The fastest way to launch regulated financial products in emerging markets
From compliance to connectivity, emera fi gives you everything to go live in 5 days. One API. Your brand.
Built for 54+ markets across MEA. Live and operational in 7 today.
The problem
18 mo
Average time to launch a compliant payment product in MEA without purpose-built infrastructure
3.4 B
People in emerging markets underserved by financial infrastructure built for someone else
54 +
Markets across MEA. Each with different rails, regulators, and identity systems.
Why building here is hard
Fragmented rails
Every market runs on different payment schemes. One integration per market before you write a line of product code.
Compliance that moves
Central bank rules change constantly. Your compliance stack is stale the day it ships.
Identity that doesn't fit
Western KYC systems reject millions of valid MEA customers. Built for exclusion, not inclusion.
Infrastructure that fails
Connectivity drops at peak. Settlement times out. The stack needs intelligence, not dashboards.
Use Cases
What you can buildemerafi.
Digital Wallets
Launch branded wallets with multi-currency support and real-time settlement.
Payouts & Disbursements
Send money instantly to bank, card, or mobile wallet across 54+ markets.
Neobanks
Full-stack infrastructure for a digital bank — accounts, cards, compliance, KYC.
Payment Acceptance
Accept cards, mobile money, and local schemes under your own brand.
Embedded Finance
Any company — telco, retailer, logistics — can offer financial products on our rails.
Card Programmes
Issue virtual and physical cards under your brand. Visa, Mastercard, or Verve.
AI-native Platform
Not AI-augmented. AI-native.
Six layers of AI — each solving a real infrastructure problem in emerging markets.
01
Onboarding
AI-Powered KYC
MEA document types. 4-second decisions. Works without formal addresses.
avg decision: 4.2s · accuracy: 98.4%
02
Scoring
Alternative Scoring
Credit scoring without credit history. Behavioural signals, mobile patterns, velocity.
features: 200+ · trained on: MEA data
03
Security
Fraud Detection
Trained on MEA fraud patterns. SIM swaps, mobile money scams, agent fraud.
latency: <60ms · false positives: <0.3%
04
Infrastructure
Smart Routing
Optimal rail selected per transaction in real time. Success, cost, and network health.
signals: 12 real-time · lift: +8.4%
05
Compliance
Auto-Compliance
54+ central banks monitored. Rules auto-update within 24h of any directive.
update lag: <24h · markets: 54+
06
PCI + Security
Automated Certification
PCI DSS maintained continuously. In-region data hosting. Always audit-ready.
standard: PCI DSS L1 · cert: continuous
Why emera fi
Speed when you want it.need it.
Everything you need to launch, scale, and operate financial products in emerging markets. Nothing you don't.
01
Go live in 5 days
Not weeks, not months. API keys to production in 5 days.
02
One API, all of MEA
54+ markets. Every rail. One integration. No duplicated build work.
03
Compliance that maintains itself
AI monitors every central bank we operate under. You stay legal automatically.
04
Your brand, not ours
Full white-label. Your customers never see emerafi.
05
Built for the frontier
Offline resilience, local rails, MEA identity — not adapted from a Western product.
06
PCI DSS out of the box
Level 1 certified. Continuously maintained. Never manually recertified.
5
days to live.
Not 5 days to sandbox. 5 days to production — real users, real transactions, real revenue. AI-native compliance and pre-integrated rails make this possible.
D1
API keys + market config
Connect. AI auto-configures compliance rules for your target market.
◆ AI configures
D2
KYC flows live
Identity flows trained on local document types. First users onboarded.
◆ AI-verified
D3
Fraud models deployed
Market-specific fraud models active. Smart routing optimised for your corridor.
◆ AI-trained
D4
PCI DSS certified
Automated security audit complete. Compliance documentation generated.
◆ Auto-certified
D5
Production launch
Real transactions. Real customers. Your brand. Full monitoring active.
