01 / DOCUMENTATION
Documents in different places.
Invoices in email. Contracts in shared folders. Supporting documents on WhatsApp. No single view of what is complete.
Cross-border trade payments Early Access
From commercial invoice to compliant settlement.
Kubikila is being built to help businesses pay international suppliers with greater speed, clarity and control. One workflow connects documentation, compliance, FX, approvals and payment tracking, through to settlement and reconciliation.
Available today: Interactive workflow from invoice to reconciliation. Fictional data and simulated checks; no money moves.
In development: Live FX, execution and settlement integrations. Simulated in the demo.
Built for businesses trading between Angola and international markets. Starting with Portugal, with expansion across Europe planned.
One transaction workspacePrototype
KUB-2026-000184Reconciled
€86,400.00
Medical equipment · Invoice LM-2026-084
BUYER · ANGOLAKwanzaMed
Equipamentos, Lda.
Equipamentos, Lda.
SUPPLIER · PORTUGALLusomedical
Systems, Lda.
Systems, Lda.
Trade documentationComplete ✓
Compliance reviewCleared · simulated ✓
Internal approvalApproved ✓
Supplier settlementConfirmed · simulated ✓
One case. Every step accounted for.Demo data
Understand the total cost
Review the quote, fees and amount before approval.
Know what needs attention
See the requirements, responsible person and next step.
Follow the outcome
Connect payment progress to supplier receipt and reconciliation.
The missing connection
A business payment is
more than a transfer.
A business can have a supplier, an invoice and funds available, yet still face uncertainty about access to foreign currency, the final cost and when its supplier will be paid. Documents, decisions and updates sit across banks, email and spreadsheets.
02 / COST AND TIMING
Uncertainty before payment.
A rate is only part of the decision. Currency availability, fees, quote validity and outstanding requirements all affect when a payment can proceed.
03 / VISIBILITY
Limited visibility after submission.
Knowing a payment was submitted does not tell you whether the supplier was credited or the invoice reconciled.
How Kubikila works
A clear next step.
From invoice to reconciliation.
Start with the invoice. Bring together the documents, assign the decisions and follow each stage through to supplier receipt and reconciliation.
01 →
Invoice
Identify the buyer, supplier and purpose of payment.
02 →
Documents
Bring the invoice, contract and supporting records together.
03 →
Compliance
Review the parties, transaction and source of funds.
04 →
FX
See the supplier amount, total cost, rate and quote expiry before accepting.
05 →
Approval
Record the authorised decision before submission.
06 →
Execution
Track submission and processing through the provider.
07 →
Settlement
Record the outcome and supplier credit confirmation.
08 ✓
Reconciliation
Match the invoice, reference and settlement record.
The trade payment case
One transaction.
One case. One status.
Each international purchase has one case: the supplier, invoice, documents, quote, decisions and payment status. Explore the working prototype to prepare a case, review its cost, approve it and follow simulated settlement through to a complete transaction file.
Explore the interactive demoKubikila workspaceTrade paymentsPrototype · Demo data
KUB-2026-000184Reconciled
Medical equipment
KwanzaMed Equipamentos → Lusomedical Systems
Transaction overviewEUR
Invoice amount€86,400.00
Trade documentsComplete
Source of fundsReviewed · simulated
ApprovalAuthorised approver
ReconciliationMatched
Transaction timeline
- Documentation completeInvoice and contract linked
- Internal review clearedSimulated compliance checks
- Execution and settlementSimulated provider confirmation
- Invoice reconciledComplete transaction file ready
The documents, together.
Keep the invoice, contract and supporting records with the operation they belong to.
The responsibility, clear.
See what is missing, who needs to act and which decision is required.
The outcome, recorded.
Bring the supplier confirmation, invoice match and complete history into one dossier.
Compliance in context
Know what has been reviewed.
See what is still needed.
Keep verification records and supporting documents with the payment. Record who reviewed them, what was decided and what needs attention.
- Buyer and supplier verification records
- Source-of-funds evidence and review
- AML, sanctions and risk review status
- Decision history, timestamps and responsibilities
Case review / prototype
Check the requirements before the next step.
Each stage has requirements. A missing document or unresolved review keeps the next step on hold.
Commercial purposeDocumented
Source of fundsReviewed
Internal complianceCleared
Provider decisionSeparate assessment
Illustrative workflow. Internal review does not replace a financial provider’s own checks or acceptance.
Angola and international markets
An international vision.
Starting with Portugal.
Kubikila is being built for businesses trading between Angola and international markets. Portugal is our first planned corridor, with other European markets to follow.
ORIGIN MARKETAngola
FIRST DESTINATIONPortugal
Workflow demonstration with fictitious data. No live payments.
For businesses
One operation.
A shared view for your team.
From the purchase order to the supplier receipt, each team contributes to the same transaction record.
01
Importers
Connect a supplier purchase to the payment process.
02
Procurement
Keep contracts and invoices attached to the case.
03
Finance
Follow approvals, settlement and reconciliation.
04
Treasury
Review FX terms and execution readiness.
05
Suppliers
Help confirm receipt against the commercial invoice.
Designed for execution through licensed partners.
Payment and FX execution is intended to be provided through appropriately licensed financial partners.
Financial partner arrangements are not yet in place. Live services will depend on the relevant agreements, permissions and corridor availability.
Where we are today
Explore what works.
See what comes next.
The prototype demonstrates the complete customer journey. Explore the workflow today and see the services planned for the next stage.
Try a complete trade-payment case
Create a case, organise document records, review a simulated quote, switch approval roles and follow the operation to reconciliation. Export the complete transaction file.
Try the five-minute demoConnect the workflow to execution
Secure workspace access, private document handling and connections to financial providers for real quotes, payment execution and settlement updates.
The prototype uses fictional data. Its quotes, checks and payment events are simulated. No real payments are processed.
The team
Commercial understanding.
Technical foundations.
Bringing together regulatory compliance, engineering and cybersecurity to build a clearer trade-payment experience.
Juelson Narciso
Founder · Strategy and Compliance
An Angolan founder working across regulatory compliance, data protection and cybersecurity, with postgraduate training in Data Protection, Privacy and Cybersecurity in the EU.
His work across European and African contexts informs Kubikila’s focus on the documentation, responsibilities and decisions behind international business payments.
Fábio Kléber Rodrigues Narciso
Team member · Engineering and Cybersecurity
Fábio holds a B.Tech in Electronics and Computer Engineering from UPES and is pursuing an MCA in Cybersecurity and Digital Forensics.
His technical background spans networking, IT infrastructure, Python and Linux, bringing an engineering and information-security perspective to Kubikila’s development.
Justino Essuvo
Team member
Justino is studying Management at the Autonomous University of Lisbon, with a background in accounting and administration.
His experience includes customer service, sales, administrative support and operations in Angola and Portugal, as well as supporting international opportunities through AIESEC in Lisbon.
Early access / product research
Does your business make international payments
to or from Angola?
Help shape business payments involving Angola. Share your experience in a 5-minute questionnaire.
Consider a recent payment: the cost, the time it took and how you followed its progress.
Complete the questionnaire and download your answers. Responses are not sent to Kubikila.
No bank details or transaction documents are requested.
Open the questionnaire