16 years building agent networks across 11 African countries · Home of the Agent Network OS
Distribution & market-infrastructure strategy for African fintech

Most fintechs optimize what's visible. I diagnose what isn't.

You have technology, funding, product and marketing. Yet growth stalls, agents churn, liquidity fails. The hidden economic constraint in your distribution system is holding everything back.

No courses. No hype. No generic frameworks.

Trusted by operators, platforms & founders across Africa

OparetaPngmeMukuruSpenn MoneyWayaBankGreenWellsMamamoni
Oxford Saïd Fintech Programme · IDEO Last Mile Money Accelerator Winner '22 · Mojaloop × DFS Lab Bootcamp Winner '22
“You are deliberate, strategic and think in an ecosystem way. Your ability to connect dots is phenomenal.”
Lorraine, CEO of Pngme
LorraineCEO, Pngme
The 90-Day Sprint

Find the hidden economic constraint. Fix it in ninety days.

Most networks don't leak because of bad execution. They leak because of an invisible constraint in the economics, incentives, or trust. This is the same system I use in advisory and entrepreneur-in-residence work with fintechs, banks, and platforms across Africa.

1

Locate the constraint

A structured review across all six lifecycle stages: onboarding, training, marketing, liquidity, support & redress, expansion, to surface the single economic constraint holding your network back, and the weakest stage to attack first.

Agent Network Diagnostic: lifecycle view
2

Design the fix

A 30-day quick fix and a 90-day structural move, each with an owner, metrics, and expected results. Sequenced so you tackle the highest-leverage constraint first, not everything at once. A ready-to-share brief built for your team, board, and partners, not a 50-page report.

Sample diagnostic report brief
3

Ship it with your team

Weekly working sessions with your ops and commercial teams to implement the fix: agent economics, liquidity design, commission structures, and the business-model patterns that fit your market.

Hugo running a live working session with a team
Days 1–15Diagnostic deep-dive: data, field reality, agent economics
Days 16–30Roadmap alignment: owners, metrics, expected results
Days 31–75Implementation sprints with your team, weekly cadence
Days 76–90Re-run the diagnostic, measure movement and speed, decide whether there's a second cycle
Pricing

Start where you are. Every step feeds the next.

Four ways in, one path: fix one constraint, then find the next.

Step 1

Find your constraint

Free

24 scored questions across all 6 agent-lifecycle stages. You get a full network health scan, your weakest stage pinpointed, and the complete report in your inbox. Takes 8–12 minutes.

Run the diagnostic →
Step 2

The Agent Network OS

€70/year or €7/mo

Full archive, webinar, 20+ business-model patterns (postal-led, agri-led, MNO-led, rider-led, POS-led…), plus the tools & templates I use in real operator work.

Subscribe →
Where it starts
Step 3

Power-Hour Workshop

€350/session

One focused hour on your hardest agent-network problem. Come with data, leave with a decision. Ideal pressure-test before committing to a sprint.

Book a Power-Hour →
Flagship
Step 4

90-Day Sprint

€2,400–4,000/mo

Diagnose, fix, and scale with me embedded alongside your team, working directly with the CEO. Two tiers by maturity; runs in 90-day cycles.

Book an intro call →

The Sprint runs at two tiers by maturity: €2,400/mo for early-stage networks (pre-Series A, under ~1,000 agents), and €4,000/mo for growth & scale (multi-market, regulated, or 5,000+ agents). Not a fit if you're pre-revenue, running fewer than ~200 active agents, or just need a deck for a funding round: start with the free diagnostic instead.

Customer feedback

What operators and partners say about working with Hugo

“Hugo designed and delivered a training session on agents for African central banks. He did an excellent job of sharing his expertise. The collaboration was very fruitful.”

Astrid de GermayHORUS Development Finance

“Excellent session, very informative and well structured: a great opportunity for dialogue with industry partners.”

Hans BoonTransforming Postal Networks for Digital & Financial Inclusion

“Hugo was a great help as we reviewed our approach to last-mile distribution and agency networks. He is very knowledgeable and I would definitely recommend his services.”

Erik SeivingCOO, Fintech, SaaS & Payments
Trusted partners

When you need more than a healthier network

Building a healthier agent-network ecosystem takes more than one operator. When a sprint surfaces a need outside my scope, these are the best-in-market partners I plug in.

Business Development

5TM: Five Thousand Miles

Business development for teams expanding to Africa, LatAm, the US, or Europe. My go-to when a sprint uncovers a market-entry or partnerships gap.

Debt Finance Platform

Lendahand

European impact-debt platform channelling retail investors into licensed African lenders and MFIs. When the constraint becomes working capital or float financing, this is where I send you.

Legal, Regulatory & Licensing

Blue Gorilla

Central-bank licensing for transformational business-model shifts, and mediation with regulators when it counts, sequencing fixes before fines or denial of service.

Book a call first: I'll help scope the fit and pass you a partner rate.

Hugo Pacheco speaking on a panel Speaking

Field-built talks on agent networks & last-mile fintech

Keynotes, webinars, and masterclasses on agent-network economics, liquidity, and distribution in emerging markets, grounded in 16 years of operator work, from M-Pesa agent lifecycles to central-bank training programmes.

Previously with
African Development Bank GroupCGAPUNCDFGSMACFIMicroSave Master ClassReFinD · ISSERIDEOEfi Pylarinou Podcast
Speaker rate · Virtual or in-person
€1,000
  • 45–60 min keynote, masterclass, or fireside chat
  • Tailored to your audience: operators, regulators, or investors
  • Live agent-network diagnostic for attendees
  • Q&A and follow-up materials included
  • In-person: host covers travel & lodging
Check availability

FAQs

How do I know which sprint tier applies to me?

Early stage (€2,400/mo) covers pre-Series A fintechs and networks under ~1,000 agents. Growth & scale (€4,000/mo) covers anyone operating across multiple markets, holding a regulated licence, or running more than ~5,000 agents: fintechs, SaaS platforms, banks, MFIs and remittance operators. We confirm the tier on the intro call, no negotiation theatre.

How much of my team's time does the sprint require?

Plan for one 60–90 minute working session per week with your ops/commercial leads, plus async access to data and field teams. The sprint succeeds based on how well your team knows your agents: I bring the system, you bring the ground truth.

Should I run the free diagnostic before booking a call?

Yes, it makes the intro call twice as useful. You'll arrive knowing your weakest lifecycle stage, and we spend the call on what to do about it rather than on discovery.

Do you work remotely or on the ground?

Sprints run remotely by default, with weekly live sessions. On-site field visits can be added for growth-tier engagements where the diagnostic points to field-level execution issues.

How many sprints do you run at once?

I run a maximum of three sprints in parallel: every engagement gets me, not a junior team. Depending on the pipeline, there's typically a 2–4 week wait before kick-off. If you have a network review or scaling push planned for later in the year, reach out early to reserve a slot.

What happens after the 90 days?

Between days 76 and 90 we re-run the diagnostic, measure movement on the metrics we set in week two, and build the plan for the next cycle. Then I tell you whether I think a second cycle is worth your money: not every sprint should continue, and I'll say so. If it should, we carry on at the same rate, usually shifting from internal fixes to ecosystem and positioning work: partnerships, funding for agent float, licensing and regulator conversations. If it shouldn't, you can stay on the tools alone via the Agent Network OS, or we close out. You keep the roadmap either way.

Find your weakest stage. Fix it.

Start with the free diagnostic or book a 15-minute intro. Either way, you leave with decision clarity, not a sales pitch.

Book a 15-min intro call