The interoperability layer for payment networks
Africa's payment networks don't talk to each other.We're changing that.
Ultraner Network connects mobile money operators, banks, fintechs and payment providers through one interoperable network. Connect once. Reach everywhere.
Built for mobile money, banks, fintechs and the payment infrastructure powering Africa.
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The Ultraner Network
One Connection. Many Networks.
Your network shouldn't need a connection to every other network.
Today, moving money across countries often means dealing with different APIs, providers, currencies, rules and settlement systems. Ultraner Network gives payment networks a common way to connect, route and settle transactions across borders.
One network connection can open access to the rest of the network.
Interoperability
Connect once, reach many across borders and networks.
Security & Compliance
Signed requests, replay protection and idempotency on every call.
Real-Time Settlement
Obligations created with the payment, not by a later job.
Global Reach
From local mobile money to global payment networks.
Intelligent Routing
Availability, liquidity, fees, FX, limits, risk and reliability.
FX & Multi-Currency
Rates locked before authorization. No silent repricing.
The Network
Everyone connects to Ultraner. Everyone becomes reachable.
Ultraner Network sits between payment networks, giving them a common protocol for communicating, transacting and settling with each other.
See How It WorksMobile Money Operators
Wallet operators
National mobile money
Regional networks
Banks
Commercial banks
Digital banks
Financial institutions
Fintechs & PSPs
Fintech platforms
Payment providers
Wallets
Global Payment Networks
Card networks
Global wallets
Cross-border rails
Ultraner
Network
Risk · Settlement · Reconciliation
How the Network works
One protocol. One connection. Global reach.
- 01
Connect
Connect your mobile money network, bank, fintech or payment system to the Network.
- 02
Discover
The directory identifies where a payment address can be reached and what it supports.
- 03
Quote
The destination amount, FX rate, fees and route are fixed before anything is committed.
- 04
Route
The routing engine selects a path on availability, liquidity, fees, FX, limits, compliance, risk and reliability.
- 05
Move
The payment is authorized and executed through the destination participant connector.
- 06
Settle
Every accepted payment creates a settlement obligation, reconciled through the Network.
More than a network
Built for the future of payments.
Ultraner Network is the infrastructure layer that makes payment networks work together, securely and at scale.
Network protocol
versioned
Rail connectors
built
Certification tests
every participant passes
Isolated worlds
sandbox and live
Health monitoring
automated
The Network is pre-launch. No participants are connected yet, and we would rather tell you that than invent a number.
One Protocol. Endless Possibilities.
Whether you're a mobile money operator, bank, fintech, PSP or global payment network, Ultraner Network gives you the reach, reliability and infrastructure to grow.
Explore the ProtocolA network needs an address
Every payment starts with knowing where the money should go.
A phone number can become a Network address. The Network resolves it to the right identity, country, currency and available rails, so participants don't have to understand every destination network. They simply ask the Network where the address is.
+255 741 434 313
Intelligent routing
Let the Network find the best way there.
Payments shouldn't depend on hardcoded provider logic. Routes are evaluated on availability, liquidity, fees, FX, limits, compliance, risk, reliability and speed.
The Network chooses the route. Not the merchant, not the developer, and not a hardcoded if statement.
Cross-border money
Different currencies. One network.
A payment can start in one currency and arrive in another. Before authorization, a participant knows what the sender pays, what the recipient receives, the exchange rate, the fees and how long the quote is valid.
The rate is locked before authorization. No silent repricing.
Settlement
Moving money is only half the problem.
A payment network also needs to know who owes whom. Every accepted transaction creates a settlement obligation, tracked through settlement windows, net positions and a double-entry ledger, and reconciled against each participant's own records.
A window only settles once the ledger agrees with it.
The network effect
Every new participant makes the Network more useful.
Bilateral integration does not scale. Connecting every network to every other network grows faster than anyone can build, which is why almost nobody does it, and why trade stays boxed in by borders that have nothing to do with where the money is needed.
Or one connection each, to a network that handles the rest.
Ready to join?
Bring your network to the Network.
Connect to a growing ecosystem of payment networks, expand your reach and unlock new opportunities. Your systems stay yours; the Network gives them another way to connect.
Connect
Integrate with our network
Test
Try it in our sandbox
Certify
Run compliance and certification
Go live
Get production access
Monitor
Track performance and settlement