Building financial products for the Africa we know.
Umoja coin is a Pan-African fintech company building the financial infrastructure Africa deserves. We’re creating faster, more affordable ways for people, families, and businesses to move money across borders and stay financially connected.
Faster Transfers
More Affordable
Financially Connected
THE HUMAN REALITY
This is about people.
These are the ordinary experiences of cross-border financial life for millions of Africans. The infrastructure that moves money across African borders was not built for the people who need it most. It is slow and expensive, and the fees are rarely explained. Umojacoin was built to change that.
The nurse in Manchester who sends £300 home every month and watches a portion disappear before it arrives.
The freelancer in Lagos who invoices €1,200 and receives €1,047.
The trader in Kano who has absorbed ₦2.3 million in unexplained fees over four years.
THE PLATFORM LAYER
Building the future of African payments.
Umojacoin is a Pan-African fintech company focused on cross-border payments, remittances, and financial connectivity across Africa. Our first product, UmojaSend, reimagines remittances by putting recipients at the centre of the experience. Instead of sharing account numbers and banking details, recipients can create a payment request and receive support through a simple shareable link.
Coming next is Umoja Pay, our broader payments platform designed to help individuals, families, and businesses send money, receive payments, and transact across borders more easily. Supporting these services are UMC Credits, prepaid digital credits that can be used within supported Umoja services, similar to how airtime works. They are not a cryptocurrency, investment, or tradeable asset.
Umoja Coin
PAN-AFRICAN PLATFORM ROOT
Umoja Send
Remittance Link Engine
Umoja Pay
B2B & Consumer Rails
UMC Credits
Prepaid Digital Utility
GUIDING PRINCIPLES
What we're building toward
01
MISSION
To connect Africa financially through infrastructure that makes moving money simpler, more affordable, and more accessible.
02
VISION
A financially connected continent where borders create opportunity, not friction, and where people can move money as easily as they communicate.
THE ORIGIN STORY
Built by people who lived the problem.
Umoja coin wasn’t created from a theory. It was built from lived experience. Our team has worked across payments, financial services, mobile money, compliance, operations, and technology throughout Africa.
We’ve seen first-hand how difficult it can be for families to support one another across borders, for businesses to move money efficiently, and for communities to stay financially connected. Those experiences shaped the products we’re building today. Because the people closest to the problem are often the people best equipped to solve it.