Umoja Tech brings you a seamless UMC experience: pay merchants with ease, cash in or out at local kiosks, send instant wallet transfers, enjoy branchless banking, and integrate smoothly through our APIs.
Your mobile pay app
Buy goods at your local shop, top up airtime, or send UMC—all in one tap on your phone.
Your local cash-in point
Walk into any Umoja Agent kiosk to swap your physical cash for UMC—or turn UMC into cash on the spot.
Instant UMC transfers
Open Umoja Pay, tap “Send,” enter the UMC amount, and your family’s Umoja app balance updates right away.
Banking for the unbanked
Keep your UMC safe, pay for supplies, or get real cash at any Umoja Agent whenever you need it.
Simple developer tools
For shops and developers: send UMC, check balances, and automate payments with simple web links—no crypto talk.
Sign up now and lock in your spot–when the app launches you’ll get 10 UMC preloaded in your wallet to start transacting immediately
Have the skills, passion, and drive to transform cross-border payments? Join our team, help design, build, and scale solutions that empower millions.
Looking to power borderless payments at scale? Become an Umoja partner or investor, integrate our rails, onboard your network, and drive financial inclusion together.