A global technology holding company
We build software that opens closed systems — fair elections, honest tax, open markets, everyday payments. Six products, one company, all engineered end to end by one team.
The portfolio
Each Torama product takes a system that is normally slow, opaque or gatekept and rebuilds it as something fast and trustworthy. Different colours, one engineering standard.
01 / Civic technology
Elections & governance
Run an election anyone can trust.
Secret-ballot online elections with verifiable receipts. Any group can vote in minutes; every voter can confirm their ballot was counted, and anyone can audit the result on a public board.
Open Torama Vote →vote.torama.money
02 / Public finance
Tax & compliance
Nigeria's tax, finally simple.
A digital calculator and filing portal built on the Nigeria Tax Act 2025. Work out personal, corporate and VAT liabilities in seconds — accurate, plain-language and aligned to the new NRS regime.
Open Torama eTax →etax.torama.money
03 / Capital markets
Trading infrastructure
An exchange for synthetic markets.
A self-hosted trading exchange for proprietary synthetic instruments — live pricing, real-time order matching and a clean trading desk built on Torama's own indices and derivatives.
Open Phidex →phidex.torama.money
04 / Retail trading
Fractional access
Real markets, fractional access.
Trade BTC, ETH, gold, silver and the major indices — the S&P 500, Dow and Nasdaq — from as little as $1. A fast, mobile-first trading floor that fits in your pocket.
Open Otuburu →otuburu.torama.money
05 / Digital payments
Wallets & transfers
Secure money, for life.
A secure mobile wallet for everyday money: pay bills, airtime, data and TV; send to any bank or BibiTrust user; receive into your own dedicated account number; and grow your savings and investments. Secured with a PIN and on-device biometrics.
Open BibiTrust →bibitrust.app
06 / Civic technology
Live election monitoring
Real-time results, verified.
A live command centre for elections: field agents submit polling-unit results and incident reports from a mobile app, and the situation room streams verified tallies in real time — grounded in the Electoral Act with AI-assisted analysis.
Open Situation Room →sr.torama.money
The company
Torama Global Services Ltd is a global software company. We design, build and run civic, public-finance, capital-markets and digital-payments products under one roof — from cryptographic vote receipts to live trading and wallet infrastructure.
Partnerships, pilots, press or a product question — we read every message.
contact@torama.money →