Send money home, receive payments from abroad, and pay
across borders.
Fast, in full, and with no hidden fees.
Financial Inclusion Excellence Award 2026
Best Cross-Border Payments & Financial Inclusion Platform — Africa
Coming to Google Play
10K + Members
Send and Receive
Money
Instantly
Near-zero cross-border fees
Transactions that settle in seconds
Built for seamless access across services
Send, Pay, Spend — Instantly
mobile money, and your balance is ready instantly. Use it to send money home,
receive payments from abroad, and pay across borders.
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 & Secure
Create your account in minutes. Verify your identity once, and you’re ready.
Top Up Your Balance
Add funds using your preferred payment method and receive UMC instantly in your balance.
Send or Use UMC
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.
Empowering Africa with Borderless Payments through UmojaCoin
Join the founding generation of Africans building the payment infrastructure that should have existed already. Your UMC Balance is ready the moment you sign up.
Empowering Africa with Borderless Payments through UmojaCoin
Join thousands of users already enjoying fast, secure, and simple payments with Umoja-Pay. Don’t wait — your all-in-one wallet is just a tap away
Built for how you actually live
Powered by UMOJA PAY
Send & Receive
Transfer UMC to your family in the village — fast, secure, and borderless. No banks. No delays.
Build your UMC credits balance
UMC Credits are prepaid digital credits used inside the Umoja Platform. Top up. Your balance grows. Use it when you need it.
Make & Receive Payments
Freelancers and businesses can send and receive UMC payments globally — with low fees.
Designed for everyday transactions
Fast , secure, reliable platform and simple to use
Invite and Build
Every person you invite joins the Umoja Platform and adds to your UMC Credits balance. Build your balance while building the community.
Shop online
Use UMC to pay for products and services online — securely and instantly.
Your Reasons to Choose UmojaCoin
Connecting Africa to the World
Umoja Pay is built for African payment corridors — the ones that have been underserved for too long. Fast settlement. Low cost. Built for the people who need it most.
Designed for People & Businesses
Designed with clarity and ease in mind, so anyone can get started quickly without confusion or complexity.
Secure, Reliable &
Transparent
Built with strong security and verification systems to keep your transactions safe and your account protected.
Full Transparency & Control
Seamless & Fast Transactions
our transfer leaves, and then it arrives in full and in seconds.
No processing windows. No unexplained deductions. No apology calls.
THE THREE PILLARS OF THE
ECOSYSTEM
Built for Everyday Payments Across Africa
Simple access
Easily access the Umoja platform through a simple onboarding process, from sign-up to verification. Everything is designed to get you started quickly and securely.
Umoja Pay - Instant Remittances
Top up your UMC Balance. Send to anyone on the platform. Fast. Low cost. What you send is what arrives.
Umoja Agents
Walk into any Umoja-certified kiosk and get help creating your account, completing verification, and getting started. We bring real-world support to your digital experience.
The founding generation is building.
The people who build things early always benefit most.
Right now, before Umoja Pay fully launches, thousands of Africans are building their UMC Credits balance. Invite people. Engage with the platform. Be one of the first 10,000 users and get 10 UMC Credits free — added to your UMC Balance at launch.
Frequently Asked
Questions
Still have a question?
Can’t find the answer to your question? Send us an email and we’ll get back to you as soon as possible
UMC Credits are prepaid digital credits used inside the Umoja Platform. You top up using mobile money or an authorized partner. Your funds are converted to UMC Credits and held in your UMC Balance. You can then send and receive UMC Credits with anyone else on the platform, instantly, at a low cost, across borders.
Think of it the way you think of airtime or M-Pesa float: a credit balance you use inside a platform, not a currency you trade on a market. The first 10,000 users to join receive 10 UMC Credits free, added to their UMC Balance at launch.
It was created to address Africa’s fragmented financial systems caused by colonial-era borders and limited banking access, empowering Africans with a unified, borderless currency.
Vision: Unite Africa with one currency.
Mission: Empower Africans by removing financial limitations and providing access to fair, fast, and borderless payments.
By removing the need for traditional bank accounts, UMC empowers people to transact directly. Fingerprint verification makes onboarding easy, creating a trusted path to inclusion.