INFITX

What INFITX does

INFITX is a Mauritius-headquartered (with operational presence in Mercer Island, United States) private fintech that builds and supports Inclusive Instant Payment Systems (IIPS) and real-time payment (RTP) infrastructure based on Mojaloop, the open-source software for interoperable payment networks that INFITX helps maintain as a founding community member. The company serves government agencies, central banks, monetary authorities, hub/scheme operators, financial service providers, fintechs, and system integrators in Africa and Southeast Asia, with active deployments and projects in Tanzania, Myanmar, Rwanda, The Gambia, and the 21-state COMESA region. Core offerings include end-to-end capacity building (scheme and governance design, infrastructure deployment, system architecture), cloud-hosted and managed Mojaloop solutions, structured training programs (MOJA101, HUB101, DFSP101, MOJA103), and proprietary tooling such as the INFITX Workbench/Lab, Mojaloop Infrastructure as Code for AWS and on-premises, the Mojaloop Testing Toolkit, and zero-touch Kubernetes networking via NetBird.

The company's business model is anchored in project-based professional services and managed/hosted deployments, with revenue generated through capacity-building engagements ranging from light-touch advisory to intensive implementation packages, plus training delivery and ongoing technical partnership with hub operators. INFITX monetizes its community leadership position through consulting and implementation work for new IIPS schemes, WynePay (the Myanmar interoperable payment switch co-developed with ThitsaWorks and UNCDF), and cross-border platforms such as the COMESA Cross-Border Digital Retail Payments Platform. Pricing is not publicly disclosed and is negotiated per engagement; go-to-market combines direct enterprise sales to governments and central banks with community-led demand generation via Mojaloop Foundation working groups, design authority contributions, and partnerships with development organizations (UNCDF, USAID, Bill & Melinda Gates Foundation, AfricaNenda, Visa). The leadership team includes Dr. Warren D. Carew (Managing Director & CEO, M-PESA launch team alumnus), and the company achieved ISO/IEC 27001:2022 ISMS certification in June 2026.

Name

INFITX

Legal name

INFITX Africa

Website

https://infitx.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

INFITX is a Mauritius-based fintech and founding Mojaloop community member that builds and supports Inclusive Instant Payment Systems and real-time payment infrastructure for central banks, governments, hub operators, and financial institutions across Africa and Southeast Asia.

Ownership category

akta.pro rank

Product category

Real-Time Payment Solutions

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computer Systems Design and Related Services (54151)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Services-Computer Integrated Systems Design (7373)

akta.pro primary industry

Payment Orchestration Platforms (FSAGABAA)

Keywords

• Real-time payment solutions
• Mojaloop integration services
• Payment system consulting
• Financial inclusion technology
• Payment scheme advisory

Headquarters

HQ city

Mercer Island

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Capacity Building and Professional Services: INFITX offers structured capacity building engagements for organizations building IIPS and RTP solutions. Services range from light-touch advisory to intensive packages, covering scheme and governance design, infrastructure design deployment and support, and system architecture and build/validation. Revenue is generated through project-based professional services engagements.
2. Hosted Solutions: Cloud-based hosting and managed services for Mojaloop deployments, enabling organizations to adopt open-source payment infrastructure without self-hosting. These are packaged, readily deployable services for scheme operators and hub participants.
3. Mojaloop Training Programs: Structured training offerings including MOJA101, HUB101, DFSP101, and MOJA103, plus pre-program workshops on Mojaloop, IIPS, payments, regulatory alignment, scheme setup, and IAC/Infra knowledge transfer. Revenue generated through training delivery engagements.

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

INFITX provides Inclusive Instant Payment System (IIPS) scheme-building expertise, capacity building services, and hosted or managed Mojaloop open-source real-time payment platform deployments for central banks, government agencies, hub operators, and financial service providers. The company also delivers structured Mojaloop training programs, technical assistance, and proprietary tooling (IaC, Testing Toolkit, Workbench / Open Lab) to de-risk open-source payment adoption.

