The Future of
Payments is Real-Time

Driving participation in the next generation of low-cost digital payments infrastructure and services for governments, financial institutions, commercial organizations, and individuals worldwide.

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Our vision is a future in which people will be able to send, receive, and use money anytime, anywhere, with anyone – instantly.

Today, however,…

Cell phone payments

The world runs on private payment systems

The lack of ability for modern payment networks to “talk” to each other adds inherent costs to the financial system in the form of fees (transaction, wiring, processing, hardware, and others). This cost excludes about 2 billion people from the global financial system.

Fees stifle small business

Business owners around the world cannot afford the setup costs that come with each new payment service or the transaction fees charged on each sale. Merchants often resort to cash only transactions, miss out on potential customers, and their business pays the price.
Shopkeeper losing customers

The Solution is…

Instant and inclusive real-time payments

A real-time payment network (RTPN) is a multi-actor, instant, 24/7 electronic fund transfer service that can be initiated through a variety of channels.
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How does an RTPN drive value?

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Mojaloop is a real-time payment network platform developed in partnership with the Bill & Melinda Gates Foundation.

ModusBox maintains a leading role in the Mojaloop community through contributions to the core solution and development of adjacent capabilities. We support government, industry, and commercial organizations with scheme creation, hub business operations, and technical operations for self-hosted or cloud-based Mojaloop real-time clearance solutions.

The level one projectBill & Melinda Gates Foundation

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Key design principles of Mojaloop

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Open-loop system available to all

Available to any licensed financial institution in a country.

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Real-time, “Push” payments only

Removes risks & costs associated with batch processed “pull” payment systems.

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Irrevocable payment with same-day settlement

Enables low value, high volume transactions in real-time.

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Governed by financial service providers, regulated by the Central Bank

Creates fairness within the financial system participants with a well-tested model

Our work with Mojaloop

We have deep roots working across financial services, mobile money, and development and delivery of flexible micro-services. Our history and experience enabled us to partner with other industry leaders in the creation of Mojaloop in order to drive financial inclusion to the world’s most vulnerable.

Learn about Mojaloop

Mojaloop connectivity diagram

Why work with us?

Building & deploying open source real-time payment networks

The Mojaloop code is open source. We offer an open source Software Development Kit (SDK) to help you manage real-time payments.

Discover our Mojaloop SDK >
View Mojaloop page >

Connecting to real-time payment networks

Connection Manager is an open source product that assists your organization in connecting your systems to real-time payment networks.

See our Connection Manager >

Real-time payment network implementation
  • Expert help to set up your RTPN
  • Cloud hosted and managed options
  • Processes to leverage Mojaloop for credit unions and community banks
  • Global consulting for financial institutions, governments, system integrators and more
  • Training and educational workshops
Real-time payment network management
  • Early patch and bug fixes
  • Specialized production support contracts
  • Proxy participation in open source community
  • Subscription-only training and courses
  • Community support at

Want to learn more? Start a conversation.

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