About Ultraner
Visa for mobile money across Africa.
Who we are
Ultraner is a United States company, headquartered in San Francisco, California.
Ultraner takes part in the Bank of Tanzania FinTech Regulatory Sandbox. Money moves through licensed local partners in each live market (mobile network operators, payment service providers and banks), so funds are always handled by a regulated institution. The current partner roster is on how it works.
Registration details
- Company
- Ultraner, a US company, converting to Ultraner, Inc., a Delaware C corporation
- Headquarters
- San Francisco, California, United States
- Registered in Tanzania
- Hernatter Limited (subsidiary, local operations)
How it started
Ultraner began as code in a San Francisco apartment in October 2025, written by its founder, Grack Harxat.
Ultraner started out connecting travellers with local experiences, then helped local businesses get paid, and in each version the hard part was the money moving. A closed door at one of Tanzania's largest payment gateways settled the question: anyone on earth can pay with Visa, because Visa gave banks a way to interoperate. Mobile money never got that network. Ultraner is building it.
Our approach
We're building this in three stages. Phase 1, live now, is one API that reaches every major mobile money network we've connected to, starting in East Africa. Phase 2, in progress, is direct interoperability between networks and countries. Phase 3, the destination, is becoming the rail mobile money networks, fintechs, and banks plug into to transact with each other directly, the way Visa and Mastercard became that rail for banks.