Messaging-Native B2B Infrastructure

Business at the speed of speech.

Maridian turns a voice note into an invoice and a payment link, instantly. No app to download. No behavior to change. Save the contact. Forward the voice note. Done.

7B
Daily voice notes on WhatsApp
91%
Mobile money penetration (Kenya)
60%+
GDP from informal economy (SSA)
10s
Voice note to invoice
How It Works

A contact you save. Not an app you download.

Maridian lives inside the messaging thread your business already uses. There is nothing to install, no new interface to learn. The entire workflow happens in a conversation.

Step 01

Receive the voice note

Your buyer sends a voice message ordering goods or requesting a service — in any language, any dialect, any accent.

"Nitumie mifuko mitatu ya simiti na mabati, nitalipa baadaye"
Step 02

Forward to Maridian

Instead of typing it into a spreadsheet, forward the voice note to your Maridian contact. One tap.

Step 03

Review the output

Maridian replies with a structured order summary. If any money field is unclear, it asks you to confirm — it never guesses.

Below 97% confidence? → "Confirm price"
Never "best guess."
Step 04

Invoice + payment link

A professional PDF invoice and a request-to-pay link are generated. Forward them back to your buyer. Payment settles via M-Pesa, PIX, or card.

Live Demo

See it in action.

A real voice note. A real invoice. A real payment link. In under ten seconds.

The demo runs on a live WhatsApp thread processing Swahili/Sheng trade speech with background market noise — the same conditions our users operate in every day.

Interactive demo — coming soon

Voice note → Invoice → Payment link

Products

Two products. One engine.

The Smart Contact is the workflow. The Intelligence API is the brain. Together, they convert the dark data of commercial speech into structured financial assets.

The Smart Contact

Workflow Product

A messaging-native business contact that converts speech into structured business actions — invoice, payment link, and records — without changing user behavior.

Professional PDF invoice generation
Request-to-pay links (M-Pesa, PIX, card)
Portable trade records
Confidence-gated money fields — no guessing
Works in WhatsApp, no app required

Multilingual Intelligence API

Enterprise Product

A specialized engine that enterprises license to understand real-world commercial speech — dialects, slang, code-switching — at scale.

Code-switching: English + Swahili + Sheng in one sentence
Commercial acoustics: market noise, construction sites
Entity extraction: SKU codes, local currency slang
Bank-grade confidence scoring
REST API with webhook callbacks
Technology

Generic AI fails on real trade speech.

Standard speech models are trained on clean audio — audiobooks, news broadcasts, studio recordings. They break on the messy, multilingual, code-switched reality of how business actually sounds in high-growth markets.

Multilingual Code-Switching

Real commercial speech mixes languages mid-sentence — Swahili and English in Nairobi, Portuguese and regional slang in São Paulo, Pidgin in Lagos. Our engine is built for this reality, not the monolingual ideal.

"Nisendie fifty bags, delivery Eastleigh"
→ Intent: SEND | Qty: 50 | Location: Eastleigh

Commercial Acoustics

Trade doesn't happen in quiet rooms. It happens in markets, on construction sites, next to running engines. Our models are trained on the acoustic conditions where real orders are placed — not sanitized studio audio.

Generic ASR on trade audio: fails silently.
Maridian: extracts intent accurately.

Proprietary Trade Speech Data

We are building a commercial speech dataset that does not exist in the public domain. Every confirmed transaction sharpens the model. This data cannot be scraped from the internet — it can only be earned through deployment.

The model improves with every invoice confirmed.
Usage is the training loop.
Safety Protocol

In finance, hallucination is fraud.

Every AI system gets things wrong sometimes. Maridian is designed so that when uncertainty arises on a money field, it stops and asks — never guesses.

This is not a feature. It is the primary safety protocol.

The Confidence Cliff

If AI confidence on any price, quantity, or amount falls below 97%, the system triggers a verification prompt. The user confirms or re-records. No exceptions.

Non-custodial: we never hold, route, or settle funds
Idempotent: no double-charge if webhooks fire twice
Immutable audit logs for every invoice event
PSP handles KYC/AML, settlement, and chargebacks
Markets

Built for the voice-first economy.

Starting in the Swahili Belt — where voice notes are the operating layer of wholesale trade — and expanding to Brazil, where "Zap Zap" audio commerce meets instant PIX payments.

Kenya

East Africa — Launch Market

Swahili/Sheng trade speech. M-Pesa rails. eTIMS compliance pressure creating digital invoice demand.

91% mobile money penetration

Tanzania

East Africa

Primary Swahili hub. Kariakoo wholesale markets. Highest voice-note ordering density in the region.

~200M Swahili speakers across the belt

Brazil

Latin America — Year 2 Expansion

"Zap Zap" economy. 4x more voice messages than any other country. PIX instant payments with 56% B2B growth.

98.9% WhatsApp penetration

Nigeria & Beyond

West Africa + LATAM

Pidgin trade speech. Mexico remittance corridor. The engine is language-agnostic — new dialects are datasets, not rebuilds.

92% informal employment (Nigeria)
Enterprise

License the brain.

Banks, telcos, and logistics companies spend millions because their software cannot understand customers speaking at full speed in local dialects. The Multilingual Intelligence API changes that.

Banking & Fintech

Automate customer service and fraud detection for customers who speak in vernacular. Reduce cost-to-serve on voice channels by understanding what the customer is actually saying.

Logistics & Dispatch

Digitize voice-based dispatch centers where drivers communicate through voice notes. Convert chaotic audio into structured route and delivery instructions.

Telcos & Media

Index and search vast archives of audio content — call center recordings, field operations audio, and broadcast media — making unstructured voice data queryable at scale.

Early Access

Your business already runs on voice. Now it can run on record.

We are onboarding anchor wholesalers and distribution operators for early access in Nairobi, Dar es Salaam, and São Paulo.