Africa's digital banking platform
Banking infrastructure built for African realities.
Cashlinq is a composable digital banking and payments platform. Deploy modules individually or in full, integrate through standard APIs, and go to market early, without the huge initial CAPEX.
Banks · Neo-banks · MFIs · MNOs · Remittance companies · Lenders · FinTechs
Who it's for
The platform of choice for African finance
From licensed banks to founders with a big idea, Cashlinq carries banking and payments businesses of every shape.
Financial institutions
Host mobile wallets and savings, current and loan accounts, cutting licensing costs while boosting transaction performance.
Mobile network operators
Operate second-generation mobile wallets uniquely designed to deliver real value to subscribers.
Digital-only banks
Purpose-built for the new branchless, digital-only challenger banks.
FinTechs
Transform lending, wealth, remittances, payments and savings with emerging technology on proven rails.
Open banking & BaaS
Established banks offer Banking as a Service through APIs and capture more value with fintech partners.
Non-financial companies
Hotels, insurers, airlines and retailers add financial services and loyalty value under their own brand.
The platform
Compose the bank you need
Cashlinq platform modules deploy individually, partly or in full, each integrating with your existing systems through standard APIs and protocols.
Bank
Hold accounts, run products, keep a provably correct ledger.
Move money
Payments, remittances and foreign exchange on every rail.
Reach customers
Apps, agents and channels that meet people where they are.
Instant payments
Rich instant payments, on every channel
Everything customers expect from a modern wallet, plus the purpose-driven payments African business actually runs on.
- Send money : to peers, in seconds
- Receive money : from registered and unregistered users
- Bill payments : utilities, airtime and more
- Agent services : full agency banking on every channel
- SME invoicing : request your payment with an invoice
- Remittances : send and receive with various agents
- Statements : detailed statements and analytics
- QR payments : easy, fast payments at the till
- Purpose-driven payments : contract farming, travel and subsistence, project payments and more African business cases
Why Cashlinq
Built by people who've run bank software at scale
Twenty-five deliberate reasons institutions choose Cashlinq. Here are four.
Provably correct
Precision calculations, built-in auto-reconciliation and full maker-checker auditing.
Sub-second fast
Engineered for high-volume, real-time transactions on autoscaling Kubernetes workloads.
Composable & open
Deploy modules individually or in full; integrate anything through ISO-standard APIs.
Made for Africa
Dataful payments, multi-currency and the business cases African markets actually run on.
Engagement models
You don't need to break a Bank to start a Bank!
License the platform, share revenue, or bring Cashlinq in as a partner. Three commercial models sized to where your business is today.
See pricing modelsReady to see Cashlinq?
Tell us about your market and your goals, and we'll show you the modules that get you there without the huge initial CAPEX.