Interview exclusive de Cyrielle Kouamou avec Gaétan Pierret – L’Agefi Actifs

Dans cette interview exclusive avec l’AGEFI Actif, découvrez comment Kouamou Capital s’attaque au marché de la clientèle fortunée africaine, délaissée par les établissements bancaires locaux.

Press Interview — L'Agefi Actifs

Exclusive Interview with Cyrielle Kouamou

"Kouamou Capital is targeting the African high-net-worth market — a segment neglected by local banking institutions."

Interview conducted by Gaétan Pierret, Journalist — L'Agefi Actifs

Cyrielle Kouamou — CEO & Founder, Kouamou Capital
Cyrielle Kouamou CEO & Founder — Kouamou Capital
📰 L'Agefi Actifs
Key figures from the interview

What Cyrielle Kouamou says in numbers — for those who read on the go.

3.8Bn Projected population of Africa by 2100 "Can we really call this a niche market when the continent is set to grow from 1.4 billion to several billion people?" 🔗 Source: UN — World Population Prospects 2024
+42% Expected growth in African millionaires over 10 years "The demand exists — it is simply not being articulated or addressed at the right level." 🔗 Source: Henley & Partners — Africa Wealth Report 2023
56% of African HNWIs concentrated in the Big 5 only "The remaining 44% must also be served — their income exceeds the average monthly salary by over 1,800 times." 🔗 Source: Henley & Partners — Africa Wealth Report 2024
4.1% Projected annual economic growth in Sub-Saharan Africa "Africa has seen a rise in wealthy individuals over the past 5 years, closely tied to the continent's economic growth." 🔗 Source: IMF — Sub-Saharan Africa Economic Outlook 2025
Q
Why focus specifically on wealthy clients in Africa? Gaétan Pierret — L'Agefi Actifs
Cyrielle Kouamou
We see enormous potential and a severely underserved market. This client base is complex due to the sheer size and diversity of the continent. 56% of African HNWIs* are concentrated in the five largest economies — the Big 5 (South Africa, Nigeria, Kenya, Egypt and Morocco). The remaining 44% also need to be served, given that their income exceeds the average monthly salary by over 1,800 times. Local benchmarks need to be recalibrated in terms of relative purchasing power to properly define what it means to be wealthy in Africa. Private wealth is growing across the entire continent, creating significant potential for wealth management firms and investment advisors in particular. Cyrielle Kouamou — CEO, Kouamou Capital

Q
Aren't you worried about limiting yourself to a niche market? Gaétan Pierret — L'Agefi Actifs
Cyrielle Kouamou
Can we really call it a niche market when the continent is set to grow from 1.4 billion to 4.8 billion people by 2100? Africa has seen a consistent rise in wealthy individuals over the past five years, closely tied to economic growth of nearly 4% per year. The millionaire population is expected to grow by 42% over the next decade. The demand is there — it is simply not being articulated or addressed at the right level. Cyrielle Kouamou — CEO, Kouamou Capital

Q
Why aren't local banks serving this market? Gaétan Pierret — L'Agefi Actifs
Cyrielle Kouamou
Wealth management is not clearly defined in Africa. As in Europe, retail banks do not serve HNWI clients because they simply do not know how. Those that call themselves "private banks" mostly serve business owners with a limited offering of "premium services." Because the market lacks a regulatory framework, investors are left in the dark — between notaries, lawyers, and real estate agents, nobody really knows who does what. Cyrielle Kouamou — CEO, Kouamou Capital

Q
Do banks doubt the profitability of this client base? Gaétan Pierret — L'Agefi Actifs
Cyrielle Kouamou
Financial institutions struggle to extend their physical presence across Africa beyond the Big 5. While fintechs and pan-African banking partnerships are potential solutions, European regulatory compliance and operational standards can make these efforts unprofitable. To succeed in the African market, it is essential to adapt to local needs and accessibility. Entry requirements need to be reassessed to better match the profiles of African clients. Cyrielle Kouamou — CEO, Kouamou Capital

Q
Why operate from France? Gaétan Pierret — L'Agefi Actifs
Cyrielle Kouamou
Since we also offer European products to our clients, operating from Paris makes perfect sense. There is also a cultural dimension: our clients trust European regulation more than that of their home country. So it is partly a matter of credibility and image as well. Cyrielle Kouamou — CEO, Kouamou Capital

Q
What is their appetite for investment and risk? Gaétan Pierret — L'Agefi Actifs
Cyrielle Kouamou
It varies considerably from country to country. But broadly speaking, for our clients, wealth means built real estate, land, and cash deposits. Listed assets feel very abstract to them — they do not connect with it. That is why we have structured our offering differently, while placing a strong emphasis on financial education within our community. Addressing African wealth is more of a cultural challenge than a financial one. Cyrielle Kouamou — CEO, Kouamou Capital

