Umoja Pay App:
Simple, Secure, Everywhere

One Tap to Send, Pay & Cash In/Out

Experience cross-border payments like never before—no crypto jargon, no branches.

With Umoja Pay, you’ll be up and running in seconds, whether you’re sending money to family, topping up airtime, or cashing out at a village kiosk.

Ready to power your money?

Explore the full suite →

What Makes Umoja Pay Different?

Intuitive Design

You don’t need a crypto background, our clean, guided flow walks you through setup, backup, and your first 1 UMC send in under 60 seconds.

Local Cash-In/Out

Tap “Cash In,” choose your country, and visit any Umoja Agent kiosk. Walk away with UMC credited instantly, or turn UMC into local currency on the spot.

Instant Wallet-to-Wallet

Whether it’s your phonebook contacts or a QR scan, transfers settle in seconds. No network delays, no hidden fees.

Built-in Security

PIN, biometrics, and optional 2FA guard your funds—protected on Polygon’s secure network and backed by multi-audited smart contracts.

Offline Mode

Poor signal? Pre-authorize transactions offline and sync automatically once you’re back online.

Join the Umoja Pay Waiting List

Be one of the first 100,000

Sign up now and lock in your spot—when the app launches you’ll get 10 UMC preloaded in your wallet to start
transacting immediately.

Build with Umoja

For Talent & Professionals

Have the skills, passion, and drive to transform cross-border payments? Join our team, help design, build, and scale solutions that empower millions.

Partner with Umoja

Institutions

Looking to power borderless payments at scale? Become an Umoja partner or investor, integrate our rails, onboard your network, and drive financial inclusion together.

Umoja Pay App: Simple, Secure, Everywhere