One People. One Continent.
One Currency
Tired of high transfer fees and delayed payments?
UmojaCoin lets Africans send and receive money across borders instantly — without banking stress.
Send. Pay. Transact. Instantly
Send and Receive
Money
Instantly
Africa trades, Africa connects, and people work hard to move money across borders. Yet for too long, fees, delays, and fragmented banking systems have slowed your money down.
Near-zero cross-border fees
Transactions that settle in seconds
One stable digital value across 54 nations
From the City to the Village
Powered by UMC
Send & Receive
Transfer UMC to your family in the village — fast, secure, and borderless. No banks. No delays.
Save in UMC
UMC is pegged to the US Dollar, helping protect your money from inflation and currency volatility.
Make & Receive Payments
Freelancers and businesses can send and receive UMC payments globally — with low fees.
Staking
Stake your UMC and earn rewards while supporting the Umoja ecosystem.
Invite & Earn
Share UMC with your network and earn bonuses for every successful referral.
Shop online
Use UMC to pay for products and services online — securely and instantly.
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
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
Swap, Send, Spend — Instantly
You don’t need to be a crypto expert to use Umoja. If you can use a smartphone, you can join the Tribe.
Acquire UMC
Buy UmojaCoin via supported exchanges, mobile money, or authorized partners across Africa
Buy UmojaCoin via supported exchanges, mobile money, or authorized partners across Africa
Store Securely
Buy UmojaCoin via supported exchanges, mobile money, or authorized partners across Africa
Buy UmojaCoin via supported exchanges, mobile money, or authorized partners across Africa
Buy UmojaCoin via supported exchanges, mobile money, or authorized partners across Africa
Acquire UMC
Buy UmojaCoin via supported exchanges, mobile money, or authorized partners across Africa
Store Securely
Use our official wallet apps for Android & iOS with advanced security features.
Transact Instantly.
Send or receive funds anywhere in Africa within seconds, 24/7.
Your Reasons to Choose UmojaCoin
Start Your Journey With Umoja Coin
Africa’s Stable Digital Currency
Built for the continent, UmojaCoin offers a reliable, secure, and borderless payment system that works anytime, anywhere.
Designed for People & Businesses
From individuals to enterprises, UmojaCoin empowers growth by making financial services accessible to everyone.
Secure, Reliable &
Transparent
Powered by blockchain technology, every transaction is safe, traceable, and trustworthy.
Connecting Africa to the World
UmojaCoin bridges local economies with global trade, driving financial inclusion and freedom.
Seamless & Fast Transactions
Whether buying in local markets or sending money across borders, UmojaCoin ensures instant, low-cost payments.
THE THREE PILLARS OF THE
ECOSYSTEM
Built for Everyday Payments Across Africa
Umoja Pay - the Only Wallet You’ll Need.
Buy groceries, pay for your Uber or settle utility bills directly from your phone. Simple enough for your grandmother, powerful enough for your business.
Umoja Send - Instant Remittances
Supporting family shouldn't be a luxury. Send UMC to any phone number on the continent instantly. They can spend it digitally or cash out at any local agent.
Umoja Pay - the Only Wallet You’ll Need.
Buy groceries, pay for your Uber or settle utility bills directly from your phone. Simple enough for your grandmother, powerful enough for your business.
Earn Rewards from Crypto Staking
| Product | Est. APR | APR | Duration | Type | Action |
|---|---|---|---|---|---|
|
UMC
|
1 - 25% | 25% | 360 days |
Fixed
Flexible
|
Be Part of Africa’s Digital
Financial Future
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 is Africa’s stable digital currency, built on Polygon, designed to eliminate financial obstacles and unite Africans with one currency for cross-border payments and everyday transactions.
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.
Polygon ensures low fees, scalability, and security, making Umoja accessible for high-volume, low-cost transactions across Africa.
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.