Q
So what investments do you offer them? Gaétan Pierret — L'Agefi Actifs
Cyrielle Kouamou
Since we are among the first to address this market, there is still a great deal of education to be done. It is a slow approach, but a necessary one given the profile of our target clients. Our offering starts with real estate. We guide clients through obtaining the Golden Visa — a scheme that allows foreign nationals who purchase property, under certain conditions, to receive a 5-year renewable EU residency permit with no obligation to live in the country full-time. This opens the doors to the Schengen Area in exchange for supporting the local economy through taxes. Once trust is established around a project they feel comfortable with, we can gradually introduce them to other asset classes — equities, bonds, and private markets. Cyrielle Kouamou — CEO, Kouamou Capital
* HNWI (High Net Worth Individuals) — individuals with investable assets exceeding $1 million.
Your wealth deserves better

Do you recognise yourself in this picture?

Kouamou Capital serves affluent African investors that traditional banks overlook. Book a private, no-obligation consultation with our team.

Book Your Consultation
Kouamou Capital African Wealth Management

Are You Part of the 44% Being Ignored?

Cyrielle Kouamou said it plainly in L'Agefi Actifs: banks do not know how to serve African HNWIs outside the Big 5. Kouamou Capital exists precisely to fill that gap — operating from Paris, with the rigour of European regulation.

"There is still a great deal of education to be done. It is a slow approach, but a necessary one given the profile of our target clients."

Cyrielle Kouamou — CEO, Kouamou Capital · L'Agefi Actifs
Real estate advisory across Europe — Golden Visa, residency, rental yield
BCEAO / BEAC compliant fund transfers for 19 African markets
Paris-based — European regulatory credibility, African cultural understanding
Financial education built in — we build the relationship before proposing products
Progressive path to equities, bonds and private markets once trust is established
Paris HQ55 Avenue Marceau, 75116
WhatsApp+33 7 68 82 81 66
Emailco*****@************al.com

Request a Private Consultation

Kouamou Capital Questions After the Interview

What Readers Ask After Reading the Interview

It means your local bank almost certainly does not have the tools to manage your wealth at the level it deserves.

African banks — even those that present themselves as "private banks" — essentially offer premium services to business owners. They do not practise wealth management in the European sense: no asset allocation, no access to international markets, no tax structuring, no cross-border estate planning. Kouamou Capital operates from Paris precisely to give you access to that level of service, with a full understanding of your African context.

Yes — provided the fund transfer is structured correctly from the outset.

That is precisely where most African applicants fail: not on program eligibility, but on the fund transfer. Kouamou Capital has pre-approved transfer pathways for 19 African markets, covering BCEAO, BEAC, CBN and SARB compliance. We prepare the complete dossier — source of funds declarations, central bank authorisations, authorised intermediary bank instructions. The process typically takes 2 to 5 weeks depending on your country.

Because it is what our clients understand and trust — and Cyrielle explains this directly in the interview.

For affluent African clients, wealth is first and foremost something tangible: a property you can see, touch, and rent out. Listed assets feel abstract and volatile. We start where the client is comfortable, deliver a concrete result — a European residency, a rental yield — and it is that first successful experience that opens the door to more sophisticated asset classes: bonds, private equity, unlisted investments. Education always comes before the product.

Cyrielle answers this herself in the interview: it is a matter of regulatory credibility.

Our clients trust European regulation more than that of their home country — not out of rejection, but because the European legal framework offers clear protections, real recourse, and a level of transparency that African markets have not yet fully developed. Operating from Paris subjects us to strict compliance obligations (AMF, ACPR) that directly protect our clients. That is a structural guarantee, not a marketing argument.

Kouamou Capital was built precisely for you.

The Big 5 (South Africa, Nigeria, Kenya, Egypt, Morocco) account for 56% of African HNWIs — but the remaining 44% are systematically ignored by financial institutions. Kouamou Capital covers 19 African markets with operational transfer pathways, including Côte d'Ivoire, Senegal, Cameroon, Ghana, DRC, and others. If you are in a UEMOA or CEMAC country, we have the specific regulatory expertise to support you.

It depends on the program — here are the real thresholds.

€250,000 — Greece Golden Visa (real estate). EU residency + income-generating property in your name.

€50,000 — Latvia Golden Visa (investment fund). The lowest entry point for EU residency.

~$150,000 — Caribbean CBI (Dominica, Grenada, St. Kitts). Second passport in 3 to 6 months.

€500,000+ — Combined strategy: EU residency and a Caribbean passport simultaneously.

The first consultation is free and without obligation. We will tell you honestly whether you are ready — or what needs to be prepared before you are.

You fill in the form above. A senior advisor contacts you within 48 hours for a 30-minute discovery call — in English, French, or your preferred language. The call is confidential, without obligation, and without a sales pitch. We listen to your situation, ask the right questions, and tell you frankly which options match your profile. If we are not the right partner for you, we will say so. That is the approach Cyrielle describes in the interview: education before the product, trust before the transaction.