Technologies (like App, USSD, etc.) to digitalize Africa's UNSERVED offline commerce and finance. How will it work? We will equip retailers with technology to order FMCG & Non-FMCG inventory online, without leaving/closing their shops; and get them delivered to their shops within 24-42 hours — cheaper, easier, on credit, and layered with sales reward. Similar startups with similar offerings — like TradeDeport, Chari, etc. — exist in Nigeria, why should Arha exist? We'll bridge the gap: existing B2B E-commerce (Retail-Tech) Startups in Africa, may be doing great, but they've not yet captured even (estimated) 30% of the market. That means, (estimated) 70% of the market — thousands/million(s) of retailers — are UNSERVED; which leaves gap for other new players to bridge. Arha is stepping in as one of such players, to help spread the benefits of Retail-Tech to those thousands/million(s)of unserved retailers. Will go beyond B2B E-commerce, with C2C and more. On a broader perspective, Arha is a: Payment, Supply, and BNPL Services Provider, for African Informal Retailers. C2C & B2C for African People.