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API-First On/Off-Ramp Platform

Cash ↔ Crypto Rails for Emerging Markets

One integration unlocking stablecoins, mobile money, and cash endpoints across emerging markets — compliance and settlement built in.

1×

Integrate once, access every rail

Mobile Money · Bank Rails · Cash

One API · Every Rail · Always On ·

Remittances

Remittances

Fast, compliant cash and mobile money payouts using stablecoins as the settlement layer.

On/Off-Ramps

On/Off-Ramps

Let users enter and exit crypto via local payment methods without building regional infrastructure.

Fiat Rails

Fiat Rails

Support compliant deposits and withdrawals in cash-dominant economies.

Stablecoin Distribution

Stablecoin Distribution

Expand stablecoin access through regulated, last-mile payout channels.

Working Process

How it Works

01

Integrate Once

Connect to Mobile Wallet OS via REST APIs and webhooks — one integration, every rail.

02

Quote & Route

Get real-time pricing and intelligent routing through available liquidity and rails.

03

Settle Locally

Compliance checks run automatically — then funds settle via mobile money, bank rails, or cash.

Mobile Wallet OS connecting payment rails across markets
Mobile Wallet OS

One OS. Every Rail.

A unified API and dashboard enabling wallets, fintechs, exchanges, and stablecoin issuers to support cash-to-crypto and crypto-to-cash flows — without operating physical infrastructure.

  • Single integration across all payment rails
  • Compliance and KYC hooks built in by default
  • Real-time liquidity routing and spread management
  • No infrastructure to build or maintain

Core Platform Modules

Six production-ready modules powering every transaction on the OS.

Live request traffic

MODULE 01

API Gateway

Authentication, rate limiting, request validation, and webhook delivery at scale.

QuotedPendingProcessingSettled

MODULE 02

Transaction Orchestrator

Quote generation, state management, retries, and idempotency across all rails.

KYC tier checkPassed
AML screeningPassed
Velocity limitsMonitoring

MODULE 03

Compliance Engine

Country rulesets, pluggable KYC hooks, velocity limits, and full audit logs.

Stablecoin inventory
Float thresholds
Spread calculation

MODULE 04

Liquidity & Treasury

Stablecoin inventory, float thresholds, routing logic, and spread calculation.

MTN MoMo
Orange Money
UBA
XRP Ledger
Mobile Wallet OS

MODULE 05

Settlement Layer

Mobile money APIs, bank rails, cash endpoints, and automated reconciliation.

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MODULE 06

Operator Dashboard

Live monitoring, analytics, API usage, billing, and per-region controls.

Request API Access
Moving money across borders and markets
Built For Scale
  • Remittances
  • On/Off-Ramps
  • Fiat Rails

Looking to move money across emerging markets?

From remittances to stablecoin distribution — connect once to Mobile Wallet OS and reach users through mobile money, bank rails, and cash endpoints without building local infrastructure.

Crypto Wallets, Fintechs, Exchanges, Stablecoin Issuers, and more...

Compliance-First

Built for Regulators. Not Just Developers.

Every transaction flows through a jurisdiction-aware compliance engine.
  • Pluggable KYC & AML providers
  • Jurisdiction-specific transaction rules
  • Full audit logs & reporting
  • Role-based access controls
  • Secure key management & encryption
  • Data minimization principles
Market
Market

8+

Live across 8+ African markets!
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Developers

Get started in minutes. Ship in days.

  • REST APIs & Sandbox

    Full REST API with a sandbox environment to integrate and test before going live — no production risk.

  • Webhooks & Status Updates

    Webhook-driven transaction status updates with automatic retries and idempotency keys built in.

  • One Integration. Every Rail.

    Connect once to unlock multiple countries, payment rails, and cash endpoints without rebuilding.

Request API Access
Developer integration illustration
API
<55s

Avg Settlement Time

Transaction Settled

12s ago

Compliance Passed

12s ago

Request a Demo

See Mobile Wallet OS in action. We'll walk you through a live integration, show real settlement flows, and answer every technical question your team has.

Book a Demo

VIEW DOCS

Everything you need to integrate in one place — REST API reference, sandbox setup, webhook guides, and country-specific compliance documentation.

Explore Docs

Latest Resources

Case studies, guides, and insights from the field.

All Articles
Crypto Expo Dubai 2025 - Zabeel Hall, Dubai World Trade Centre

Event

Mobile Wallet Inc. to Present at Crypto Expo Dubai 2025

February 26, 2026

Gerald Chenyi presenting Mobile Wallet at Invest Web3 Forum

Event

Startup Pitch Spotlight: Mobile Wallet Incorporated

February 25, 2026

Gerald Chenyi and team selected for XRPL Commons Aquarium residency in Paris

Incubation

We're Going to Paris: Building the Future of Crypto Payments

January 10, 2026

Trusted by

The organisations already with us.

Partners, investors, and clients who believe the infrastructure gap is real — and that we're the ones to close it.