Media Kit

Collins Joe is a Ghanaian tech entrepreneur and founder of Sendexa, Xtopay, and Xtottel Ltd. Recognized as one of Africa's youngest fintech innovators, he builds payment solutions tailored for African markets. Born in the Volta Region, Collins combines technical expertise with deep understanding of Africa's digital economy needs.

Collins Joe (b. June 28, 2004) is a Ghanaian computer scientist and serial entrepreneur building Africa's next generation of financial infrastructure. As founder of Sendexa, he pioneered blockchain-based cross-border payments reducing costs by 60%. His ventures Xtopay and Xtottel Ltd have been recognized by Forbes Africa 30 Under 30 and the Africa Fintech Awards. Collins began coding at 12 and launched his first startup at 18 while still in high school. Now studying Computer Science at the University of Ghana, he advocates for youth entrepreneurship across Africa. His work focuses on creating inclusive financial systems through mobile-first solutions tailored for emerging markets.

Collins Joe is transforming Africa's digital economy through innovative fintech solutions. Born June 28, 2004 in Ghana's Volta Region, his technological journey began at age 12 when he built his first computer from spare parts. This early passion evolved into a mission to leverage technology for Africa's development. While still a high school student at Ghana Senior High School, Collins co-founded his first startup Xtottel Ltd in 2019, a tech innovation hub developing African solutions in AI and IoT. At 18, he launched Xtopay, a cross-border payment solution that would later be acquired by a Pan-African payments group in 2023. His flagship venture Sendexa, founded in 2021 while studying Computer Science at the University of Ghana, has become one of West Africa's fastest-growing fintech platforms. Sendexa's blockchain integration has reduced intra-African remittance costs to just 1.5%, serving over 500,000 users across 12 countries. Collins' work has been featured in TechCrunch, Quartz Africa, and BBC Focus on Africa. He's received numerous accolades including the 2023 Africa Fintech Award and was named to Forbes Africa's 30 Under 30 list. A sought-after speaker, Collins has presented at the Mobile World Congress Africa, Africa Tech Summit, and Harvard Africa Business Conference. Beyond entrepreneurship, Collins mentors young African founders through the Xtottel incubator program which has supported 12 startups to date. He serves on the advisory board of Ghana's Digital Innovation Centre and advocates for progressive tech policies across the continent. Collins continues to balance his academic pursuits with building technology that addresses Africa's unique challenges, proving that age is no barrier to impactful innovation.