MobiFin gives FinTech aggregators the infrastructure to onboard partners, route payments, manage settlement, and maintain compliance across a multi-entity network, at scale.
Your model depends on making a network of banks, wallets, lenders, and billers work together seamlessly. But underneath, every new partner is a new integration, a new compliance discussion, and a new settlement reconciliation problem.
The network grows. The operational complexity compounds faster. Engineering gets consumed by connector work. Compliance sits in silos. And nobody has a real-time view of what’s happening across the whole network.
The bottleneck isn’t the network size.
It’s the cost of operating it.
You sit between end-users and a network of banks, wallets, lenders, and billers. Every new partner today is a custom build, a new compliance discussion, and a new settlement model to reconcile. MobiFin gives you one execution layer for the whole network — partner onboarding via configuration, centralised settlement, and compliance controls at the aggregate level.
Many aggregators operate their own switching layer — routing and clearing between banks, mobile money operators, and card schemes within the network. MobiFin’s execution engine handles 1,500+ TPS with configurable routing rules, multi-rail support, and a ledger that adapts to any settlement model. Switching is a capability within the aggregator stack, not a separate deployment.
You operate wallet services across multiple brands, geographies, or partner entities — each with their own regulatory profile, product rules, and user base. MobiFin’s multi-tenant architecture isolates data per entity while sharing one execution layer. Compliance is configured per entity, not replicated across separate systems.
You’re building a platform where financial services are one component of a broader digital ecosystem — commerce, lifestyle, loyalty, financial products all under one identity. MobiFin’s Engage layer and SuperApp Framework give you the orchestration and experience layer on top of the financial infrastructure, without rebuilding either from scratch.
Operates mobile money across Senegal, Burkina Faso, Mali, and Ivory Coast — with an interoperable switch for cross-border remittances between West African countries. Running on MobiFin’s multi-entity network infrastructure.
Sample use cases for aggregators
Interbank routing, ACH, mobile money interoperability, real-time settlement — aggregators that operate the switching layer for their network at 1,500+ TPS with configurable settlement per entity.
ROUTING
SETTLEMENT
INTEROPERABILITY
Multi-entity wallet networks, shared compliance layer, centralised settlement reconciliation, and partner onboarding — operating a network of banks, wallets, and billers from one execution layer.
MULTI-TENANT
RECONCILIATION
White-label wallets for multiple partner brands, each with isolated ledger and compliance configuration — running on one shared infrastructure layer with centralised operational oversight.
WHITE-LABEL
MULTI-TENANT
Recharge and top-ups, bill payment aggregation, merchant payment routing, and disbursement services — all managed from one platform with centralised monitoring and configurable partner fees.
PAYMENTS
DISBURSEMENT
Financial services, lifestyle services, and partner offerings in one unified experience — with MiniApp architecture, network-wide loyalty, and a single identity across the entire ecosystem.
SUPERAPP
MINIAPPS
LOYALTY
Mobile money interoperability, airtime credit, agent distribution networks, and bulk payment services — extending telco infrastructure into a full financial services network.
MOBILE MONEY
AGENT NETWORK
Each entity on MobiFin has fully siloed, encrypted data. No partner sees another's transactions, balances, or user data. Operations and compliance are managed centrally by the network operator — with entity-level configuration for rules, limits, and regulatory profiles. The separation is architectural, not just logical.
Most partner onboarding follows a configuration process, not a development sprint. MobiFin's API-first architecture means standard integrations are handled via configuration — defining the partner's settlement model, compliance profile, and product rules. Complex integrations involving non-standard systems are scoped during discovery, but the norm is configuration over code.
MobiFin's configurable ledger supports clearing accounts, prepaid models, accrual accounts, and temporary holding accounts — per entity, per product. Each partner's settlement model is configured independently without touching shared infrastructure. Reconciliation runs automatically, not manually.
eKYC, AML screening, sanctions checks, and a full audit trail — all configurable per entity's regulatory profile. The compliance layer operates at the aggregate level, giving the network operator centralised visibility while individual entities maintain their own compliance configurations. Regulatory licensing and responsibility remain with your organisation.
Yes. MobiFin supports separate compliance configurations per entity — appropriate data separation is maintained throughout. A regulated bank entity and an unregulated wallet operator can coexist on the same network with fully separated governance, audit trails, and compliance rules.
Yes. MobiFin's execution engine handles 1,500+ TPS with a 99.9% uptime SLA — built for high-volume multi-entity networks. The microservices architecture means you scale routing, settlement, and compliance independently as transaction volumes grow across the network.
