AfriMoMo Congo

AfriMoMo Congo · Creators of SerdiPay

Digital paymentsthat reach every cornerof the DRC

SerdiPay connects banks, mobile money networks, and institutions on one secure bridge - so salaries, aid, and payments arrive in seconds, even where no bank has ever opened a branch.

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

Why we exist

Most of the DRC is unbanked. Its phones are not.

In a country nearly the size of Western Europe, banking infrastructure ends at the edge of a few cities. Millions of people earn, save, and pay entirely in cash - while a simple mobile connection reaches almost everyone. AfriMoMo builds the software that turns that connection into financial access.

Works on any phone

SerdiPay's USSD service (*4111#) runs without internet or a smartphone, turning a basic handset into a secure financial gateway.

No branch required

Digital rails connect the most remote provinces instantly - no buildings, no travel, no waiting.

A first step into the formal economy

For unbanked communities, it is often the first secure access to digital payments, savings, and the formal financial ecosystem.

The product

One secure bridge between banks and mobile money

Banks, cooperatives, and mobile money wallets in the DRC grew up as separate islands. SerdiPay unifies them into a single interoperable network - transfers flow both ways, in real time.

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 infrastructure 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
  • IMF CREDIT YA MPA
  • Cooperative LA COLOMBE
  • COOPEC AKIBA YETU
  • CCM-COOPEC
  • COOPEC BONNE MOISSON
  • COOPEC MEILLEUR SEMEUR
  • COOPEC COODEFI
  • MECRE BUNIA
  • COOCEC KIVU

About

Not a bank. The technology behind them.

AfriMoMo Congo SARLU is a specialized financial technology and software provider, founded in 2024 in Kinshasa. We build the inclusive, interoperable digital infrastructure that bridges financial institutions, enterprises, and the public sector - the engine of a digital Congolese economy every citizen can access.

Contact

Let's build the rails together

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

AfriMoMo Congo SARLU - Technology Provider