Product overview

INFITX is a Mauritius-based FinTech company offering a comprehensive portfolio of products and services centered on Mojaloop, the open-source real-time interoperable payment network they help maintain as founding community members. The core offering comprises Inclusive Instant Payment System (IIPS) Solutions and full lifecycle Capacity Building Services spanning scheme design, technical implementation, training, and ongoing operations support. Supporting tools include Mojaloop Infrastructure as Code for automated deployment, the Mojaloop Testing Toolkit for integration testing, and SDK Scheme Adapter for DFSP connectivity. The company also delivers specialized services such as Hosted Solutions, Open Lab environments, and FRMS integration for fraud detection. Notable regional initiatives include WynePay in Myanmar and the COMESA Cross-Border Digital Payments Platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Inclusive Instant Payment System (IIPS) Solutions End-to-end solutions for building and supporting inclusive instant payment systems and real-time payment (RTP) solutions, empowering government, industry, and commercial hub operators to adopt open-source software and achieve interoperable payment schemes.
• Capacity Building Services Expert advisory and implementation support for IIPS scheme development including scheme and governance design, infrastructure design deployment, system architecture, and build and validate services, for government, central bank, hub operator and FSP clients.
• Hosted Solutions Cloud-hosted or managed deployment options for organizations that prefer not to self-host Mojaloop infrastructure, including the INFITX Workbench / Lab and hosted Mojaloop environments for scheme operators and DFSPs.
• Mojaloop Training Program Structured training courses covering Mojaloop technical overview (MOJA101), hub operations (HUB101), DFSP participant operations (DFSP101), and deep technical training (MOJA103) for technical contributors, plus payment manager, IaC, and agile delivery modules.
• Open Lab for Mojaloop Hands-on laboratory environment providing developers and interested parties access to experiment with Mojaloop, test integrations, and gain practical experience through workshops, training programs, and guided development environments.
• Technical Assistance Expert technical support for Mojaloop switch implementers, covering understanding Mojaloop, tech operations setup, business operations setup, IaC and infrastructure knowledge transfer, scheme setup, and program implementation work.

Quantifiable outcome

• Tanzania Instant Payment System (TIPS) launched live in February 2022 with Bank of Tanzania engineers trained and facilitated by INFITX.
• +2 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature8 records

Partnerships

14 partnerships are on record, tiered core, major and minor.