● Live
Platform Modules
Everything your product needs.Nothing you don't.
Live
Core Payments
Cards, mobile money, bank transfers, USSD — every rail in MEA through one API.
AI-optimised routing
Live
Digital Wallets
Multi-currency wallets with real-time settlement and AI fraud monitoring built in.
AI fraud layer
Live
Payouts
Instant and bulk payouts to bank, card, or mobile wallet across 54+ countries.
Live
KYC & Identity
AI identity verification for MEA documents. 4-second decisions. Inclusion-first.
AI-native · MEA training data
Live
Fraud Management
MEA-trained models. Understands local fraud patterns others miss.
AI-native · <60ms
Live
Compliance AI
Regulatory monitoring across 54+ jurisdictions. Rules auto-update. PCI DSS continuous.
AI-native · Auto-cert
Roadmap
Tokenization
PCI DSS Level 1 vault. Visa and Mastercard network tokens.
Roadmap
Card Issuing
Virtual and physical cards under your brand. Instant issuance. AI spend controls.
AI spend controls
Coverage
Built for all of MEA.
emera fi is designed for every market across the Middle East and Africa — the compliance layer, the rails, the AI.
UAE
Saudi Arabia
Ghana
Rwanda
Liberia
Sierra Leone
Sao Tomé
Nigeria
Kenya
Egypt
South Africa
Morocco
+ 49 more
Infrastructure challenges we solve
Intermittent connectivity
AI-powered retry and offline-resilient queuing. Transactions complete even when the network doesn't.
Rail fragmentation
54+ market integrations maintained for you. One API, all rails, always current.
Regulatory complexity
AI monitors every central bank we operate under. Compliance auto-updates. You stay legal.
Identity gaps
KYC for people without formal addresses or Western-style documents. Built for inclusion.
Live on the OS
Powering financial products across MEA.
Real products. Real markets. Built and launched on emera fi .
GT
GTIPAY
Payin, Payout, Wallet · Africa
Live
SP
SaoPay
Payin, Payout, Wallet · Liberia
Live
SW
SaoWallet
Payout, Wallet · Sao Tomé
Live
SS
SaoSend
Payout, Wallet · Ghana
Live
5 days from now,
Talk to a solutions architect who has shipped financial products in your market.
Platform
Modular. AI-native.One integration.
Every module shares one API, one compliance layer, one AI brain. Pick what you need now. Add more as you grow.
Payments
Wallets
Payouts
KYC
Fraud
Compliance AI
Tokenization
Cards
Payment Rails
Every rail across MEA — card, mobile money, local schemes — through a single API. No per-market integration work.
Visa · Mastercard
MTN MoMo
Orange Money
Airtel Money
Mada · Verve
UAEFTS · NIP
30+ currencies
USSD offline
Payment Modes
Every way a customer pays. QR, link, invoice, subscription, direct debit — all configurable per market in your brand.
QR Codes
Payment Links
Invoices
Subscriptions
Direct Payments
S2S / Silent Auth
Plugins
Hosted Checkout
Fraud Management
MEA-trained fraud models scoring every transaction in under 80ms. Adaptive rules that learn from your merchant's specific patterns.
Real-time scoring <80ms
MEA-specific models
Device fingerprinting
Velocity rules
3DS 2.0
Chargeback automation
0.03%
Average fraud rate on platform
Settlement & Reconciliation
AI matches settlement files against transactions automatically. Exceptions surfaced instantly. Manual reconciliation eliminated.
Auto-matching
Multi-PSP recon
FX settlement
T+0 / T+1 / T+2
Exception management
ISO 20022
98.7%
Auto-match rate across live clients
Self-Onboarding
Merchants onboard in minutes with custom KYC flows configured for each target market. No manual review bottlenecks.
Market-specific KYC
Emirates ID
Ghana Card
Document OCR
Liveness check
Risk tiering
Submerchant onboarding
AI Routing & Orchestration
Every transaction is scored across all available rails in real time. AI picks the route with the highest approval probability and lowest cost.
