Former Stripe and Paystack growth lead Joe Kinvi is on a mission to make long-term investing in Africa safer and more accessible for the global diaspora. His U.K.-based startup, Borderless, is building the financial infrastructure for African diaspora communities to co-invest in startups and real estate—two asset classes typically out of reach for remote investors.
Launched in beta last year, Borderless has already processed over $500,000 in transactions and now supports diaspora collectives across multiple continents. The platform helps manage the end-to-end flow: from member onboarding and cross-border payments to regulatory compliance and capital deployment. By routing funds through verified sellers, escrow accounts, or legal partners, Borderless aims to replace the informal—and often risky—channels diaspora investors have historically relied on.
Kinvi’s personal journey with investing collectives started in 2020 with Hoaq, a community he co-founded to back African startups like LemFi, Bamboo, and Chowdeck. But technical and regulatory friction led the group to manually build its own workflow. That evolved into what is now Borderless. The startup has backing from names like DFS Lab, Olumide Soyombo, and Ezra Olubi (Paystack CTO), many of whom are users themselves.
As Kinvi sees it, unlocking the $30 billion in idle migrant savings requires more than remittance pipes—it needs trust, automation, and a secure investment platform. With over 100 communities on the waitlist, Borderless is betting that the next wave of African fintech will be built not just for sending money home, but for growing it.