Build, launch, and scale financial products across Africa

Tembo provides secure APIs, compliant local rails, bank partnerships, and mobile money integrations that help fintechs, platforms, merchants, and enterprises collect, store, and move money reliably across African markets.

Customers and partners

Regulated infrastructure, built with deep local market expertise

One partner. One API. Local payment rails across Africa.

Build on top of direct bank integrations, mobile money rails, programmable accounts, and compliance workflows designed for African commerce.

01

Wallets & Bank Accounts

Launch customer wallets and programmable bank accounts with regulated partner banks, local money movement, and secure fund storage.

02

Payment Collections

Collect customer deposits, invoice payments, marketplace funds, and recurring payments across bank and mobile money channels through a single API and dashboard.

03

Payouts & Disbursements

Automate supplier payments, payroll, loan disbursements, agent commissions, and customer withdrawals to bank accounts and mobile money wallets.

04

Virtual Accounts

Generate unique account numbers for users, businesses, or transactions so collections are traceable, reconciled, and visible in real time.

05

Cross-Border Payments

Connect local payment rails to regional and international settlement workflows for importers, platforms, and companies operating across markets.

06

Remittance Termination

Help remittance partners deliver funds directly into local bank accounts and mobile money wallets with compliant last-mile payout coverage.

Infrastructure that is practical to integrate and ready to scale

Clear visibility across accounts, beneficiaries, and payouts

Hard-to-build local infrastructure, packaged for modern fintech teams

Direct local rails

Integrations with telcos, mobile money providers, and commercial banks across target markets.

Regulatory depth

Country-specific licensing, approvals, and compliance frameworks built into the operating model.

Bank-grade reliability

Partnerships and operational experience across leading African banks and financial institutions.

Faster product launches

Embedded APIs, dashboards, and reporting help teams ship without years of local integrations.

For businesses moving money into, within, and across Africa

Fintech platforms, Importers and suppliers, Remittance providers, Lenders and marketplaces, SMEs and enterprise finance teams, Payment service providers.