Tulupay Ecosystem
Learn how Tulupay ecosystem filled the gap.
Tulupay’s Role: Africa’s Unified Financial OS
Tulupay leverages blockchain to build a Financial Operating System (OS) for Africa, integrating:
- Payments & Remittances: Cross-border transactions at near-zero cost.
- Digital Currencies: Stablecoins and CBDCs for seamless commerce.
- Banking-as-a-Service: APIs for developers to deploy compliant solutions.
- Tax & Compliance: Transparent revenue collection for governments.
By merging Web2 usability with Web3 innovation, Tulupay solves fragmentation, drives inclusion, and positions Africa at the forefront of the digital economy.
Problem Statement
Africa’s digital economy is held back by a fragmented, inefficient, and exclusionary financial system:
- Siloed Systems: Traditional banks, mobile money (M-Pesa, MTN MoMo), and blockchain networks operate independently, limiting interoperability.
- High Costs & Slow Transactions: Cross-border payments take days with fees as high as 8-10%, stifling trade and remittances.
- Regulatory Complexity: Differing financial laws across 54 countries create friction for businesses and fintechs scaling across borders.
- Lack of Scalable Infrastructure: Many African fintechs struggle with unreliable settlement layers, forcing them to build costly in-house solutions.
Without a unified financial backbone, Africa’s digital economy cannot reach its full potential.
Solution: Tulupay’s Financial OS
Tulupay is building a seamless, interoperable Financial Operating System (OS) that serves as the foundational layer for Africa’s digital economy.
- Tulu Chain – A high-speed, low-cost blockchain enabling instant settlements (domestic & cross-border).
- Interoperability Hub – Bridges banks, mobile money, CBDCs, and DeFi into a single network.
- Regulatory Sandbox – Compliance-friendly infrastructure for digital assets and smart contracts.
- Developer APIs – Scalable tools for fintechs, governments, and enterprises to build on Tulupay.
Without a unified financial backbone, Africa’s digital economy cannot reach its full potential.
How It Works
- A merchant in Nigeria can receive payments from a customer in Kenya via mobile money, settled instantly in local currency..
- A small business in Ghana can access DeFi liquidity pools while complying with local regulations.
- Governments can issue CBDCs or social welfare payments on Tulupay’s secure rails.