About Umoja Coin
Building Payment Infrastructure for Africa
We built this because it should have existed already.
Umoja Coin is a Pan-African payments platform built for the people that the old system left behind. 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. These are not edge cases. They are the ordinary experience of cross-border financial life for millions of Africans.
At the centre of the platform is UMC Credits. These are prepaid digital credits used inside the Umoja Pay App. Think of them like airtime or M-Pesa float. You top up. Your balance is ready. You use it. 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.
We built this because it should have existed already.
The mission. The team. The build.
Mission & Vision
We are building the payment infrastructure Africa has always needed. Fast, affordable, and built for the people the old system left behind.
Our Team
Meet the people behind Umoja Coin; real faces, verified backgrounds, united by one mission.
Join the Umoja Movement
Stay updated as we build. Get the latest on Umoja Pay, UMC Credits, and what is coming next — straight to your inbox.
Subscribe to our newsletter
The founding generation of African financial infrastructure.
Local & International Partners
Active Users &
Merchants
Transaction
Success Rate
Local & International Partners
Active Users & Merchants
Transaction
Success Rate
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