STABLECOINS | African Fintech, NALA, Secures $50 Million Credit Facility to Scale Stablecoin Payments Infrastructure

NALA, a global stablecoin payments infrastructure company, today announced it has secured up to $50 million in credit financing from Liquidity, the global AI-driven private credit and technology provider, through Mars Growth Capital, a joint venture between Liquidity and MUFG Bank Ltd

The initial $25 million facility offers a scale-up option of at least $50 million to provide working capital to support NALA’s continued global expansion, product development and operational scaling as it builds the next-generation neobank, powered by its global stablecoin infrastructure.

The credit facility comes as NALA continues to operate from a strong balance sheet. The company still holds more than 50% of the capital from its 2024 $40m equity round, allowing Liquidity’s financing to be used strategically to accelerate growth and expand payment corridors without additional shareholder dilution.

“The financing from Liquidity validates our vision of building the definitive stablecoin payments infrastructure for the long term,” said Benjamin Fernandes, Founder and CEO of NALA. 

“At some point our business was more than doubling every other quarter, we grew faster than we could handle pre-funding for single direction payments and everything broke. Liquidity came in quickly and were highly flexible, so their tailored capital is a lifeline for us. It provides the cash required for NALA to pre-fund customer accounts and unlock our next phase of growth.”

“Our team structured a facility that accounts for NALA’s compliant stablecoin rails, real-time cross-border payments and rapid growth in emerging market corridors,” said Paul Brodie, Global Head of Investments at Liquidity.

“We conducted extensive bottom-up due diligence on NALA, stress-testing the model across a range of scenarios and created a bespoke, highly scalable facility that matches the sophistication of NALA’s operations.’’

This diligence informed a hands-on structuring process, with Liquidity working alongside NALA to align capital with real-time payment flows and liquidity demands.

“At Liquidity, we partner closely with founders, working alongside teams to design financing around how companies scale in practice,” said Justin Langen, Director at Liquidity.

“In NALA’s case, that meant structuring a facility that can adapt as volumes grow and corridors expand, giving them the flexibility to meet rising demand without friction. We worked closely with management to co-develop a tailored credit solution rather than relying on an off-the-shelf approach.”

Demand from enterprise customers has accelerated sharply, with NALA seeing a significant increase in B2B stablecoin payment demand over the past year alone. Liquidity’s financing gives NALA the working capital to meet this demand at scale, pre-fund larger customer accounts and onboard enterprise contracts set to go live later in 2026.

Stay tuned to BitKE on stablecoin developments across Africa.

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