Danipa Fintech
Platform.
Payments, remittance, multi-currency wallets, Stripe Connect instant payouts, agent banking, savings, loans, bill payments, and merchant tools — built for every business, serving Canada first and running on the Canada–Ghana corridor via Stripe and MTN MoMo.
- Client Apps
- 8
- API Endpoints
- 600+
- Email Templates
- 90+
- MFA Methods
- 3
Everything you need to move money — at home and across Africa.
From cross-border remittance to merchant payment rails, from agent banking to AI live chat — 30 capabilities, all on one stack.
Cross-Border Remittance
Send money from Canada and the US to mobile wallets in Ghana via MTN MoMo.
Multi-Currency Wallets
Hold GHS, CAD, and USD balances in separate accounts. Switch currencies on the home screen with persisted preferences and real-time balance updates.
Multi-Country Platform
Launching in Ghana. Country-specific KYC, transaction limits, regulatory compliance, and provider routing.
Agent Banking
Full agent network for cash-in/cash-out, float management, commission tracking, customer registration, and KYC — with a dedicated mobile agent dashboard.
Stripe Fund-In
Fund your wallet via Stripe — cards, Apple Pay, Google Pay — with dual-currency USD + CAD settlement live end-to-end and a unified webhook hub.
Stripe Connect Instant Payouts
Cash out to a connected debit card or bank account via Stripe Connect with per-country routing (US, CA, GB, EU) and Hosted Onboarding — as fast as Stripe payouts allow.
Savings Goals & Auto-Save
Create savings goals with target amounts and deadlines. Set up auto-save plans (daily, weekly, monthly) with round-up savings. Track interest, set lock periods, and pause or resume anytime.
Micro- Loans
Browse loan products, check eligibility, apply instantly, and manage repayment schedules. Auto-approval for qualifying users.
Bill Payments
Save favourite billers and schedule recurring payments from your wallet — utility, airtime, and data bundle fulfilment rolls out with production.
Multi-Factor Authentication
Full MFA suite wired in sandbox: Passkey (WebAuthn), SMS OTP via Africa's Talking (Ghana) + Twilio (international), and TOTP via Google Authenticator, Authy, or 1Password.
90+ Transactional Email Templates
Every lifecycle event covered — account, security, transactions, KYC, loans, savings, merchant, disputes, referrals. Consolidated in notification-service, delivered via Resend.
AI Live Chat
Claude Sonnet 4.6-powered assistant with Danipa knowledge base, user context awareness, multilingual responses (English/French), and one-tap escalation to a human support agent.
Credit Score
Payment Requests
Dispute Management
Push Notifications
Passkey / WebAuthn
SSO with Back-Channel Logout
Social Login
Dark Mode (Midnight Ember)
Referral Program
Merchant POS
Merchant Payroll
Payment Links & Invoices
Multi-Language (i18n)
Double-Entry Ledger
Step-Up Authentication
Quiet Hours
USSD Channel (in development)
Offline-First Mobile
How It Works.
Send.
Enter the amount and recipient phone number. Choose your funding source — card or MoMo.
Convert.
Real-time FX rates with no hidden markups. Smart routing selects the best provider and corridor automatically.
Receive.
Instant delivery to MTN MoMo wallets in Ghana. Or cash out at any Danipa agent point — no smartphone needed.
Pan-African Coverage.
Country-specific KYC, providers, currencies, and regulatory compliance — launching in Ghana, expanding across West and East Africa. Beyond these mobile-money markets, Stripe adds card fund-in and payouts wherever Stripe is supported — US, Canada, UK, EU, and more.
The Danipa Wallet.
The money core of the Danipa app — built for speed, simplicity, and trust. Available on Web, iOS, and Android.
Multi-currency dashboard with live rates and recent activity
Swipe to explore
Get it on your phone.
Request access to try every flow you just scrolled through. We'll add you to the iOS TestFlight or Android internal testing program within 24 hours. Real CAD · GHS · USD rates, test funds — no real money moves until we open production.
· 100 tester slots per platform|Web at app.sandbox.danipa.com
Banking-Grade Security.
Your money and data are protected by the same infrastructure used by Canada's largest financial institutions.
Ready to get started?
Accept payments for your business, send money home via the app, or build on our payment APIs.