Experience seamless cross-border payments — no jargon, no bank visits. With Umoja Pay, send money, top up, or cash out instantly anywhere.
Active Users
You don’t need a crypto background, our clean, guided flow walks you through setup, backup and your first 1 UMC send in under 60 seconds
Tap “Cash In,” choose your country, and visit any Umoja Agent kiosk. Walk away with UMC credited instantly, or turn UMC into local currency on the spot.
Whether it’s your phonebook contacts or a QR scan, transfers settle in seconds. No network delays, no hidden fees.
PIN, biometrics, and optional 2FA guard your funds-protected on Polygon’s secure network and backed by multi-audited smart contracts
Poor signal? Pre-authorize transactions offline and sync automatically once you’re back online.
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.