Platform
The orchestration layer for cross-border payments
A unified orchestration and settlement layer connecting banks, payment service providers, remittance companies, fintechs, mobile money operators, and emerging digital asset networks.
Payment orchestration
Central state machine for every transaction. Idempotent creation, status tracking, webhook delivery, and cancellation before collection.
Compliance & risk
Sanctions screening on every payment. AML transaction monitoring, fraud rules, and immutable audit logging.
Routing engine
Selects optimal send and receive rails based on corridor, amount, partner entitlements, and rail availability.
Ledger & reconciliation
Strict double-entry journal. Immutable entries with reversal-based corrections. Daily reconciliation.
Treasury & settlement
Prefunded liquidity on the receive side. TZS payouts from partner-held float. CAD collection on T+0 to T+1.
Rail adapters
Bounded contexts for each external system — Canadian PSP, Tanzania mobile money, bank payout.
What we build
One platform, many rails
Launch and scale cross-border payment services without rebuilding infrastructure from scratch.
- Payment orchestration and routing
- Cross-border settlement infrastructure
- Bank and mobile money integrations
- Real-time transaction processing
- Developer APIs and sandbox environments
- Compliance, KYC, and transaction monitoring tools
- Future-ready stablecoin and digital asset connectivity
Why Moja Switch
Built for integrators
Compliance-first architecture, developer-friendly APIs, and deep expertise in payments across emerging and global markets.
Built for emerging and global markets
Designed for scale and interoperability
Compliance-first architecture
Developer-friendly APIs
Secure, resilient, cloud-native infrastructure
Deep expertise in payments, fintech, and international markets
Reliability
Built for production money movement
Idempotency
Idempotency-Key header on all payment creation
Webhooks
Signed outbound callbacks on every state change
Reconciliation
Automated daily match with exception handling
Audit trail
7+ year retention, immutable event log
See the platform in action
At Moja Switch, we are not just building another payment platform. We are building the infrastructure layer that will power the future of global payments.