Three pillars. One connected economic model.

The real value of Co-ops Africa lies in the relationship between its three pillars — capital, commerce and member financial participation.

How the pillars connect

CDEx addresses the capital needs of eligible cooperative enterprises. Co-op Store supports the commercial relationships needed to acquire inputs and sell output. Co-op Pay supports member financial participation and eligible financing and payment services.

Together, these pillars are intended to help cooperatives connect their financing needs to real productive and commercial activity.

The three pillars

Capital, commerce and member finance, reinforcing each other

Each pillar stands on its own, and each one makes the others work harder for cooperative members.

Pillar

CDEx — cooperative finance

Structures and connects suitable financing for eligible productive cooperative enterprises, with issuance, listing and secondary trading handled on the exchange.

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Pillar

Co-op Store — circular commerce

Brings cooperative suppliers, buyers and pooled procurement into one commercial marketplace, so member societies buy together and sell into a wider market.

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Pillar

Co-op Pay — member finance

Member accounts, savings, credit facilities and day-to-day payment services, so the value a cooperative creates reaches its members directly.

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The cooperative value cycle

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The cooperative value cycle

Pillar interconnection

How the pillars reinforce each other in practice

Important information

The cycle is a strategic model, not a guarantee that every transaction will pass through all three pillars. Each service can be used independently where available and appropriate.

Let's build together

Let's build Africa's cooperative economy together.

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