For years, raising money from the public in Morocco sat in a legal grey zone. Collecting donations online for a cause, a sports club, or a cultural project was technically possible, but nothing about it was regulated — which meant no donor protection, no oversight, and no way for a serious institution to get involved. Kiwi Collecte is the startup that changed that.
In March 2024, it became the first platform in Morocco to be granted a crowdfunding licence by Bank Al-Maghrib under the country's new regulatory framework — and, by its own account, the first licensed crowdfunding platform on the African continent.
Who is behind Kiwi Collecte?
Kiwi Collecte was founded in 2021 by Sarah Jaidi and Othmane Lamrini, with a focus on financing cultural, sporting, educational, and entrepreneurial projects. The company spent its first years doing something most startups avoid: waiting for, and helping shape, the regulation it would eventually operate under.
That patience is the whole story. Morocco's crowdfunding law introduced three distinct categories — donation, reward, and investment — each requiring its own authorisation. Kiwi Collecte pursued the donation licence and got there first, in March 2024.
The Attijariwafa Bank partnership
Since 2022, Attijariwafa Bank has been backing Kiwi Collecte, helping define an operating model that fits both the Moroccan market and Bank Al-Maghrib's requirements. The relationship was formalised as a public partnership in April 2025.
For an early-stage fintech, a partnership with Morocco's largest bank is worth more than most seed rounds. It supplies distribution, credibility with institutional donors, and the payments infrastructure that a donation platform lives or dies on.
Traction so far
- 15M+ dirhams raised through donation and reward-based campaigns to date.
- Campaigns spanning education, sport, innovation, and crisis relief.
- The Morocco Telethon 2025 for the Noor rehabilitation centre, targeting 20 million dirhams.
- Selected for Plug and Play acceleration; repeat exhibitor at GITEX Africa.
The business model is straightforward: a commission on amounts collected. No campaign fee, no subscription — the platform earns when a cause succeeds.
Why it matters for Moroccan entrepreneurs
Crowdfunding does two things at once for a young project. It raises money, obviously. But it also validates demand in public, before you commit years to building — and it produces a list of people who backed you early and have a reason to keep paying attention.
Until the licensing framework existed, none of that was safely available in Morocco. Kiwi Collecte having cleared the regulatory path means the next platforms — and eventually the reward and investment categories — have a route to follow.
You can explore the platform at kiwicollecte.ma, or see where it sits among Moroccan startups in our Kiwi Collecte profile.