Least cost routing
Approval rate optimisation
Congestion avoidance
Fallback cascading
PSP orchestration
Smart retries
+8.4%
Average approval rate lift from AI routing
Marketplace & Submerchants
Run a full marketplace operation with supermechant-submerchant hierarchies, split settlements, and independent compliance tiers.
Supermechant model
Submerchant onboarding
Split settlements
Per-merchant limits
Consolidated reporting
White-label portals
Monetisation
Build revenue streams directly into your payment platform. Configure MDR, FX spread, subscription fees, and payout charges per segment.
Configurable MDR
FX spread capture
Subscription billing
Payout fees
Pricing plans
Revenue analytics
// POST /v1/payments — AI-routed across 54+ markets
{ "amount" : 12400 , "currency" : "RWF" , "routing" : "ai_optimised" }
// 200 OK · 144ms
{ "id" : "pay_9xKm3Pq" , "status" : "authorized" , "rail" : "uaefts" , "ai_selection" : "highest success · current network" }
Multi-currency Ledger
Real-time balance across 30+ currencies. Every credit, debit, and fee recorded with full audit trail.
30+ currencies
Real-time balance
Full audit trail
Multi-ledger
P2P Transfers
Wallet-to-wallet transfers with configurable limits per customer tier, market, and transaction type.
Instant P2P
Configurable limits
Per-tier controls
Per-market rules
Top-up Channels
Customers fund wallets from any channel — bank transfer, card, mobile money, or cash agent for offline markets.
Bank transfer
Card top-up
Mobile money
Cash agents
Shariah-Compliant Options
Wallet configurations that meet Islamic finance requirements. Relevant for UAE, Saudi Arabia, and broader GCC markets.
Non-interest bearing
GCC-ready
Configurable per market
Statements & History
Full transaction history with downloadable, branded statements. Customers and merchants get the transparency they need.
Full transaction log
Branded statements
Downloadable PDF
Webhook events
Fully White-labelled
Your brand, your domain, your colours. Customers never see emerafi. The entire wallet experience lives inside your product.
Custom domain
Brand theming
White-label portal
On-premise deploy
// POST /v1/wallets
{ "owner_id" : "usr_a8K2" , "currency" : "RWF" , "tier" : "retail" }
// 201 Created
{ "wallet_id" : "wlt_7pNqRx" , "balance" : 0 , "status" : "active" }
Instant Payouts
Real-time disbursements to bank accounts, mobile money wallets, and cards. Delivery typically under 60 seconds.
Bank transfer Mobile money Card payout Real-time
Bulk Disbursements
Schedule and send payroll, agent commissions, supplier payments, or any high-volume payout run in a single API call.
Batch API Scheduled payouts Payroll Agent commissions
FX & Currency
Send cross-currency at interbank rates with transparent fee structure. Lock FX rates at initiation for predictable costs.
Interbank FX 30+ currencies Rate locking Transparent fees
Approval Workflows
Configurable multi-level approval flows for high-value payouts. Maker-checker controls with full audit trail.
Maker-checker Threshold controls Audit trail Role-based approvals
AML Screening
Every payout screened against sanctions lists, PEP databases, and adverse media in under 200ms. No manual review bottleneck.
Sanctions screening PEP checks <200ms Auto-block
Payout Tracking
Real-time status updates via webhook. Failed payouts automatically retried with configurable fallback destinations.
Webhooks Status tracking Auto-retry Fallback routing
// POST /v1/payouts/bulk
{ "payouts" : [{ "amount" : 2500 , "currency" : "RWF" , "destination" : { "type" : "mpesa" } }] }
// 202 Accepted · AML screening passed · delivery <60s
Document Verification
AI-trained OCR covering 30+ MEA document types — Emirates ID, Ghana Card, NIN, passports, driving licences, and more.
