Cedar Money

Cedar Money is a B2B cross-border payment orchestration platform founded in 2022 by Israeli finance and technology experts. The company enables businesses — particularly those trading with Africa and emerging markets — to send, receive, and manage high-volume international payments using a combination of stablecoins (USDC, USDT) and fiat rails, bypassing the inefficiencies of traditional SWIFT and correspondent banking networks.

Registered as a Money Services Business (MSB) with FinCEN in the United States (Registration No. 31000310586703) and FINTRAC in Canada (Registration No. C100000878), Cedar operates as MBD Finance Technology Ltd. (DBA Cedar). The platform integrates multiple licensed and regulated financial institutions worldwide to facilitate compliant cross-border transactions.

Core Products/Services

Cedar's product suite is built around four pillars:

• Send: High-volume cross-border payment disbursements supporting up to $30,000,000 per transaction, with T+1 settlement speeds to 130+ countries and currencies including NGN, KES, XOF, USD, EUR, GBP, and CNY.
• Receive: Global payment collection for businesses, enabling merchants to accept funds from anywhere in the world in their preferred currencies, with fast T+1–T+2 settlement and support for major African market currencies.
• Virtual USD Cards: Business virtual cards for paying global suppliers and managing corporate expenses without needing a traditional bank account. Cards feature spending controls, real-time monitoring, OTP security, and freeze/unfreeze capability.
• Cedar Hold (FX Management): A buy–hold–pay FX management tool that lets businesses convert local African currencies (NGN, GHS, ZAR, KES) into USD at favourable market rates, store value securely on the platform, and pay global suppliers when needed — protecting profit margins from currency devaluation.

Key Strengths

• Stablecoin-powered rails: Cedar leverages stablecoins to achieve speed, cost savings, and reliability in cross-border transactions, particularly in markets where traditional banking is costly and unreliable.
• Dual-rail system: Combines regulated stablecoin and fiat mechanisms, enabling Cedar to operate across both blockchain and traditional financial infrastructure.
• African market expertise: Specifically built for emerging markets, with deep operational experience in Nigeria, Ghana, South Africa, Kenya, and other African economies.
• Regulatory compliance: Registered MSB in the US and Canada; partners with regulated financial institutions globally to ensure compliance with AML/KYC requirements.
• T+1 settlement: Offers near-real-time settlements, eliminating the multi-day delays common with SWIFT and correspondent banking.
• Transparent pricing: No set-up fees; transaction fees are reflected in FX costs with full transparency.

Notable Clients/Partners

Cedar's platform is trusted by businesses including New Marine, Adebisi Foods, Smarty Global, Foy Global Investments, Ashcorp, and Nectar Beauty Hub. The company partners with leading crypto and payment infrastructure providers including Luno, Yellow Card, Bridge, Bitnob, Triple-A, and Tazapay.

Why Choose Cedar Money

Cedar directly addresses the pain points of businesses operating across Africa and global markets: payment delays, opaque FX fees, currency devaluation, and inaccessible banking infrastructure. By combining stablecoin technology with a user-friendly platform and regulatory compliance, Cedar enables SMEs and large enterprises alike to manage cross-border cash flows with the confidence, speed, and predictability previously available only to large institutional players.