Grey
“Can a multi-currency neobank built for emerging-market freelancers and digital nomads become the default financial infrastructure for global-first workers in Africa, Southeast Asia, and Latin America?”
Founded in 2020 as Aboki Africa, a Bureau de Change alternative for Nigerian freelancers exchanging foreign currencies locally. Rebranded to Grey in early 2022 and joined Y Combinator, pivoting from pure FX exchange toward a full multi-currency neobank model — offering virtual foreign bank accounts (USD, EUR, GBP) with virtual Mastercard cards. Expanded geographically across Africa, then into Latin America and Southeast Asia via a dLocal partnership. Has since added a business banking product with bulk payouts and developer APIs, positioning itself as the financial OS for global-first workers in emerging markets.