AfriMoMo Congo

AfriMoMo Congo · Technology & payments · Creators of SerdiPay

We connect the systemsthat move moneyin the DRC

AfriMoMo is a technology company with strong payment expertise. Our team has spent years integrating banks, telecoms, and payment systems - and built SerdiPay, our fintech platform, on that experience. API-agnostic by design, we make different systems work as one.

Partner with us See our platform
transaction success rate
>98%
of the population reachable by USSD
>85%
partners across the DRC
>100
to connect your organization
48-72h

The ecosystem

We know the DRC's payment ecosystem from the inside

Banks, telecom mobile money networks, cooperatives, and public utilities in the DRC each run on their own systems, their own APIs, and their own settlement rules. Making them work together takes more than software - it takes a team that has operated inside this ecosystem. That is where AfriMoMo starts.

Banks & financial institutions

We have integrated core banking systems, microfinance institutions, and cooperatives - and we understand the settlement, compliance, and reporting realities behind every connection.

Telecoms & mobile money

Mobile money reaches where banks do not. We work directly with the telecom operators' payment platforms, including USSD channels that run without internet on any phone.

Local challenges, local answers

Unreliable connectivity, cash-heavy economies, remote provinces: we design for the real constraints of the DRC, because our team lives and builds here.

What we do

A team built for payments, APIs, and system integration

AfriMoMo designs, builds, and integrates payment technology. Whatever systems you run - core banking, mobile money, ERP, or national infrastructure - our team can connect them and make them interoperate.

API-agnostic by design

Modern or legacy, documented or not: we adapt to the interfaces that exist and build the layers that make different systems talk to each other.

Banks, telecoms & payment systems

Our engineers have connected banks, telecom mobile money platforms, and payment systems across the DRC - end to end, from API design to settlement and reconciliation.

Technology implementers

We do not just operate services - we architect, build, deploy, and maintain the platforms themselves, the way we built SerdiPay from the ground up.

Our platform

SerdiPay: our fintech platform, in production

SerdiPay is the payment platform AfriMoMo built and operates. It bridges banks, cooperatives, and mobile money wallets in the DRC into one interoperable network - and it is the clearest proof of what our team can implement.

USSD access, no internet

*4111#

Dial *4111# on any phone. That alone puts SerdiPay within reach of more than 85% of the population.

Real-time visibility

Live transaction monitoring, analytics, and reporting for institutions - on web, mobile, or straight through the API.

Integration in days, not months

48-72h

Connect your systems in 48 to 72 hours with tailored APIs, including integration with existing ERP platforms.

Private by design

Zero PIN codes ever stored on AfriMoMo infrastructure - validation happens exclusively at the network operator level.

Solutions

Built for the people who move money in the DRC

NGOs & development partners

Deliver aid, not overhead.

Distribute subsidies and cash transfers straight to beneficiaries' phones - with real-time tracking that gives donors full transparency, even in the most remote provinces.

  • Bulk salary, allowance & subsidy payouts
  • Real-time tracking across remote provinces

Cooperatives & microfinance institutions

Modernize without rebuilding.

Digitize operations on AfriMoMo's scalable backbone and bring your members into the formal economy - 11 key institutions already have.

  • Digital operations on a scalable backbone
  • A bridge from members' savings to the formal economy

Businesses & public institutions

Get paid in seconds, at any distance.

Collect utility bills, tuition fees, and subscriptions digitally, run mass payouts, and plug it all into the systems you already use.

  • C2B collection with an instant payment gateway
  • B2C mass payouts and ERP-ready APIs

Talk to us about your use case

Infrastructure

Built like national infrastructure - because it is

>98%

transaction success rate

Engineered for high-volume routing and rapid deployment in the DRC's most demanding environments.

Security

A strict zero-PIN-storage policy: our infrastructure is a secure pass-through, with validation handled exclusively by the core network operators.

Reliability

Real-time replication across multiple secure servers, with immediate failover. Zero transaction loss, constant availability.

Reach

More than 100 partners spanning major economic hubs and remote provinces across the territory.

  • Kinshasa
  • Goma
  • Bukavu
  • Lubumbashi
  • Kisangani
Presence across the DRC
Kisangani Bunia Kananga Kalemie Mbanza-Ngungu Kinshasa Goma Bukavu Lubumbashi
  • Strategic hubs
  • Active digital deployment
  • Research perimeters

Our field network of cooperatives, MFIs, and NGOs feeds a proprietary database of real usage data - research that development partners and policymakers use to target humanitarian programs where they matter most.

The network

Trusted where it matters most

From global humanitarian organizations to grassroots cooperatives, AfriMoMo's technology runs behind partners working in the DRC's hardest-to-reach places.

Humanitarian & development partners

  • War Child
  • JRS Jesuit Refugee Service
  • HEKS EPER
  • TPO Transcultural Psychosocial Organization DRC
  • LifeNet International
  • Croix-Rouge Bukavu
  • Tearfund
  • AHIDEV
  • LAGROBUSCONGO
  • SIWA Asbl
  • INTERSOS
  • COSAMED
  • SARCAF
  • Laboratoire la référence de Goma
  • HGR Charité Maternelle

Cooperatives & microfinance institutions

  • PAIDEK
  • CAMEC Mbanza Ngungu
  • CAMEC Inkisi
  • COOPEC AKIBA YETU
  • COOPEC BONNE MOISSON
  • COOPEC COODEFI
  • COOPEC BAGIRA
  • COOPEC MKONO MKONONI
  • MECRE BUNIA
  • IMF CREDIT YA MPA
  • Cooperative LA COLOMBE
  • CCM-COOPEC
  • COOPEC MEILLEUR SEMEUR
  • COOCEC KIVU

About

A technology company with payments at its core

AfriMoMo Congo is a technology and payments company founded in 2024 in Kinshasa. Our team brings years of experience in payments, APIs, and system integration - the expertise behind SerdiPay, our fintech platform, and behind every bank, telecom, and payment system we connect across the DRC. We are not a bank: we build the technology that makes them interoperable.

Interoperability

Strong alignment with Mojaloop

We understand the payment ecosystem in the DRC, we understand APIs and integration, and we have the team to implement interoperability solutions. That is why we see a strong alignment with Mojaloop - and why we want to be part of the community and explore how we can work together.

  1. Join the community

    Contribute our knowledge of the DRC's payment ecosystem and our hands-on integration experience to the Mojaloop community.

  2. Implement in the DRC

    Put our team to work on real interoperability deployments, starting where we know the terrain best.

  3. Grow across French-speaking markets

    Carry what works in the DRC to other French-speaking African markets.

Let's explore working together

Contact

Let's build the rails together

Tell us what you need to move - salaries, aid, or payments. We'll handle the technology.

AfriMoMo Congo - Technology Company