How it works

Simple for the sender.Coordinated underneath.

MomoMe is designed to keep the customer experience currency-native while orchestrating collection, FX, settlement and payout across supported infrastructure partners.

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GHSNGNXAF
  • GHS → NGN
  • NGN → XAF
  • GHS → XAF

Customer journey

Four steps.

01

Choose

Select the recipient and destination.

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.

Transaction flow

From sender to recipient.

Step 01

Sender

GHS / NGN / XAF

Step 02

MomoMe

Orchestration layer

Step 03

Payment + FX + Settlement

Supported infrastructure partners

Step 04

Recipient

Local currency

Behind the transfer

Layers that make a corridor work.

Every corridor combines collection, orchestration, FX and liquidity, settlement and payout. MomoMe is designed to select the appropriate supported provider at each layer.

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

FAQ

Common questions.

MomoMe is under active development. Our initial objective is a Ghana–Cameroon–Nigeria triangular payment corridor, delivered together with appropriately licensed or regulator-approved partners.

Madiba Digitals is a technology company. We intend to work with appropriately licensed, registered or regulator-approved financial infrastructure providers in each market we serve.

The initial network focus covers GHS, XAF and NGN corridors, with additional African markets planned over time.

No. Where digital settlement rails are used with regulated partners, the customer experience remains currency-native — send in local currency, receive in local currency.

MomoMe is designed to provide infrastructure that businesses and financial platforms can integrate into their own applications. Talk to us about early partner conversations.

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.

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