• ThitsaWorkscoreStrategic or Co-development Partner · 27 January 2023INFITX and ThitsaWorks formalized an ongoing MoU for the continued support of the WynePay interoperable payments switch in Myanmar. WynePay was developed in partnership with UNCDF and Bill & Melinda Gates Foundation. ThitsaWorks acts as the hub operator, and INFITX provides ongoing technical partnership. The collaboration spans both ASEAN and African markets.
• Mojaloop FoundationcoreStrategic or Co-development PartnerINFITX is one of the founding members of the open-source community that maintains Mojaloop, the first open-source software for building real-time interoperable payment networks. INFITX team members hold leadership positions in the Community Council, Design Authority, and Change Control Board. The company actively contributes to core solution development and adjacent capabilities.
• UNCDF (United Nations Capital Development Fund)coreStrategic or Co-development PartnerINFITX partnered with UNCDF on the Myanmar Microfinance Digitization project, which led to the development of WynePay — an interoperable payment switch for Myanmar's mobile wallets and microfinance institutions. UNCDF provided funding and programmatic support alongside INFITX's technical expertise.
• USAID (U.S. Agency for International Development)majorStrategic or Co-development PartnerThrough USAID's Digital Asia Accelerator initiative and the Digital Connectivity and Cybersecurity Partnership, USAID funded the RSG (Ready, Set, Go) education program component of WynePay. This upskilling program delivers digital and financial literacy training to microfinance institutions and their clients in Myanmar.
• ONOW MyanmarminorStrategic or Co-development PartnerONOW Myanmar partnered with INFITX (via ModusBox) and ThitsaWorks to deliver the Ngwe Oo Yin chatbot — a digital financial education tool — as part of the WynePay RSG training program targeting microfinance clients and MFI staff.
• ModusBoxcoreTechnology or IntegrationINFITX originated from ModusBox. The company and its team members worked on the Mojaloop OSS project first through ModusBox and now as INFITX. ModusBox and INFITX continue to share the Mojaloop community mission. Key founders (Sam Kummary, Miguel de Barros) transitioned from ModusBox to INFITX.
• COMESA (Common Market for Eastern and Southern Africa)coreImplementation/ SI/ Consulting PartnerINFITX was selected to deliver the COMESA Cross-Border Digital Retail Payments Platform project. This is a significant step in developing innovative digital payment solutions to improve cross-border transactions and promote financial inclusion across the 21 COMESA member states. INFITX collaborates with the COMESA DRPP and GISP Bantaba 2.0 programs.
• IIDiAmajorStrategic or Co-development PartnerIIDiA is a strategic partner of INFITX Africa, collaborating on a project developed in response to The Gambia's payment needs. This project welcomed IIDiA and Gamswitch as new contributors to the Mojaloop community's innovation ecosystem.
• Gamswitch (The Gambia)majorImplementation/ SI/ Consulting PartnerGamswitch collaborated with INFITX Africa and IIDiA on an innovation project addressing The Gambia's national payment needs, contributing to the Mojaloop community's solutions for real-time payment infrastructure.
• AfricaNendamajorStrategic or Co-development PartnerAfricaNenda collaborated with the Mojaloop Foundation and INFITX in running the Mojaloop Foundation Accelerator Program – Rwanda in January 2023. AfricaNenda focuses on accelerating instant payment systems adoption in Africa.
• RISA (Rwanda)majorStrategic or Co-development PartnerRISA (Rwanda's national payment system operator) participated alongside AfricaNenda, Mojaloop Foundation, and INFITX in the two-day initiation workshop of the Mojaloop Foundation Accelerator Program in Kigali, Rwanda.
• VisamajorStrategic or Co-development PartnerINFITX was selected as one of 5 participants in the Visa Accelerator Program, developing a POC with Visa and showcasing the talent and capability of INFITX teams. Jane Stroucken coordinated and managed the POC delivery with the Visa team.
• Bank of TanzaniacoreImplementation/ SI/ Consulting PartnerINFITX, led by Jane Stroucken, started the TIPS (Tanzanian Instant Payment System) project in collaboration with the Bank of Tanzania. INFITX trained and facilitated the Bank's engineers and project team to work on the open-source Mojaloop software, enabling the Bank to finalize development and launch the live system in February 2022.
• Bill and Melinda Gates FoundationmajorStrategic or Co-development PartnerThe Bill and Melinda Gates Foundation's Level One Principles guided the design of WynePay. INFITX, along with ThitsaWorks and UNCDF, developed WynePay in alignment with Level One Principles for inclusive payment systems. The Foundation also backs the Mojaloop initiative.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• ModusBox: ModusBox is the original employer of several INFITX founders (Sam Kummary, Miguel de Barros) and the predecessor of INFITX on Mojaloop OSS work; both companies continue to share the Mojaloop community mission and overlap directly on Mojaloop-based integration services.
• BPC Banking Technologies: Provides payment switch and digital banking platforms used by central banks and FIs in Africa, Latin America, and Asia, directly competing for the same national payment switch and hub-operator RFPs INFITX addresses with Mojaloop.

Broad incumbents

• ACI Worldwide: Global real-time payment and fintech infrastructure vendor (ACI Universal Payments, ACI Immediate Payments) serving the same central-bank and hub-operator customers INFITX targets, but with broader portfolio coverage and much larger scale.
• OpenWay Group: Delivers WAY4 digital payment processing software for card management, real-time payments, and national payment switches; competes for the same real-time payment infrastructure engagements as INFITX across emerging markets.
• Red Hat (IBM): Enterprise open-source infrastructure vendor that provides the broader Kubernetes, IaC, and middleware layer underlying Mojaloop deployments and adjacent to INFITX's IaC and zero-touch Kubernetes networking offerings.

Emerging players

• Volante Technologies: Specializes in payment modernization and orchestration tooling for banks and fintechs, providing adjacent payment-infrastructure capabilities to the same hub/operator buyer segment as INFITX.

Regional players

• Onafriq (formerly MFS Africa): Africa-focused cross-border payments platform operating hub-like aggregation across mobile money and bank partners; overlapping customer base of African hub operators and central-bank-adjacent fintechs that INFITX supports.
• TerraPay: Cross-border payments network connecting mobile wallets, bank accounts, and cards across emerging markets, with overlapping ambition of building interoperable payment rails for the same financially underserved segments INFITX targets.

Others

• AfricaNenda: African instant and inclusive payment systems foundation; an INFITX partner on the Mojaloop Accelerator Program in Rwanda and a key ecosystem body influencing which SIs get deployed across the continent.
• Mojaloop Foundation: The open-source foundation stewarding Mojaloop; not a commercial peer but the central ecosystem player whose governance, releases, and adoption programs directly shape INFITX's pipeline and tooling value.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/infitx

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about INFITX