About Umoja Coin
Building Payment Infrastructure for Africa
One of the fastest way to transact money in Africa
Umoja Coin is a Pan-African payments platform built to make cross-border money movement fast, affordable, and accessible for everyday Africans.
At the centre of the platform is UMC Credits, a prepaid digital credit used inside the Umoja Pay App to send and receive value across Africa.
In practice, this is what that means for you:
Your sister in London can send money home to Lagos without losing 8% to fees. A designer in Nairobi can receive payment from a client in Germany and keep what they earned.
A trader in Accra can pay a supplier in Abidjan without a five-day wait and unexplained deductions. We built Umoja because the infrastructure that moves money across African borders was not built for the people who need it most. It is slow. It is expensive. And the fees are rarely explained. Umoja Pay is being built to change that. What you send is what arrives. Fast, and at a cost that makes sense.
One of the fastest way to transact money in Africa
Redefining Digital Finance Across Africa with Umoja Coin
Mission & Vision
Discover the purpose driving Umoja Coin and the future we are building for Africa and beyond.
Our Team
Meet the people behind Umoja Coin; real faces, verified backgrounds, united by one mission.
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Join the Umoja Tribe and be part of Africa’s financial revolution.
We’re building more than a currency; we’re building a movement. Umoja Coin is powered by passionate people across Africa and beyond, working together to create a trusted, inclusive financial future.
Whether you’re a developer, designer, strategist, or community builder, there’s a place for you in the Umoja Tribe.
Local & International Partners
Active Users & Merchants
Transaction Success Rate
Local & International Partners
Active Users & Merchants
Transaction
Success Rate
Frequently asked
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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.