Higala

Higala provides open-source, API-first digital financial infrastructure and software for rural banks, cooperatives, and microfinance institutions. Using Mojaloop and ISO 20022 standards, it builds an open payments switch, core banking platforms, and instant payment systems, and offers IPS consulting, scheme design, and full technical deployment to enable interoperable, low-cost real-time transactions and integration with national payment rails. Its solutions let smaller financial institutions deploy digital payments, loans, deposits, and partner services affordably and securely to expand access in underserved communities.