Inclusive, Web3 banking built for the real world.
Banks, developers, and MSMEs use Umoja products to pay and invest in emerging digital economies.
Inclusive, Web3 banking built for the real world.
Banks, developers, and MSMEs use Umoja products to pay and invest in emerging digital economies.
Inclusive, Web3 banking built for the real world.
Banks, developers, and MSMEs use Umoja products to pay and invest in emerging digital economies.















Proudly backed by

Umoja Protocol
Umoja Protocol
Tokenized real-world assets powering emerging credit markets.
Tokenized real-world assets powering emerging credit markets.




Umoja Pay
Umoja Pay
Adaptable wallet infrastructure and mass-payout tooling purpose-built for rural communities
Adaptable wallet infrastructure and mass-payout tooling purpose-built for rural communities
