Africa moves billions across borders every day. It costs a fortune to send most of it. Not anymore.
Umojacoin is a Pan-African fintech company building the payments infrastructure that Africa was never given. Our flagship product, Umoja Pay, lets anyone send and receive money across Africa instantly.
Why we exist
These are the daily reality of sending money home, supporting family, and running a business across African borders. We built Umojacoin because that reality is unacceptable. And because we know exactly how to fix it.
$8.7B
African families in remittance fees every year.
500M
Adults with no access to formal financial services
$329B
In cross-border trade moves through infrastructure that fails daily
Meet Umoja Pay.
One app. No bank account required.
Umoja Pay is our mobile-first payments platform built specifically for Africa. The app allows you to send money home, receive payments from abroad, pay merchants, and top up via mobile money or a local Umoja Agent. A fingerprint is all you need to get started in under two minutes. No documents. No branch visit.
Send and Receive Instantly
Cross-border transfers that settle in seconds.
1% Fee. Every Time.
The industry average is 8.4%. We charge 1%.
No Bank Account Required
A phone and a fingerprint. Nothing else.
1.5k+
Active Users
95%
Satisfaction
4.8
App rating
Awards & Traction
BFSI INSIDER
Award Winner
Wealth & Finance
International
Award Winner
2,500+ ON THE WAITLIST
1,500 users onboarded in 48h
Enjoy seamless transactions in —Three easy steps
Launching in Kenya, Ghana, Rwanda, Nigeria, and Tanzania in 2026.
Fourteen more markets in 2027.
Download & Signup
Download Umoja Pay and sign up. No documents needed. All under two minutes.
Top Up Your Wallet
Top up your wallet via mobile money, Umoja Agent, or ATM card.
Send Instantly
Your recipient receives in local currency in real time.
Enjoy seamless transactions in — Three easy steps
Launching in Kenya, Ghana, Rwanda, Nigeria, and Tanzania in 2026.
Fourteen more markets in 2027.
1
Download & Signup
Download Umoja Pay and sign up. No documents needed. All under two minutes.
2
Top Up Your Wallet
Top up your wallet via mobile money, Umoja Agent, or ATM card.
3
Send Instantly
Your recipient receives in local currency in real time.
Enjoy seamless transactions in — Three easy steps
Launching in Kenya, Ghana, Rwanda, Nigeria, and Tanzania in 2026.
Fourteen more markets in 2027.
Create your account in minutes. Verify your identity once, and you’re ready.
Add funds using mobile money or an authorised payment partner near you. Your UMC Credits appear in your UMC Balance instantly.
Send money home to family. Receive a payment from a client abroad. Pay a supplier in another country. What you send is what arrives. Fast, and with no hidden fees.
Download & Signup
Download Umoja Pay and sign up. No documents needed. All under two minutes.
Top Up Your Wallet
Top up your wallet via mobile money, Umoja Agent, or ATM card.
Send Instantly
Your recipient receives in local currency in real time.
The people who build things early benefit the most.
Right now, before Umoja Pay fully launches, thousands of Africans are joining the founding generation. Be one of the first 1,000 users to join and get 5 UMC Credits loaded to your account at launch. You can use them to send money, pay merchants, or convert to local currency.
Only 1,000 founding spots available.
463 remaining.
Frequently Asked Questions
Umojacoin is a Pan-African fintech company building cross-border payments and remittance infrastructure for Africa. Umoja Pay is our flagship product.
A mobile payments platform that lets anyone with a smartphone send and receive money across African borders instantly. No bank account required. 1% fee.
UMC Credits are prepaid digital credits used inside the Umoja Pay platform. Think of them like airtime. You top up, your balance is ready, and you spend when you need to.
No. A smartphone and a fingerprint. That is all.
Yes your money is safe. Every transaction on Umoja Pay is recorded, traceable, and protected by biometric verification. We operate under Payment Service Provider licensing frameworks in each market and partner with regulated local financial institutions.
Umoja Pay uses UMC Credits as its internal settlement layer. Recipients receive in their local currency e.g Kenyan shillings, Ghanaian cedis, Nigerian naira, and more, converted at a transparent, fixed rate at the point of redemption.
Level 1 KYC, which requires only a fingerprint, supports everyday transaction volumes. Users who need higher limits can upgrade to Level 2 verification for increased capacity.
Failed transactions are flagged immediately and escalated to our support team. Funds are not lost. Our in-app support, WhatsApp support line, and Umoja Agent network are available to help resolve any issue quickly.
Umoja Pay launches in Kenya in August 2026, followed by Ghana, Rwanda, Nigeria, and Tanzania by the end of 2026.
Click the button below. Be one of the first 1,000 and get 5 UMC Credits free at launch.
Still have a question? Contact us at ivan@umojacoin.com