The Operating System for Digital Financial Services

MobiFin empowers banks, FinTechs, digitechs, telcos, aggregators and wallet operators to launch, run, and grow digital financial services in any market, at any scale.

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The Operating
System
for Digital
Financial
Services

MobiFin empowers banks, FinTechs, digitechs, telcos, aggregators and wallet operators to launch, run, and grow digital financial services in any market, at any scale.

MobiFin Dashboard MobiFin App 2 MobiFin App 3 MobiFin App 4
Mobile 1 Mobile 2 Mobile 3
Platform
Tapestry
Core Platform Layer
Solution
Digital Wallet
Crypto-Fiat · Buy, Sell, Transfer
Solution
Agency Banking
Wallet-in-a-Box · 45 Days
AI Powered
Product Intent
Describe It · AI Builds
Performance
Agent Target
400/400 · 100% Achieved
Module
One SuperApp
Banking · Payments · Insurance
AI POWERED

Trusted by Institutions Across 25+ Markets

Stanbic Bank
Ratnaafin
National Bank of Malawi
lyfi
Lycamobile
Finnet Indonesia
ethswitch
amco bank
CRDB Bank
City Bank
Citizen Pay
Any Pay
Telecome
Stanbic Bank
Ratnaafin
National Bank of Malawi
lyfi
Lycamobile
Finnet Indonesia
ethswitch
amco bank
CRDB Bank
City Bank
Citizen Pay
Any Pay
Telecome
WHO WE ARE

We build financial technology for every institution that moves money.

MobiFin is a financial technology company with one focus: giving institutions the foundation to deliver digital financial services reliably, at scale, across markets of their choice. From Digital Wallets and Agency Banking to Digital Banking, Core Banking, Lending, and SuperApps — our offerings serve banks, FinTechs, telcos, aggregators and wallet operators across 25+ markets.

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THE PROBLEM WE SOLVE

Modern financial services are held back by outdated infrastructure.

Most institutions run on systems that weren’t designed for today’s transaction volumes,
regulatory demands, or customer expectations. This results in slow launches, siloed operations,
and rising technical debt. MobiFin replaces that complexity with purpose-built solutions and
platforms on a proven, governed execution foundation.

01. Too many vendors, too little control

Fragmented systems mean compliance gaps, integration overhead, and no single source of truth for transactions.

02. New products take months, not weeks
Legacy architecture and rigid vendor dependencies make iterating on customer offerings costly and slow.
03. Scale breaks things
Systems that work at pilot volume collapse under production load. Regulated markets cannot afford that risk.
TWO WAYS TO WORK WITH US

Not every institution modernizes the same way. Some need full-scale systems from day one.
Others need to innovate around what’s already running. MobiFin supports both on the same
execution foundation.

If you’re building from the ground up or replacing an existing system 

If you’re extending, experimenting, or launching around what’s already live

MobiFin Classic MobiFin Tapestry ```
MobiFin Classic
Get production-ready financial systems, deployed end-to-end.

Purpose-built solutions for Digital Wallets, Agency Banking, Digital Banking, Lending, Core Banking, and SuperApps — each independently deployable, regulated-market ready, and designed for real transaction volumes from day one.

MobiFin Tapestry
Compose fit-for-purpose products around your existing infrastructure.

A composable product assembly layer that turns MobiFin’s proven capabilities into reusable, governed building blocks — configurable, testable, and launch-ready in days, not months. Without disrupting what’s live.

MOBIFIN CLASSIC

Everything you need to run digital financial services.

From core transaction platforms to channel banking and specialist financial
systems — each independently deployable and production-ready.

Digital Wallet

Payments, remittances, and stored value across consumers, merchants, agents, and enterprise — all from one wallet platform.

Agency Banking

Scale agent networks profitably with centralized float management, liquidity prediction, and full operational oversight.

Digital Banking

Omnichannel, context-aware banking journeys for retail and corporate customers, across channels and touchpoints.

Engage
Control and update digital experiences across channels — without redeployments or waiting on releases. Manage journeys, content, campaigns, and SuperApp runtime from a single orchestration layer, with built-in engagement analytics that show where users drop off and why.
SuperApp Framework

Bring banking, payments, and lifestyle services into a unified
ecosystem model, built to grow beyond financial transactions.

Digital Lending

Frictionless loan journeys from origination to repayment, for retail, SME, and corporate borrowers.

Core Banking

Retail, corporate, trade finance, treasury, and compliance; all on a unified platform foundation.

MOBIFIN TAPESTRY

FinTech's first AI-led product composition platform

Tapestry is MobiFin’s composable product assembly layer. Purpose-built for FinTech, it is the first platform where financial products are composed, tested, governed, and run, all in one place. Tapestry draws from MobiFin’s proven platform capabilities, turning them into governed, reusable primitives that teams can assemble, test and ship without rebuilding systems or replacing what’s already live.

SAMPLE USE CASES

Digital Onboarding & eKYC Automation
Merchant Payment Aggregation
Seller / Partner Commission & Payout Engine
Wallet-as-a-Service
Embedded wallets
Transaction Routing & Failover Engine
How it works
01
Describe
Define your product in plain language. Tapestry's AI maps your intent to governed fintech primitives, abstracted from MobiFin's battle-tested platform capabilities.
02
Compose
Assemble governed workflows from pre-existing primitives — KYC, limits, fee logic, settlement. Financial behaviours, rules, and decision points — all controlled, no code generated.
03
Publish
Test end-to-end in a production-like sandbox. Promote directly to production — nothing leaves the platform. Governed, auditable, and API-ready in days, not months.
WHO WE SERVE

Built for every institution that moves money.

