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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.

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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.

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The founding generation of African financial infrastructure.

 There will come a day when millions of Africans use Umoja Pay to send money home, receive payments, and transact across borders without losing value to fees they never agreed to. The people reading this right now are the founding generation. You are here before it is obvious. You are building your UMC Credits balance before most people know this exists. That is what Early Africa means. Not just a campaign, but also a founding moment
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Frequently asked
questions

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What is UMC?
UMC Credits are prepaid digital credits used inside the Umoja Platform. You top up using mobile money or an authorized partner. Your funds are converted to UMC Credits and held in your UMC Balance. You can then send and receive UMC Credits with anyone else on the platform, instantly, at a low cost, across borders. Think of it the way you think of airtime or M-Pesa float: a credit balance you use inside a platform, not a currency you trade on a market. The first 10,000 users to join receive 10 UMC Credits free, added to their UMC Balance at launch.
Why was Umoja Coin created?

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.

What is the vision and mission of UMC?

Vision: Unite Africa with one currency.
Mission: Empower Africans by removing financial limitations and providing access to fair, fast, and borderless payments.

How does Umoja Coin help unbanked Africans?

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.