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Integration unlocks every rail
Mobile Wallet OS is API-first infrastructure that connects stablecoins, mobile money, and cash endpoints across Sub-Saharan Africa. One integration. Every rail. Every market. Every settlement pathway.
Three layers that run automatically on every transaction — from API call to settled funds.
A single API call unlocks every mobile money rail, stablecoin endpoint, and cash network the OS supports — across every market, in every currency.
KYC/AML verification, transaction limits, reporting obligations — configured per market in the Operator Dashboard. Your code never changes when regulations do.
Mobile Wallet OS routes each transaction through the fastest available path, confirms receipt on-chain or in-rails, and logs a cryptographic proof.
Rail Abstraction
OS Module
MTN MoMo, Orange Money, M-Pesa, Wave, Airtel Money — each has a different API, authentication model, and settlement window. The OS normalises them all into a single REST surface.
Your integration code looks identical whether you're settling USDC on-chain or fiat via mobile money. The OS translates, routes, and confirms.
Compliance Engine
OS Module
Regulatory requirements differ between Cameroon, Kenya, Ghana, Nigeria, Senegal, and Tanzania. The OS manages every jurisdiction independently — so you don't have to.
KYC tiers, AML screening, transaction velocity limits, and mandatory reporting are configured once in the Operator Dashboard and enforced automatically at the transaction level.
Liquidity Router
OS Module
Settlement speed is a function of available liquidity in each corridor. Mobile Wallet OS maintains pre-funded pools across rails and markets, automatically routing each transaction through the fastest, lowest-cost path.
When one rail is congested, the OS switches transparently. Your end users never see a delay — and your balance sheet stays clean.
Operator Dashboard
OS Module
Every market configuration — rails, limits, compliance tiers, fee schedules — lives in the Operator Dashboard. Activate a new market by flipping a switch. Change a transaction limit without touching your codebase.
The Dashboard is your control plane. The API is your data plane. They work independently so operations teams don't need engineers for every config change.
Mobile money, stablecoins, and cash networks — each abstracted behind the same API surface. New rails are added without client changes.
The REST API is designed to feel familiar. If you've used Stripe or Paystack, the shape of the request is immediate. The difference is what happens on the other side.
1// Single API call — any rail, any market
2const response = await fetch('https://api.mobilewallet.com/v1/transfer', {
3 method: 'POST',
4 headers: {
5 'Authorization': 'Bearer YOUR_API_KEY',
6 'Content-Type': 'application/json',
7 },
8 body: JSON.stringify({
9 amount: 50000, // XAF
10 currency: 'XAF',
11 destination_rail: 'mtn_momo',
12 destination_market: 'CM',
13 recipient_phone: '+237612345678',
14 reference: 'txn_abc123',
15 }),
16})
17
18const { transaction_id, status, settled_at } = await response.json()
19// status: "settled" — avg 47sMobile Wallet OS is a B2B platform. You are a fintech, exchange, neobank, or operator. Your users never interact with the OS directly — they interact with your product.
Add African on/off-ramp to any crypto product. Users move USDC to MTN MoMo in a single API call.
Expand to new African markets without negotiating rails yourself. The OS handles the plumbing.
Offer instant settlement corridors into Cameroon, Kenya, Ghana, Nigeria, Senegal, and Tanzania.
Give your stablecoin real-world utility via mobile money off-ramps in every supported market.
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Regulatory frameworks managed
Every market has its own KYC tier thresholds, AML watchlist sources, transaction velocity limits, and mandatory reporting schedules. The OS manages all of them — independently, per market — so your integration never changes when regulations do.
FAQ
Everything you need to know before you integrate — from architecture to pricing.
We respond within one business day.
What does "OS" mean in Mobile Wallet OS?
The OS (operating system) analogy captures the platform's position: it's the layer that all applications run on top of. Just as Windows handles memory and I/O so applications don't have to, Mobile Wallet OS handles rails, compliance, and liquidity so your product doesn't have to.
How long does integration take?
A standard integration takes 1–3 business days. We provide a sandbox environment that simulates live rail behaviour, full API documentation, and SDKs for the most common languages. Our developer team is on-call for questions.
Can I access multiple markets with one integration?
Yes. That is the core promise of the OS. One integration unlocks every market the platform supports. Activating a new market is a config change in the Operator Dashboard — no code change on your side.
How does the OS handle settlement failure?
Every transaction has a defined fallback path. If the primary rail is unavailable, the OS automatically routes through the next available path. If no path is available, the transaction is queued and retried. You receive a webhook at every state change.
Is there a transaction fee?
The OS charges a per-transaction fee that varies by corridor and rail. Fee schedules are negotiated per client and visible in the Operator Dashboard before any transaction is submitted.