01
Choose
Select the recipient and destination.
Madiba Digitals
One Africa.One Network.
Connecting Africa's money networks.
Madiba Digitals builds technology infrastructure that connects mobile money, banking and digital-payment ecosystems across Africa.
- GHS → NGN
- NGN → XAF
- GHS → XAF
MomoMe
Mobile Money to Mobile Money. Across Africa.
MomoMe is Madiba Digitals' cross-border payment technology platform. It connects supported mobile-money networks, banks, payment providers and financial infrastructure so customers can send money across supported African corridors while recipients receive local currency through supported payout channels.
Step 01
Sender
GHS / NGN / XAF
Step 02
MomoMe
Orchestration layer
Step 03
Payment + FX + Settlement
Supported infrastructure partners
Step 04
Recipient
Local currency
Simple customer experience
Four steps. One transfer.
A deliberately simple front end, supported by coordinated payment, FX and settlement infrastructure behind the scenes.
02
Send
Enter the amount and pay through a supported payment method.
03
Route
MomoMe coordinates the appropriate payment, FX and settlement infrastructure.
04
Receive
The recipient receives local currency through a supported payout channel.
Network architecture
We Connect the Networks.
Africa already has thousands of banks, mobile-money accounts, payment platforms and financial institutions. The opportunity is to connect them.
Hover a node to trace its connections
Initial network focus
Start With Three Countries. Build for the Continent.
Our initial objective is to establish a Ghana–Cameroon–Nigeria triangular payment corridor and expand into additional African markets over time.
- GHS → NGN
- NGN → XAF
- GHS → XAF
Corridors shown represent planned network focus and are not a claim that every corridor is operational today.
Multi-rail infrastructure
One Interface. Multiple Financial Rails.
Different corridors require different infrastructure. MomoMe is designed so collection, orchestration, FX, settlement and payout can each use the most appropriate supported provider.
01
Collection
- Mobile Money
- Bank
- PSP
02
Orchestration
- MomoMe
03
FX & Liquidity
- FX Providers
- Liquidity Partners
04
Settlement
- Banking Rails
- Approved Digital Settlement Rails
- Blockchain Infrastructure
05
Payout
- Mobile Money
- Bank
Settlement technology
Settlement Without Borders.
Digital-asset and blockchain technologies can provide efficient cross-border settlement infrastructure. Where appropriate and supported by regulated partners, MomoMe may integrate technologies such as:
- Bitcoin
- Lightning Network
- USDC
- USDT
- Other approved digital settlement infrastructure
The customer doesn't need to understand the settlement rail.
Conceptual settlement path
- GHS
- MomoMe
- Settlement Infrastructure
- XAF
Customer experience remains currency-native.
For businesses
African Businesses Need African Payment Infrastructure.
MomoMe is designed to give businesses a single connection point for cross-border payments across supported African markets.
Supplier Payments
Pay suppliers across supported African markets.
Contractor Payments
Send cross-border payments to distributed teams.
Business Disbursements
Send funds to customers and partners.
Collections
Support payment collection across connected markets.
API Connectivity
Integrate cross-border payment capabilities into existing applications.
Ready to move money across your markets?
Compliance
Built With Compliance in Mind.
Cross-border payments require strong regulatory and risk controls. Madiba Digitals intends to work with appropriately licensed, registered or regulator-approved financial infrastructure providers.
Capabilities below describe what the platform is designed to support, working with appropriate regulated partners.
KYC
AML
Transaction Monitoring
Fraud Detection
Sanctions Screening
Transaction Limits
Audit Trails
Reconciliation
Data Protection
Product ecosystem
Three products. One connectivity layer.
Madiba Digitals is building a connected family of infrastructure products for African money movement and digital distribution.
MomoMe
Cross-border payment connectivity
Mobile money, banking and digital-payment infrastructure across Africa.
Universal Dollar Account
Digital-dollar infrastructure
A product concept for dollar-denominated balances and payouts, designed to operate with appropriately regulated partners.
TopUpp
Digital distribution infrastructure
Airtime, data, gift cards and prepaid digital products.
Africa Already Has the Networks.We Are Building the Connections.
Madiba Digitals is building the technology layer that connects Africa's financial networks, one corridor at a time.