Banks
Build and scale digital banking, agency, wallets, lending, core, and superapp capabilities from a unified platform.
FinTechs & NeoBanks
Expand financial product portfolio at production grade, without building core infrastructure from scratch. Go to market faster on a proven, regulated- market-ready foundation.
DigiTechs
Embed financial services into your existing platform, such as payments, wallets, and lending, without becoming a financial institution or owning the infrastructure underneath.
Telcos
Monetize your subscriber base by launching wallets, recharge, vouchers, and SuperApp experiences for millions of users.
Wallet Operators
Build and scale full-scale wallet products for multiple user personas and manage agents, merchants, and consumers from a single execution layer.
FinTech Aggregators
Onboard partners, route payments, and manage settlement across your entire network from one platform.
INDUSTRY RECOGNITION

Rated. Awarded. Recognized across markets.

By analysts and industry bodies that track financial infrastructure.
2026
Juniper Research

Established Leader, Digital Wallet Vendor Benchmarking

2025
Africa Bank 4.0 Summit
Winner, Best Agency Banking Solution
2025
Juniper Research

Established Leader, Mobile Money Vendor Benchmarking

2025
Juniper Research FinTech & Payments Awards

Gold Award, Best Digital Wallet Platform

2024
Connected Banking Ethiopia
Winner Best Agency Banking Platform
FROM OUR CUSTOMERS

What institutions say after adopting MobiFin.

Tun Tun Linn CEO & Chief Digital Officer, CDGS Group

“We have a bold vision with the super-app and the digital transformation journey at the group level. And we are happy to find a trusted partner in MobiFin.”

Sebastian Vetter CEO, Wizall Money

“MobiFin is the perfect fintech service provider and we strongly endorse their highly secured MobiFin platform to companies looking to deliver advanced digital financial services to their end customers.”

Sirra Ndow Group Head, QMoney Financial Services

“We implemented MobiFin’s Pin-less Airtime and Electronic Voucher Distribution solutions. Their professionalism and technical knowledge were impressive, and their platform fulfilled our requirements.

MOBIFIN IN ACTION

Don't take our word for it. See it yourself.

Explore live demos, use-case walkthroughs, and technical documentation — or get sandbox access and start building today.
Tapestry
Tapestry
PERSPECTIVES

Thinking from the MobiFin team.

Latest Insights

Research, analysis and perspectives from our team

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FAQ's

Common questions, answered plainly.

By analysts and industry bodies that track financial infrastructure.

MobiFin offers a unified suite of financial products and platforms for building and operating digital
financial services. Institutions use MobiFin to launch Digital Wallets, Agency Banking networks,
Digital Banking platforms, Digital Lending systems, SuperApps, and Core Banking capabilities, all
running on a shared transaction execution foundation, with the option to extend through Tapestry,
MobiFin's composable product assembly layer.

MobiFin offers both, a product suite and a platform. MobiFin Classic offers production-ready
financial products deployable independently. Shared platform layers manage transaction execution,
experience orchestration, and operational monitoring. Tapestry provides a composable assembly
layer for institutions building new products on existing infrastructure without replacement.

Every MobiFin Classic solution is independently deployable. There is no architectural lock-in
between products. Each runs on the same execution foundation but deploys on its own terms.

MobiFin is PCI-SSF certified and integrates security at the platform layer. Features include a secure
key vault with rotational key management, SafeBalance protection, strong authentication, role-
based access control, and end-to-end encryption. Compliance settings (i.e. KYC tiers, transaction
limits, reporting formats, audit trails) are configured at the platform level and apply uniformly
across all products.

Yes. MobiFin is designed for heterogeneous environments and integrates with core banking
systems, payment switches, identity providers, telecom infrastructure, and external partner
systems through APIs and a declarative workflow engine. New partners and services can be added
to the ecosystem with minimal or no code changes, allowing institutions to extend capabilities
without replacing existing infrastructure.

MobiFin Classic delivers complete, production-grade financial systems deployed end-to-end. Tapestry is a SaaS platform that lets institutions assemble targeted financial products from MobiFin's reusable, governed capabilities without a full system deployment. It suits teams needing to move faster than their current stack allows, without the cost or risk of replacing it. Both Classic and Tapestry run on the same execution foundation.

Yes. The platform is built on a microservices architecture with a cloud-native, API-first, MACH- ready design that supports high availability, elastic scaling, and rapid integration. It is used in production across multi-party ecosystems managing large transaction flows involving wallets, banking systems, payment networks, and agent networks, across regulated markets in 20+ countries.
Yes. MobiFin is built for complex financial ecosystems where agents, merchants, consumers, enterprises, and partner systems interact simultaneously. Transaction governance, settlement controls, compliance rules, and customer lifecycle management remain consistent across all participant types, from onboarding through to settlement.
Yes, MobiFin is cloud-native and host-agnostic. We support deployments on all major global and regional cloud providers, as well as on-premises and hybrid deployments for regulated environments with data residency requirements.
MobiFin offers different pricing options, including a capital expenditure model, a term license model, an operating expenditure model, a hosted model, and revenue share agreements.
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in production?

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