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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.

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Fedha product demo
High-volume
Launch target
Built for operator scale
Multi-surface
Operator workspaces
Customer, merchant, admin, BI, developer
Brand-led
Deployment model
Roles, data, rails, policy

Inside the Fedha workspace — from product UI.

Captured from the product UI — wallets, transfers, KYC, security, treasury, and settlement states that a buyer can inspect before a walkthrough or implementation conversation.

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Fedha / Wallets

Fedha workspace — Wallets

Wallets

Primary and secondary wallet views with held, available, pending, and created-wallet states.

Fedha / Send money

Fedha workspace — Send money

Send money

P2P send flow with fee, limit, security, review, and confirmation states.

Fedha / Account & security

Fedha workspace — Account & security

Account & security

KYC summary, PIN status, passkey setup, sessions, and security controls for the customer account.

What Fedha does.

01

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.

02

Wallet and transaction core

Balances, transfers, fees, settlement, limits, receipts, and reconciliation are handled as one governed money movement layer.

03

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.

04

Organizations and governed payouts

Branches, units, scoped staff, business wallets, maker-checker approvals, secure mobile decisions, and bulk payout imports support institutional operations.

05

Omnichannel delivery

Native customer and business apps, customer web, operator portals, POS, and dedicated customer, agent, and organization USSD serve smartphone and feature-phone users.

06

Compliance, audit, and reporting

KYC/KYB, AML rules, immutable audit events, retention, legal holds, reconciliation, reporting, and evidence exports are designed into day-two operations.

07

Developer and interoperability layer

API keys, webhooks, sandbox tooling, MiniApps, partner APIs, and national-switch interoperability foundations support integration-led deployments.

How Fedha operates.

Fedha is structured for regulated mobile money deployments: a branded platform that can launch customer wallets, merchant acceptance, agent networks, settlement operations, admin workflows, and developer integration without rebuilding the operating backbone for every client.

Operating capabilities

  • 01Client-bounded setupBranding, roles, policies, data boundaries, rail configuration, and operating controls are scoped around each deploying institution.
  • 02Balance integrityPosting, holds, reversals, account provisioning, duplicate protection, and projections are treated as the balance source of truth.
  • 03Service contractsCustomer, merchant, agent, organization, fee, notification, ledger, and transaction services communicate through explicit product contracts.
  • 04Channel breadthCustomer and business mobile, web portals, merchant and agent operations, POS, and role-specific USSD serve different users without forking the core.
  • 05Security baselineSecure sign-in, transaction PIN, MFA, passkeys, role-bound access, audit events, and policy checks are designed into the flow.
  • 06Launch maturity disciplineCapabilities are tracked clearly through walkthrough, sandbox, pilot, and production readiness so buyers know what is available at each stage.

Product modules

  • 01Merchant acceptanceTills, paybills, payment links, QR, merchant statements, invoices, refunds, and settlement views are part of the operating surface.
  • 02Agent networkAgent hierarchy, float wallet, commission wallet, cash-in, cash-out, top-up, and offline-tolerant agent-app workflows support branch and field operations.
  • 03Organization operationsBranches, units, staff scopes, mobile approvals, payout batches, invoices, and operational reporting let institutions govern distributed teams.
  • 04Biller operationsGoverned account-master imports, bill presentment, reference validation, invoices, payment collection, and settlement reporting support utilities and service providers.
  • 05Settlement accountsOrganization wallets, trust-account style movement, opening liquidity, journals, and paybill settlement support regulated operating patterns.
  • 06InteroperabilityPartner APIs, webhooks, MiniApps, and national-switch foundations connect a Fedha deployment to approved external participants and rails.

Build evidence

  • 01Client-informed product coreThe reusable architecture has been exercised through a client-specific implementation while the public Fedha brand, configuration model, and client confidentiality remain separate.
  • 02Multi-channel operating proofCustomer and business mobile, web, USSD, merchant, agent, administration, reporting, and developer workflows have implementation and UAT evidence.
  • 03Governed financial backboneLedger, approvals, payouts, audit retention, biller operations, KYC/AML, notifications, interoperability, reconciliation, and recovery controls sit behind the product surfaces.

From signup to settled.

  1. 01

    Provision

    Set up the brand, market, regulatory pack, channel mix, workspace theme, data boundaries, and operating roles for the deploying institution.

  2. 02

    Configure

    Map wallets, KYC tiers, limits, paybills, merchant tills, settlement accounts, agent hierarchy, fees, approvals, and notification channels.

  3. 03

    Operate

    Run customer transfers, merchant payments, agent cash-in/cash-out, float purchases, payouts, statements, support, and admin decisions through the platform.

  4. 04

    Reconcile

    Turn transaction activity into customer, merchant, settlement, statement, journal, and BI views with audit-ready evidence.

Built across the rails that matter.

Composes with the chains, rails, custody partners, and signing providers institutional teams already trust — and bring your own when the brief calls for it.

Workspaces

  • Customer
  • Organization
  • Merchant & agent operations
  • System admin
  • Developer
  • Reporting

Core platform

  • Wallets
  • Ledger
  • Transaction routing
  • Fees
  • Settlement

Operator services

  • Customer 360
  • Biller operations
  • Agent & super-agent networks
  • KYC/AML
  • Audit & reconciliation

Channels

  • Native customer & business apps
  • Web portals
  • Customer / agent / organization USSD
  • POS
  • SMS / email / push
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Start with the Fedha demo.

Review the demo flow, then request the access path that matches your team: walkthrough, technical review, partner scoping, or implementation planning.

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