Madiba Digitals
Connecting Africa's money networks.
Madiba Digitals is a technology firm building platforms and integrations that connect Africa's money networks. We work with partners that carry out collections and payouts.
North · West · Central · East · Southern Africa · Island markets
Featured platforms
Built by a technology firm. Connected to collection and payout partners. Explore two platforms in the Madiba Digitals ecosystem.
Mobile-money connectivity
A customer-facing platform in our ecosystem, bringing our mobile-money connectivity model into a focused digital experience. Madiba Digitals builds the technology; collection and payout partners support the movement of funds.
Explore momo2momo.appPartner-connected payment experiences
A platform in the Madiba Digitals ecosystem that reflects our approach to payment technology: a clear customer experience connected to partners that carry out collections and payouts in supported markets.
Explore sharp.cashOur operating models
Madiba Digitals is a technology firm. We develop the product interfaces, integrations and orchestration layer, working with partners that perform collections and payouts.
We build the applications and customer journeys that make partner-connected payment services easier to access. MoMo2MoMo and Sharp Sharp bring this technology model into dedicated product experiences.
We connect businesses and platforms to payment infrastructure through software, APIs and transaction workflows. Our technology coordinates requests, status updates and reconciliation across the relevant partners.
We work with partners that collect funds at the originating end and pay recipients at the destination. The applicable partner, market and payment channel determine how each collection or payout is carried out.
01 — Collect
A collection partner receives the payment through the supported local channel.
02 — Coordinate
Madiba Digitals connects the systems and coordinates the transaction workflow and records.
03 — Pay out
A payout partner delivers funds to the recipient through the supported destination channel.
MomoMe
MomoMe is Madiba Digitals' cross-border payment technology platform. It connects supported mobile-money networks, banks, payment providers and financial infrastructure so customers can send money across supported African corridors while recipients receive local currency through supported payout channels.
Step 01
Sender
GHS / NGN / XAF
Step 02
MomoMe
Orchestration layer
Step 03
Payment + FX + Settlement
Supported infrastructure partners
Step 04
Recipient
Local currency
Simple customer experience
A deliberately simple front end, supported by coordinated payment, FX and settlement infrastructure behind the scenes.
01
Select the recipient and destination.
02
Enter the amount and pay through a supported payment method.
03
MomoMe coordinates the appropriate payment, FX and settlement infrastructure.
04
The recipient receives local currency through a supported payout channel.
Network architecture
Africa already has thousands of banks, mobile-money accounts, payment platforms and financial institutions. The opportunity is to connect them.
North · West · Central · East · Southern Africa · Island markets
Pan-African ambition
Our goal is to make it possible to send and receive money throughout Africa. Ghana, Cameroon and Nigeria are our starting focus as we build a wider network of local collection and payout partners.
North · West · Central · East · Southern Africa · Island markets
The map shows our continent-wide ambition. Starting markets and illustrative expansion links do not mean every corridor is operational today.
Multi-rail infrastructure
Different corridors require different infrastructure. MomoMe is designed so collection, orchestration, FX, settlement and payout can each use the most appropriate supported provider.
Collection
Orchestration
FX & Liquidity
Settlement
Payout
Settlement technology
Digital-asset and blockchain technologies can provide efficient cross-border settlement infrastructure. Where appropriate and supported by regulated partners, MomoMe may integrate technologies such as:
The customer doesn't need to understand the settlement rail.
Conceptual settlement path
Customer experience remains currency-native.
For businesses
MomoMe is designed to give businesses a single connection point for cross-border payments across supported African markets.
Pay suppliers across supported African markets.
Send cross-border payments to distributed teams.
Send funds to customers and partners.
Support payment collection across connected markets.
Integrate cross-border payment capabilities into existing applications.
Ready to move money across your markets?
Compliance
Cross-border payments require strong regulatory and risk controls. Madiba Digitals intends to work with appropriately licensed, registered or regulator-approved financial infrastructure providers.
Capabilities below describe what the platform is designed to support, working with appropriate regulated partners.
KYC
AML
Transaction Monitoring
Fraud Detection
Sanctions Screening
Transaction Limits
Audit Trails
Reconciliation
Data Protection
Product ecosystem
Madiba Digitals is building a connected family of infrastructure products for African money movement and digital distribution.
Cross-border payment connectivity
Mobile money, banking and digital-payment infrastructure across Africa.
Digital-dollar infrastructure
A product concept for dollar-denominated balances and payouts, designed to operate with appropriately regulated partners.
Digital distribution infrastructure
Airtime, data, gift cards and prepaid digital products.
Madiba Digitals is building the technology layer that connects Africa's financial networks, one corridor at a time.