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Payments

We build the rails, and the tools that keep them running.

Payments is where we go deepest. We design and build instant payment systems, help institutions connect to them, and build our own software for the problems we kept meeting on the way: screening instant payments, and giving smaller institutions a modern core.

MulisaMsingi
Expertise

From the switch to the branch.

Rails

Instant payment systems

Scheme design, Mojaloop deployment, ISO 20022 messaging and conformance testing for national and regional switches.
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Participants

Onboarding to national rails

Helping banks, mobile money operators, MFIs and fintechs integrate, certify and go live on the switch.
Banking

Core banking and open APIs

Core-banking migration and PSD2 open-banking APIs, experience our CEO built inside a European bank before founding Jengacore.
Compliance

Financial crime prevention

AML/CFT screening, sanctions, fraud typologies and case management designed for instant payments.
Learn more →
Inclusion

Channels that reach everyone

USSD for feature phones, agent cash-in and cash-out, and bulk transfers, built so no participant is left behind.
Security

Operated securely

An operating ISMS, an in-house ISO 27001 implementer, and on-premise deployment when data must stay in-country.
Product · Mulisa

Instant payments deserve instant defences.

Live

Mulisa is our real-time transaction monitoring platform for AML/CFT and fraud. Everyone screens their customers; very few screen the network. Mulisa watches the payments themselves, as they happen, on the rails where money now moves in seconds.

It is live software, not a roadmap. The full screening pipeline, case management, reporting workflow and audit trail work today, and we demonstrate them live.

How Mulisa screens a payment Flowchart: a Mojaloop transfer or ISO 20022 pacs.008 payment continues on the rail while a copy is sent by API to Mulisa, which checks behavioural context, sanctions and blacklists, rules and typologies including a network graph, and an optional beta machine-learning signal, then returns an advisory decision, cleared or flagged to a case, to the institution, which decides what happens; Mulisa never blocks the payment. MULISA · SCREENING CONTINUES PAYMENT RAIL · NEVER HELD BY MULISA VIA API ADVISORY ADVISORY Payment arrives MOJALOOP TRANSFER ISO 20022 PACS.008 01 Behavioural context own history 02 Sanctions & blacklists OFAC · UN · EU · UK 03 Rules & typologies incl. network graph BETA ML signal optional · fails open Decision cleared or flagged, with reasons Cleared no case opened Flagged → case SLA · STR draft audit trail Your institution decides acts on its own policy Advisory only: the institution decides. Mulisa never blocks the payment. LEGEND Focal Screening step Optional (beta) Input API call
How Mulisa screens a payment Flowchart: a Mojaloop transfer or ISO 20022 pacs.008 payment continues on the rail while a copy is sent by API to Mulisa, which checks behavioural context, sanctions and blacklists, rules and typologies including a network graph, and an optional beta machine-learning signal, then returns an advisory decision, cleared or flagged to a case, to the institution, which decides what happens; Mulisa never blocks the payment. MULISA · SCREENING CONTINUES PAYMENT RAIL · NEVER HELD BY MULISA VIA API ADVISORY ADVISORY Payment arrives MOJALOOP TRANSFER ISO 20022 PACS.008 01 Behavioural context own history 02 Sanctions & blacklists OFAC · UN · EU · UK 03 Rules & typologies incl. network graph BETA ML signal optional · fails open Decision cleared or flagged, with reasons Cleared no case opened Flagged → case SLA · STR draft audit trail Your institution decides acts on its own policy Advisory only: the institution decides. Mulisa never blocks the payment. LEGEND Focal Screening step Optional (beta) Input API call

Every payment, five checks

  1. 01

    Behavioural context

    Each payment is compared with the customer's own history: amounts, frequency, counterparties, time of day.
  2. 02

    Sanctions and blacklists

    Fuzzy matching against OFAC, UN, EU and UK lists, with automatic rescreening when a list changes.
  3. 03

    Rules and typologies

    No-code detection rules combined into typologies, plus a network graph that finds fan-in, fan-out, pass-through and cycles across several hops.
  4. 04

    Advisory machine-learning signal

    A risk score that complements the rules. This layer is in beta, and fails open so it can never hold up a payment.
  5. 05

    Decision and case

    Cleared or flagged, with the reasons. Flagged payments open a case with SLAs, a suspicious-transaction report draft and an immutable audit trail.

Built for the rail

Never blocks a payment

Mulisa returns an advisory decision. Your institution stays in control of what happens next.

Native to instant rails

Screens Mojaloop transfers and ISO 20022 pacs.008 messages directly, through an API-only design.

Runs where you need it

On-premise on Kubernetes with PostgreSQL and Redis, so transaction data can stay in-country.

Built for compliance teams

Maker-checker approvals, SSO and role-based access, a sandbox, test and live separation, signed webhooks and an OpenAPI 3.1 contract.

Request a demoaml.jengacore.com
Product · Msingi

A modern core for the institutions closest to people.

Pre-production · open to pilots

Msingi, “foundation” in Swahili, is a modular core banking platform for SACCOs, microfinance institutions and banks. It covers the full core banking surface on an open-source ledger, with the modules smaller institutions need to join the digital economy.

Msingi is a working platform, in pre-production. It has not yet been deployed in production inside a financial institution, and we are looking for pilot partners.

Modules

  • Core ledger
  • eKYC
  • Credit scoring
  • AML monitoring
  • USSD banking
  • Switch interoperability

For the institution

A staff portal for tellers, loan officers and managers, and a platform console to run several institutions from one deployment.

For members and customers

An offline-first mobile app and USSD menus, so members without a smartphone or a stable connection are still served.

For merchants

A merchant terminal to accept payments from members and from the national rail.
Become a pilot partner

Working on payments?

Tell us about your rail, your institution or your compliance challenge. We will be straight about what we can do.

Get in touch
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