UNIPHI gives banks, fintechs, telcos, payment providers and digital businesses the platform layer to launch digital banking, wallets, payments, lending, cards, remittances, agency networks and embedded finance without rebuilding the stack for every product or market.
Financial institutions should not need a different technology stack for every product, channel or market. UNIPHI brings customer experiences, transaction processing, product rules, financial controls, integration services and operational intelligence into a modular platform that can be deployed independently or as an integrated suite.
Modern retail, SME and corporate banking journeys across mobile and web — connected to your existing core.
Consumer, merchant, agent and enterprise wallets with payments, cash-in/out, QR, bill pay and ecosystem services.
Merchant acceptance, payment gateway, switching, routing, settlement and multi-rail orchestration.
Origination, decisioning, servicing, collections and embedded credit for retail, SME and merchant use cases.
Last-mile financial access with agent onboarding, liquidity, commissions, monitoring and assisted services.
Virtual, prepaid and debit-card programme orchestration integrated with issuer processors and programme partners.
Domestic and cross-border transfer orchestration, corridor management, FX, payout and partner integrations.
Automated matching, exception workflows, settlement control, fee/commission logic and financial reporting.
Different institutions need different operating models. The same UNIPHI foundation
can be configured around the regulatory, channel, integration and commercial realities
of each business.
Build secure, always-on digital banking experiences with a unified fintech infrastructure designed to scale.
Go from product concept to regulated-market infrastructure with modular APIs and ready financial components.
Turn subscriber reach into mobile money, agency, merchant payments, credit and SuperApp ecosystems.
Orchestrate merchant acceptance, routing, switching, settlement and reconciliation across payment partners.
Digitize corridors, FX, compliance workflows, sender journeys and payout networks.
Digitize credit, field collections, wallet disbursements and alternative-data decisioning.
Power social disbursement, public collections, citizen wallets and auditable financial inclusion programmes.
Embed wallets, payouts, payments, cards and credit directly into marketplaces and digital ecosystems.
Different institutions need different operating models. The same UNIPHI foundation can be configured around the regulatory,
channel, integration and commercial realities of each business.
Expose financial capabilities through governed APIs, webhooks and integration
Integrate with existing core banking, payment, telecom, identity and enterprise systems.
Deploy one module, combine several, or build an end-to-end digital finance stack.
Configure currencies, languages, limits, fees, roles, product rules and local integrations by market.
Support mobile, web, assisted channels, POS and low-bandwidth journeys where required.
Support cloud, private cloud, hybrid or on-premises architectures according to data-residency and operating requirements.
AI should not be decorative. UNIPHI applies data and decisioning where it can improve outcomes: onboarding, fraud risk, credit decisioning, liquidity planning, customer engagement, collections and operational exception management. Models and automation should remain explainable, governed and configurable for the institution’s policy environment.
Role-based access, maker-checker controls, device controls and configurable authentication.
Limits, velocity rules, risk checks, approval workflows and traceable exceptions.
Double-entry accounting principles, reconciliation controls and settlement auditability.
Encryption, secrets/key management integration, secure APIs, logging and controlled deployment practices.
eKYC, AML/CFT, sanctions, PEP and regulatory-reporting integrations according to market requirements.
End-to-end activity logs, transaction history, administrative trails and operational evidence.
Map the business model, regulatory environment, current systems, channels and target economics.
Select modules, define product rules, workflows, roles, limits, fees, branding and operating model.
Connect core banking, payment rails, identity, cards, telecom, external services and reporting systems.
Security, performance, reconciliation, UAT and operational readiness.
Controlled production rollout, monitoring, support and operational governance.
Add products, corridors, partners, customer segments and markets without rebuilding the platform.
The platform is built around banking, payments, ledger, risk, reconciliation and operational realities — not generic software services.
Reduce dependence on disconnected point solutions by bringing core digital-finance capabilities into one extensible stack.
Support agent networks, low-bandwidth channels, local payment rails, multi-party settlement and emerging-market operating models.
Modernize experiences and launch new products while preserving existing core investments.
Configure product rules, integrations and user experiences around your institution rather than adapting your business to a rigid product.
Add new rails, partners, products and channels through modular services and APIs.
A unified, API-first fintech architecture powering cross-border, multi-channel digital finance.
One unified fintech infrastructure connecting identity, wallets, payments, and financial services under a single platform.
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Seamlessly connected to banks, telcos, payment switches, MTOs, and national digital systems across Africa & the Middle East.
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Connect people interested in buying, selling, and renting properties. Helping IT sector to make safer, more
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An API-first, modular, cloud-native platform enabling rapid deployment, customization and scaling of fintech solutions.
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Enterprise-grade uptime, secure architecture, PCI - DSS compliance, GDPR, and population-scale reliability.
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Mobile-first, low-bandwidth friendly, agent-enabled — built to serve every user segment across emerging and high-growth markets.
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Built to support national digital ecosystems with secure, self-reliant and locally adaptable platforms.
Built to handle large populations and transaction volumes typical of emerging and high-growth markets.
Compliance-ready for Africa & MENA with built-in data residency and data-sovereignty controls. Enables faster regulatory approvals and seamless multi-country deployment.
Launch digital banking, wallets or payments services in weeks - fast-track entry to booming markets.
A unified fintech backbone that consolidates wallets, payments, KYC, cards, and banking rails into one modular stack—accelerating launches, simplifying operations, and enabling multi-country expansion.
Seamlessly supports payments, remittances, wallets, FX and banking across countries - Enabling traders, diaspora flows and regional commerce.
Powerful digital solutions designed to help institutions modernize rapidly and
launch secure, scalable financial services across Emerging Markets.
Digitize and streamline financial operations with modern, API-driven services tailored for emerging and high-growth markets.
Accelerate your move to digital-first financial experiences with ready-made, modular components for fast modernization.
Deploy seamless payment experiences for customers, merchants, and partners - across mobile money, cards, instant rails and wallets.
Operate on secure, scalable platforms purpose-built for identity, payments, wallets, remittances and multi-rail interoperability.
Automate high-volume financial processes - Reconciliation, Compliance, Onboarding - using intelligent, rule-based and ML-ready systems.
Leverage our expertise in digital finance, integrations and regulatory ecosystems to execute national-scale and enterprise transformation.
Infrastructure built for speed, compliance and multi-market scalability.
Bring us your business model, current architecture and target market. We will show how the UNIPHI stack can be assembled around your priorities.
