Product surfaces. Global operating rails.
Mozaca turns shared identity, ledger, wallet, payment, policy, compliance, audit, and reconciliation engines into distinct products: Fedha for mobile-money ecosystems, Hazina for digital banking and treasury, and Zent for stablecoin-to-local-money digital finance.
Current product surfaces, one fabric.
The portfolio is built as a factory: shared financial engines become distinct products, market configurations, and isolated client deployments. Customer and agent wallets, merchant and biller operations, digital banking, treasury, lending, corridors, and custom implementations share the same control, ledger, and evidence model without sharing client identity or data.
Fedha
White-label mobile money, delivered under your brand.
Fedha helps operators launch a market-leading mobile money experience without rebuilding every layer from scratch. It brings branded customer, agent, merchant, admin, BI, and developer surfaces around one governed wallet and transaction platform, so transfers, payments, settlement, security, support, reconciliation, and reporting can operate with the polish customers expect and the control institutions need.
- Branded mobile money launch. Telcos, banks, and licensed issuers can launch a customer-ready wallet experience with their own brand, roles, channels, and operating model.
- Wallet and transaction core. Balances, transfers, fees, settlement, limits, receipts, and reconciliation are handled as one governed money movement layer.
- Customer, agent, merchant, and biller journeys. P2P transfers, merchant tills, paybills, invoices, bill presentment, agent float, governed cash-in/cash-out, commissions, and super-agent hierarchies share one operating model.
- Organizations and governed payouts. Branches, units, scoped staff, business wallets, maker-checker approvals, secure mobile decisions, and bulk payout imports support institutional operations.
Hazina
Banking and treasury without borders.
Hazina is a white-label digital banking platform for operators that don't want to choose between modern UX and institutional rigor. One governed core powers branded customer banking — wallets, savings, lending, BNPL, and remittance — alongside merchant acquiring and a business treasury workspace with multi-entity accounts, programmable approvals, payouts, collections, and reconciliation. Each deployment is scoped to the operator's brand, market, roles, and rails, with treasury yield, cards, and hedging on the roadmap.
- Customer banking surfaces. Branded wallets, savings, transfers, bill pay, cards, and QR payments in a customer app and web console.
- Lending and BNPL. Loan origination, limits, repayments, credit scoring, savings-as-collateral, and overdraft options.
- Remittance corridors. Cross-border send and payout with collection, settlement, and reconciliation built in.
- Merchant acquiring. Merchant onboarding, products and orders, payment links, terminals, and settlements.
Zent
Stablecoin money movement, delivered through branded finance experiences.
Zent is Mozaca's deploy-per-client digital finance platform whose defining rail is stablecoin-to-local-money convergence. It bridges stablecoins and African mobile-money rails through branded customer, admin, developer, operations, and compliance workspaces on one governed platform — adding cards, scheduled and requested payments, lending, rich compliance casework, native mobile, and API-led integration around a double-entry core and hash-chained evidence.
- Stablecoin and payout corridors. Zent supports branded wallet, on-ramp, conversion, payout, and settlement journeys across stablecoin routes, payment networks, and partner payout rails.
- Client-branded deployment. Each implementation can be scoped around the client's brand, market, identity model, operating roles, integrations, and rollout plan.
- Connected operator workspaces. Customer, admin, developer, operations, and compliance workspaces share the same client identity and audit model.
- Bank-grade ledger and evidence. Double-entry accounting, reconciliation views, signed events, and audit exports keep wallet and payout activity explainable.
Pick a product or describe your own brief.
We integrate, white-label, or extend any of these for your stack. Tell us where you’re going and Mozaca will respond within two business days with scope, timeline, and next steps.