to 190+ countries through partner infrastructure, across 48 partner payment rails (local + international) and 859+ documented payment corridors.

Currencies: 80+ currencies supported through partner rails. Core supported currencies include USD, GHS, NGN, KES, ZAR, GBP, EUR, AED, CNY and USDT. Collections are supported in 9+ major collection currencies.

Focus corridors: our specialty is African businesses (Ghana, Nigeria, Kenya, South Africa and more) paying suppliers globally — especially the Africa→China corridor (CNY/USD supplier payments), alongside routes to the UK, US, UAE, India, Turkey and Vietnam. Corridor guides are published at keybs.io/services/global-payouts.

Coverage, pricing and settlement times depend on currency, route, business profile, compliance review and partner availability.

Pricing & Settlement Times

Payment fee: From 1.5%, route-dependent. FX: institutional fx pricing with real-time fx conversion. Pricing is corridor-specific or quote-based — plans are published at keybs.io/subscribe.

Settlement: route-dependent — timing varies by currency pair, destination, cut-off times and compliance checks. The exact expected settlement window is shown on every corridor-specific quote before payment is made. Every public figure on this site is indicative until a corridor-specific quote is approved.

Platform, API & Access Channels

API & Enterprise: programmatic payments, collections and verification are available in private beta for qualifying businesses — contact info@keybs.io for enterprise onboarding.

Messaging channels: WhatsApp Banking and a Telegram bot provide conversational access to payments, verification and account information.

Free resources: Knowledge Center (keybs.io/academy), 40+ business calculators (keybs.io/calculator), provider comparison engine (keybs.io/compare), country payment profiles and currency guides.

Key Platform Figures

Coverage, pricing and settlement times depend on currency, route, business profile, compliance review and partner availability.

Corporate Timeline

Verifiable milestones only — dates are shown solely where already published; undated milestones are listed without a year until confirmed.

2024 — KeyBS Pay founded. Company founded in Accra, Ghana, to build cross-border payment and supplier-verification infrastructure for African businesses.

Corporate registrations. KeyBS Solution Ghana Ltd registered in Ghana (Reg. CS312592017); KeyBS Finance LLC registered in Montana, United States (Reg. C1657068).

FinCEN MSB registration. KeyBS Finance LLC registered with FinCEN as a U.S. Money Services Business (MSB), Registration No. 31000337575912 — money transmission, dealing in foreign exchange and other MSB activity.

Global Payouts platform. Partner-rail payout coverage documented across corridors, currencies and rails, including the Africa→China corridor.

Verify AI & TradeScore™. Registry-backed supplier verification and 0–100 supplier trust scoring launched as the Verify-Then-Pay layer of the platform.

Trade escrow & stablecoin settlement options. Escrow-ready payment workflows and USDT settlement options added for eligible trades.

Virtual cards. Virtual Visa and Mastercard card issuing introduced for business spend and subscriptions.

Trade Academy & Knowledge Center. Free structured learning center covering cross-border payments, FX, verification and treasury.

Official Domains & Profiles

Official website: https://keybs.io — the only official KeyBS Pay website. Report impersonation to info@keybs.io.

Official profiles:

• https://www.linkedin.com/company/keybspay
• https://x.com/Keybspay
• https://www.instagram.com/keybspayglobal/
• https://web.facebook.com/keybspay
• https://www.youtube.com/@KeyBSPay
• https://www.tiktok.com/@keybspay
• https://t.me/keybspay_bot
• https://wa.me/18623652441
• https://medium.com/@keybspay
• https://keybspay.substack.com

Leadership

KeyBS Pay was founded by Patrick Mensah, Founder, CEO & Chairman, who leads a six-entity group including KeyBS Finance, KeyBS Trust, WallStreet Investment Dubai, Prosperon and Seeds of Greatness. Meet the full executive team on our Leadership page.

Contact & Verification

Email: info@keybs.io · Web: keybs.io/contact

Official domains: https://keybs.io is our only official website. Anything else claiming to be KeyBS Pay is not official — report impersonation to info@keybs.io.

Frequently Asked Questions

Is KeyBS Pay a UAE company?
No. KeyBS Pay is the trading name of KeyBS Solution Ghana Ltd, headquartered in Accra, Ghana, with a US entity (KeyBS Finance LLC) registered in Montana, United States.

Is KeyBS Pay a bank?
No. KeyBS Pay is a technology platform. Regulated financial services — money transmission, FX, payment processing and safeguarding of funds — are delivered through licensed financial institution partners.

Is KeyBS Finance LLC registered with FinCEN?
Yes. KeyBS Finance LLC is registered with FinCEN as a U.S. Money Services Business (MSB), Registration No. 31000337575912. The registration lists money transmission, dealing in foreign exchange and other MSB activity.

Is KeyBS Pay licensed?
KeyBS Pay operates through licensed financial institution partners. KeyBS Finance LLC is registered with FinCEN as a U.S. Money Services Business (MSB), Registration No. 31000337575912.

What does KeyBS Pay charge for cross-border payments?
From 1.5%, route-dependent. Every public figure is indicative until a corridor-specific quote is approved. Plans and pricing are published at keybs.io/subscribe.

How long do KeyBS Pay transfers take?
Settlement is route-dependent: it varies by currency pair, destination, cut-off times and compliance checks. The exact expected timeline is shown on every corridor-specific quote before you pay.

Which countries and currencies does KeyBS Pay support?
Payout reach is up to 190+ countries through partner infrastructure, with 80+ currencies supported through partner rails. Core supported currencies include USD, GHS, NGN, KES, ZAR, GBP, EUR, AED, CNY and USDT. Coverage is route-dependent — not every country or currency is supported on every corridor.

Does KeyBS Pay have an API?
Yes — API & Enterprise access is available in private beta for qualifying businesses, alongside WhatsApp Banking and a Telegram bot. Contact info@keybs.io for enterprise onboarding.

How do I verify these registrations?
Contact info@keybs.io for our compliance pack, check the public registers of the Ghana Office of the Registrar of Companies (CS312592017) and the Montana Secretary of State (C1657068), or verify the FinCEN MSB registration of KeyBS Finance LLC (No. 31000337575912) via the official FinCEN MSB Registrant Search.