Pay out to East Africa in seconds, from one balance.
MIAlink lets licensed businesses prefund once in USD, EUR or AED, then pay people straight to M-Pesa, MTN MoMo, Airtel Money and bank accounts in Kenya, Rwanda and Uganda. By API or from the portal, with every payout tracked to the end.
Early access. MIAlink is preparing its licence applications and works only through licensed partners in each country.
How a payout travels
Four steps, the same for one payout or a payroll run of a thousand.
Prefund your balance
Send a bank transfer in USD, EUR or AED. Each currency is its own balance, with its own statement.
Send the payout
Call the API, or upload a CSV in the portal. Quotes lock the rate for 60 seconds; batches take up to 1,000 payouts.
The recipient is paid
We screen both people, check limits, and pay to the recipient's mobile wallet or bank account in local currency.
You hear back at once
A signed webhook tells your system the result. If a payout fails, the full amount and fee return to your balance.
Where we pay out
Three countries, the mobile money networks people actually use there, and bank accounts where the rails allow.
Each country and method switches on only when our licensed partner there is connected and approved. Availability depends on regulatory approval.
| Country | Pays to | Fund from |
|---|---|---|
| KenyaPaid in KES | M-PesaAirtel Money KenyaKenyan bank account | USDEURAED |
| RwandaPaid in RWF | MTN MoMo RwandaAirtel Money RwandaRwandan bank account | USDEURAED |
| UgandaPaid in UGX | MTN MoMo UgandaAirtel Money Uganda | USDEUR |
Built for businesses that move money for others
MIAlink works with regulated businesses only. Every client passes our business checks before its first payout.
Remittance companies
Deliver your customers' transfers to wallets and banks in East Africa without opening accounts in every country.
Wallets and neobanks
Offer send-to-M-Pesa and send-to-MoMo inside your app, funded from the balance you already hold.
Fintechs and PSPs
Add East African payouts to your product with one API, one sandbox and one statement.
Payroll and HR platforms
Pay staff and contractors in Kenya, Rwanda and Uganda on payday, a whole run in one batch.
Marketplaces
Settle sellers, drivers and freelancers to the wallet they use every day.
An API your engineers can finish in a sprint
Plain JSON over HTTPS, one key per environment, and a sandbox that behaves like production.
- Never pays twice. Every payout carries an idempotency key, so a retry after a timeout is always safe.
- Signed webhooks. HMAC-SHA256 on every status update, with retries for a full day.
- Bulk payouts. Up to 1,000 payouts in one call, each checked and paid on its own.
- Sandbox outcomes. Test numbers that succeed, fail, wait or go to review, so you can build every path.
# 1. Lock a rate for 60 seconds
curl -X POST https://api.mialink.example/api/v1/b2b/quotes \
-H "X-Api-Key: mlk_test_…" \
-d '{"corridor": "USD-KE", "send_amount": "150.00"}'
# 2. Pay, with your own idempotency key
curl -X POST https://api.mialink.example/api/v1/b2b/payouts \
-H "X-Api-Key: mlk_test_…" \
-H "Idempotency-Key: 7c1e9a40-ord-10231" \
-d '{
"quote_id": "q_…",
"client_reference": "ORD-10231",
"recipient": {"full_name": "John Otieno", "country": "KE",
"payout_method": "mpesa",
"account_number": "254712345678"},
"sender": {"full_name": "Ahmed Ali", "country": "AE"}
}'
# 3. Your webhook receives
{"status": "paid", "receive_amount": "19347", "receive_currency": "KES"}Careful with money by design
The controls a payout network needs are built into the engine, not bolted on.
Every client checked
Know-your-business review of each company, its owners and its licence before it can send a payout.
Sanctions screening on every payout
Both sender and recipient are screened. If screening cannot run, the payout waits; it is never waved through.
Double-entry ledger
Every cent is recorded twice and the books are checked to balance. Entries are added, never edited.
Two-step sign-in
Every MIAlink staff member signs in with a password and a code from an authenticator app. Client portal users can turn it on too. Roles limit who can approve, move or release money.
Encrypted data
Data is encrypted in transit and at rest. Keys and passwords live in a managed secrets store, never in code.
Full audit trail
Every staff action is recorded with who, what and when. Every payout keeps its history from request to result.
Hosted on AWS, backed up
The platform runs on Amazon Web Services with daily encrypted backups copied to a second region.
Real-time tracking
See each payout's status as it moves, in the portal and through the API, and get a webhook on every change.
We do not hold certifications yet and we do not claim them. When an independent review or licence is granted, we will name it here.
Sending money home from the UAE yourself?
The MIAlink app for families and traders runs on the same network. It is in early access.
Questions businesses ask first
Something else? Write to info@miaglobaltechnologies.com.
Is MIAlink licensed?
Not yet. MIAlink is preparing licence applications and works only through appropriately licensed partners in each country. A corridor opens to real money only when the required approvals and partner agreements are in place. Until then, approved businesses can build and test in the sandbox.
Who can use MIAlink?
Regulated businesses that pay people on behalf of their customers or staff: remittance companies, wallets, fintechs, payroll platforms and marketplaces. We review every business before it can send a payout.
How fast is a payout?
Mobile money payouts are sent to the network straight away and usually confirm within seconds. Bank payouts depend on the receiving bank. If a network is slow to answer, the payout stays pending until the result is known: we never mark a payout failed or refund it while it might have been paid.
How do I fund my balance?
By bank transfer in USD, EUR or AED to the account details shown in your portal. Each currency is its own balance; we never convert between your balances without an instruction.
What does it cost?
Pricing depends on corridor and volume and is agreed with each client. Every quote shows the rate and fee before you pay, and the rate is held for 60 seconds.
Can I test before signing?
Yes. Once your access request is approved you get a sandbox key and can run every outcome (paid, failed, pending, held for review) with no real money.
Where is my data kept?
On Amazon Web Services, encrypted, with daily backups copied to a second region. See our privacy notice for how we use personal data.
Request access
Tell us about your business. A person on our team reads every request.
- We reply by emailWe aim to answer within two working days, with questions or a call time.
- Sandbox keyApproved businesses can start building straight away.
- Business checksDocuments and checks before any real money moves.