Wallets & Bank Accounts
Launch customer wallets and programmable bank accounts with regulated partner banks, local money movement, and secure fund storage.
Licensed payment infrastructure for Africa
Build, launch, and scale financial products across Africa
Tembo provides secure APIs, compliant local rails, bank partnerships, and mobile money integrations that help fintechs, platforms, merchants, and enterprises collect, store, and move money reliably across African markets.
Customers and partners
About Tembo
Regulated infrastructure, built with deep local market expertise
Our products
One partner. One API. Local payment rails across Africa.
Build on top of direct bank integrations, mobile money rails, programmable accounts, and compliance workflows designed for African commerce.
Payment Collections
Collect customer deposits, invoice payments, marketplace funds, and recurring payments across bank and mobile money channels through a single API and dashboard.
Payouts & Disbursements
Automate supplier payments, payroll, loan disbursements, agent commissions, and customer withdrawals to bank accounts and mobile money wallets.
Virtual Accounts
Generate unique account numbers for users, businesses, or transactions so collections are traceable, reconciled, and visible in real time.
Cross-Border Payments
Connect local payment rails to regional and international settlement workflows for importers, platforms, and companies operating across markets.
Remittance Termination
Help remittance partners deliver funds directly into local bank accounts and mobile money wallets with compliant last-mile payout coverage.
Built for developers and operators
Infrastructure that is practical to integrate and ready to scale
APIs & SDKs
Dashboards
Reconciliation
Compliance
Why Tembo
Hard-to-build local infrastructure, packaged for modern fintech teams
Direct local rails
Integrations with telcos, mobile money providers, and commercial banks across target markets.
Regulatory depth
Country-specific licensing, approvals, and compliance frameworks built into the operating model.
Bank-grade reliability
Partnerships and operational experience across leading African banks and financial institutions.
Faster product launches
Embedded APIs, dashboards, and reporting help teams ship without years of local integrations.
Use cases
For businesses moving money into, within, and across Africa
Fintech platforms
Importers and suppliers
Remittance providers
Lenders and marketplaces
SMEs and enterprise finance teams
Payment service providers