Mojaloop: Real-time
Payment Solution

The world’s first open source platform for interoperability in a real-time payment network. We’re driving low-cost digital payment services for banks, companies, governments, and people everywhere. Check out our contributions on

Contact us

The unprofitable unbanked

Unbanked populations typically rely on low-value, high volume transactions, making them less attractive customers for most banks

Barriers to financial inclusion


Withholds funds from people living on the financial edge


Causes an inability to spend funds at all merchants


Limits payments and increases costs

Legacy Networks

Old solutions inhibit the adoption of new technologies

The solution: Mojaloop, an open source platform for real-time payment networks

Learn about real-time payment networks >
Lock in

Mojaloop creates opportunity without lock-in

As a secure open source platform, Mojaloop promotes interoperability for everyone—all classes of Digital Service Providers (DFSPs) and the customers they serve. With a purpose-built reference architecture that embodies the Level One Project principles, Mojaloop is a cost-effective solution for real-time payment and settlement management. Payment Hub Operators can leverage the technology to deliver transformational and inclusive financial services into their markets.

Developed in partnership
with the Gates Foundation
& Level One Project

ModusBox has lead multiple Mojaloop implementations in developing markets, and worked with the wider community to accelerate understanding and adoption Mojaloop.
The level one project

Key principles

Open Loop System

Available to any licensed DFSP in the country including banks and licensed non-banks.

“Real-time, “push” only Payments”

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

Irrevocable payments with same-day settlement

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

Governed by DFSPs, regulated by the Central Bank

Engenders fairness for financial system participants with a well-tested model

Mojaloop features

Mojaloop payment systemMojaloop payment system

The Mojaloop Hub is the primary container and reference used to describe Mojaloop’s core components.

The Account Lookup Service (ALS) routes payments to the correnct service/provider in the ecosystem.

The Central Ledger is composed of services to facilitate clearing and settlement of transfers between DFSPs.

The Central Settlements service manages settlements between FSPs and the Central Hub.

Experts on Mojaloop

Our Payment Solutions team has a unique makeup. With deep roots in finserv, mobile money, and development and delivery of flexible microservices, we partnered with other industry leaders in the creation of Mojaloop. Together, we are supporting efforts to extend financial inclusion to the world’s poor.

We offer

Open source support

The Mojaloop code is open source. We also offer an open source software development kit (SDK) and an open source Connection Manager to assist organizations in deploying Mojaloop.

Mojaloop implementation

  • Expert services to set up your instance
  • Cloud hosted & managed deployment options
  • Guidance to leverage Mojaloop for credit unions and community banks
  • Global consulting for FIs, government regulators, system integrators, and more
  • Training and educational workshops
  • Mojaloop Partner Program

Mojaloop management

  • Early patch and fix access
  • Subscription only training and courses
  • Specialized production support contracts
  • Proxy participation in the open source community
  • Community support at

Interested in Mojaloop? Get in touch.

Not finding what you’re looking for? View our other payment solutions

Payment Manager >
Building Real-time Payment Networks >
PortX Integration Products >
Digital Transformation >