Umoja Tech brings you a seamless UMC experience: pay merchants with ease, cash in or out at local kiosks, send instant wallet transfers, enjoy branchless banking, and integrate smoothly through our APIs.
Funds delivered in seconds—whether you’re sending to a bank account, mobile wallet, or Umoja Agent.
Industry-leading FX rates and flat fees keep more money in your pocket.
See every fee and rate up front—no surprises at payout.
Send to 30+ countries across Africa, plus corridors to Europe and Asia.
Sign up and verify your identity to securely access all features on the platform.
Add funds using your preferred payment method and receive UMC instantly in your balance.
Send UMC instantly to others or use it within the platform. Stay in control with clear tracking and a simple, intuitive experience.
Sign up now and lock in your founding member spot.
When the app launches, you will receive 10 UMC Credits added to your UMC Balance for free, as a thank you for being early. Use those credits to send money home, receive a payment from a client abroad, or pay someone across the border. No hidden fees. What you send is what arrives.”
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.
