API-first on/off-ramp infrastructure for emerging markets.
Live in Cameroon & Kenya · 6+ markets in pipeline
One API. Every rail.
Connect to MTN MoMo, Orange Money, M-Pesa and more through a single REST integration.
Compliance by default.
KYC/AML checks, transaction limits, and reporting handled at the OS layer per market.
Settlement in seconds.
Average settlement time under 55 seconds. Funds move — not promises.
Built for the markets.
Half our team was born into the markets we serve. Proximity shapes every product decision.
Maxime paid 11% to send money from the United States to Cameroon — over 10,000 kilometres, hours to days. He started mapping why the cost was higher than the distance.
The answer was always the same: rails in isolation, compliance too expensive to integrate, liquidity too fragmented to settle reliably. Mobile Wallet OS is the infrastructure layer that fixes all three at once.
Connect once to the Mobile Wallet OS REST API and instantly unlock mobile money, stablecoin, and cash settlement across every supported market.
Live
CameroonDouala
MTN MoMo · Orange Money
Live
South AfricaJohannesburg
Bank Servers · Stablecoins
Pilot
KenyaNairobi
M-Pesa
Pilot
GhanaAccra
MTN MoMo · Vodafone Cash
Pipeline
NigeriaAbuja
Flutterwave · OPay
Pipeline
SenegalDakar
Wave · Orange Money
Pipeline
TanzaniaDar es Salaam
M-Pesa · Airtel Money
Pipeline
United StatesNew York
ACH · Wire · USDC
Pipeline
CanadaToronto
EFT · Interac · USDC
Production flows running in Cameroon and Kenya. Transactions settle in under 55 seconds. Each new market goes live through a single dashboard config — no code changes, no redeployment.
From a personal observation in Cameroon to a multi-market infrastructure platform.
Maxwell pays 11% to send money from the United States to Cameroon — over 10,000 kilometres, hours to days. He starts mapping why the fee costs more than the distance.
Isaac joins. Together they wire up MTN MoMo and Orange Money and run a controlled pilot: 50 transactions, all settled. The mechanics are proven.
They realise the integration layer itself — not any single app on top of it — is the defensible asset. Mobile Wallet OS is incorporated. First external client onboarded.
Cameroon and Kenya production flows active. ATM and agent endpoints deployed as validation infrastructure. Fatima and Kwame join the founding team.
Ghana and Nigeria pilots underway. Senegal and Tanzania in pipeline. Third-party clients integrating via REST. The OS serves every client the same way it serves its own endpoints.
5 years · 5 milestones · 6+ markets
Four operating principles that guide every product, partnership, and platform decision.
We build the layer that other products depend on. If the platform goes dark, wallets go dark. Reliability is not a product feature — it's the promise.
Half our team was born into the markets we serve. We've sent money through the rails we're rebuilding. That context shapes every product decision.
Every compliance decision, every API contract, every settlement guarantee is written in code because prose is too easy to walk back.
Physical endpoints aren't a side project. Every ATM transaction, every agent interaction returns data that makes the platform smarter.
Strategic partners with deep roots in African mobile money, enterprise banking, and blockchain infrastructure.
FAQ
Everything you need to know about Mobile Wallet OS — what it is, who it's for, and how it works in production.
Talk to our team directly — we respond within one business day.
What exactly is Mobile Wallet OS?
Mobile Wallet OS is API-first infrastructure that connects stablecoins, mobile money, and cash endpoints across African emerging markets. It handles compliance orchestration, liquidity routing, rail abstraction, and settlement guarantees so builders can focus on their product, not the plumbing.
Which markets and rails are live today?
We are live in Cameroon and Kenya, with Ghana, Senegal, Nigeria, and Tanzania in active pipeline. Supported rails include MTN MoMo, Orange Money, and M-Pesa. New rails are added continuously via the Operator Dashboard without redeployment.
How long does an API integration typically take?
A standard integration takes 1–3 days using our REST API and sandbox environment. We provide SDKs, webhook documentation, and dedicated developer support to accelerate your go-live.
How does compliance work across multiple markets?
Compliance is handled at the OS layer — KYC/AML checks, transaction limits, and reporting requirements are configured per market in the Operator Dashboard. Your integration code does not change when you expand to a new market.