Emirates ID Ghana Card NIN Passport 30+ types
Liveness & Face Match
Passive liveness detection and biometric face match against submitted documents. Spoof-resistant, works on low-end devices.
Passive liveness Face match Spoof detection Low-bandwidth
Risk-tiered Flows
AI risk scoring routes customers to the right verification level. Low-risk customers onboard in seconds. High-risk get enhanced checks.
Risk scoring Tiered onboarding Enhanced due diligence Auto-approval
Sanctions & PEP Screening
Automated screening against global sanctions lists, PEP databases, and adverse media. Updated daily, results in milliseconds.
OFAC · UN · EU PEP database Adverse media Daily updates
Market-specific Compliance
KYC flows configured per jurisdiction — UAE CBUAE, Ghana BoG, Rwanda BNR, Saudi SAMA. Regulatory exports included.
CBUAE rules BoG Ghana BNR Rwanda SAMA Saudi
Alternative Identity Signals
For customers without formal addresses or documents. Alternative signals — telco data, agent vouching — extend financial access.
Telco signals Agent vouching Thin-file support Financial inclusion
4.2s
Average verification decision time
// POST /v1/kyc/verifications
{ "user_id" : "usr_xP9q" , "country" : "GH" , "documents" : ["ghana_card" ] }
// 200 · 4.1s
{ "status" : "approved" , "confidence" : 0.97 }
Transaction Scoring
Every transaction scored across 200+ signals in under 60ms. Models trained specifically on MEA fraud patterns, not generic global data.
200+ signals <60ms MEA models Embedded in API
<60ms Scoring latency per transaction
SIM Swap & Account Takeover
Detects SIM swap attempts and mobile account takeover — the dominant fraud vector across Africa and the Gulf.
SIM swap detection ATO prevention Telco signals Real-time alerts
Device & Behaviour
Device fingerprinting and behavioural biometrics identify suspicious patterns without adding friction for legitimate customers.
Device fingerprinting Behavioural biometrics Zero friction Session analysis
Velocity Rules
No-code velocity rule builder. Set limits by customer, merchant, channel, or geography — live within minutes.
No-code rules Per-customer limits Per-channel Instant deploy
Chargeback Management
Automated dispute handling with evidence packs generated from transaction data. Reduces manual chargeback operations.
Auto evidence packs Dispute tracking Issuer comms Win rate analytics
Continuous Retraining
Models retrain automatically as new fraud patterns emerge. Your fraud posture improves over time without manual intervention.
Auto-retraining Pattern detection Model versioning Feedback loop
<0.3% False positive rate
// Embedded in every payment response
{ "fraud" : { "score" : 9 , "risk" : "low" , "signals" : ["known_device" ], "action" : "allow" } }
Regulatory Monitoring
Continuous monitoring of 54+ central bank feeds. New directives detected and translated into platform rule updates within 24 hours.
54+ regulators CBUAE BoG · BNR · CBN Real-time feeds
<24h From directive to platform update
Continuous PCI DSS
PCI DSS Level 1 maintained automatically. No annual audit cycles, no manual evidence collection. Compliance is always current.
PCI DSS L1 Auto-evidence No annual audits Always current
AML Threshold Management
AML thresholds and transaction monitoring rules auto-adjust as regulations change. No manual rule updates required.
Auto-adjust thresholds Transaction monitoring STR generation Audit ready
Data Sovereignty
Deployed inside your infrastructure. Data never leaves your jurisdiction. Meets in-region data residency requirements for UAE, KSA, Ghana, and Rwanda.
On-premise deploy In-region hosting No data egress Full data ownership
Regulatory Reporting
One-click export of regulatory reports in the format required by each central bank. Audit trail maintained automatically.
Central bank exports STR / CTR reports Full audit trail Per-jurisdiction format
Rule Auto-update
When a regulator issues new guidance, the platform's compliance rules update automatically — no engineering sprint required.
