Cloud9, a Kenyan startup that offers digital banking services for businesses, has acquired social commerce platform Chpter in an all-stock deal, marking its second acquisition in three months after buying ticketing platform M-Tickets in May for about KES 100 million ($773,000). Cloud9 declined to disclose the financial terms of the Chpter deal. The deal reunites founder Tesh Mbaabu with the company he left in September 2025 before launching Cloud9 weeks later. It also provides the clearest indication yet of Cloud9’s strategy: acquiring businesses where customers already transact, then layering financial services on top.