Zero-touch updates Change log Rollback support Approval workflow
// GET /v1/compliance/status
{ "AE" : { "status" : "compliant" , "last_update" : "2h ago" }, "pci_dss" : { "certified" : true , "mode" : "continuous" } }
PCI DSS L1 Vault
Card data vaulted in a PCI DSS Level 1 certified environment. Your application receives tokens — never raw PANs.
PCI L1 certified Format-preserving Zero PAN exposure
Network Tokens
Visa Token Service (VTS) and Mastercard MDES integration. Network tokens improve authorisation rates and reduce fraud.
Visa VTS Mastercard MDES Higher auth rates Fraud reduction
Cross-channel Portability
A single token works across in-app, web, and MOTO channels. Customers save cards once and pay everywhere.
In-app Web MOTO Single token
// POST /v1/tokens — PAN never stored
{ "type" : "card" , "card" : { "number" : "4111..." } }
// 201 Created
{ "token" : "tok_aK3pQr7" , "pci_certified" : true }
Virtual & Physical Cards
Instant virtual card issuance and physical card fulfilment. Full white-label — your brand on the card, your name on the statement.
Virtual instant Physical cards White-label Custom BIN
Card Programmes
Prepaid, debit, and corporate card programmes. Shariah-compliant prepaid options for GCC markets. Verve for West Africa.
Prepaid Debit Corporate Shariah-compliant Verve
Digital Wallets
Apple Pay and Google Pay provisioning for issued cards. Customers pay with their phone from day one.
Apple Pay Google Pay Instant provisioning NFC payments
Spend Controls
Configurable spend controls per card — category restrictions, merchant blocks, daily limits, and geo-restrictions set via API.
Category controls Merchant blocking Daily limits Geo-restrictions
BIN Sponsorship
Don't have a BIN? We handle principal membership and BIN sponsorship so you can issue cards without a direct network relationship.
Visa BIN Mastercard BIN Principal membership Fast to market
Card Analytics
Real-time spend analytics, authorisation rates, and decline reason codes. Full visibility into your card programme performance.
Spend analytics Auth rates Decline reasons Real-time dashboard
// POST /v1/cards — virtual card issued instantly
{ "holder_id" : "cust_3Pq" , "type" : "virtual" , "network" : "verve" }
// 201 — card ready immediately
Ready to go live in 5 days?
A solutions architect will walk you through a sandbox tailored to your market.
About emera fi
We built the Payment OS we needed when we were building fintech across APAC and the Middle East.
emera fi was founded by payments engineers and fintech operators who spent years building financial products in markets where the infrastructure fights you at every step. Unreliable rails. Regulations that changed without notice. KYC systems designed for Europe that rejected half the population.
We set out to solve that problem at the infrastructure layer — for the entire MEA corridor. And we knew the only way to make it work at scale was to build AI-native from day one, not bolt AI on later.
The world's fastest-growing financial populations deserve world-class infrastructure. We are building the Payment OS that makes that possible — starting with markets others call too hard, because those are the ones that matter most.
Principles
What we stand for.
01
Emerging markets first
Not an afterthought. Not a modified Western product. Built from the ground up for markets where infrastructure is the product.
02
AI as infrastructure
AI isn't a feature we ship. It's the reason the platform works — compliance, routing, fraud, and identity all depend on it.
03
5 days is a moral position
Every day a fintech can't launch is a day millions of people go underserved. We compress the timeline because speed matters.
04
Reliability is the product
In markets with unreliable infrastructure, we hold ourselves to power-grid standards. Not just uptime — intelligent resilience.
Leadership
The team.
Founder & CEO · IIT Bombay
Technical Lead
Head of Product
Software Engineer
Building the financial OS
Hiring engineers, compliance leads, and market specialists across Lagos, Cairo, and Dubai.
MPGS
Circle
Alipay
