The Operating System for Enterprise Mobile Money Operations

Automate Mobile Money. Stay in Control.

MoMo Assistant is the platform running your Mobile Money operations: Organizations, Stations, trusted devices, and Runtime, working together to execute faster, safer USSD transactions with every action auditable.

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Bank-grade SecurityReal-time Monitoring24/7 Audit TrailBuilt for Scale

Accra Digital Payments

Kumasi Agent Network

Tema FinServe

Northern MoMo Hub

Coastal Transact Group

Everything a Mobile Money station needs

One application to run multi-SIM operations, automate USSD workflows, and keep a reliable record of every transaction.

Multi-SIM Management

Run multiple SIMs and mobile money lines from a single device, switching between them without breaking a workflow.

USSD Automation

Automate repetitive USSD sequences with precision timing, while keeping the human agent in control of every confirmation.

Transaction History

Every transaction is logged and searchable, giving agents and station managers a complete, reliable record.

Secure PIN Vault

Mobile Money PINs are sealed in the Android KeyStore on-device and are never transmitted or stored in the cloud.

Financial Runtime

Checks available balance before every transaction — rejects an impossible transaction before it costs money.

Trust Platform

Device Trust, SIM Trust, and Station Trust, unified into one runtime policy that decides what can be automated.

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Architecture

Built for organizations, not just individual agents

MoMo Assistant is structured around how professional Mobile Money businesses actually operate: an organization made up of stations, each running on trusted devices, executed through a dedicated runtime.

Organization

The top-level business entity — owns stations, policies, and audit history across every location.

Station

A physical point of operation with its own agents, devices, and SIMs, reporting up to the organization.

Device Trust

Every device is verified and trusted before it can execute transactions on behalf of a station.

Runtime V2

The execution engine that carries out USSD automation reliably, with the agent in control at every step.

How it works

Security

Security built for regulated, high-volume operations

Every layer of MoMo Assistant is designed around one rule: transaction PINs never leave the device.

Android KeyStore

Sensitive material is generated and sealed inside the device's hardware-backed KeyStore, not in application storage.

Device Trust

Devices must be verified and trusted before they can run automated transactions for a station.

SIM Trust

SIMs are bound and verified per device, preventing unauthorized SIM swaps from silently taking over a line.

Runtime Policies

Organization-defined policies govern what the runtime is allowed to automate, and where a human must confirm.

Audit Logs

Every security-relevant action is recorded, giving organizations a complete, tamper-evident audit trail.

PINs Never Leave the Device

Mobile Money transaction PINs are never stored in the cloud — only on-device, inside the KeyStore-backed vault.

How it works

From onboarding to real-time auditing, in four steps.

Onboard your organization

Set up your organization and define your stations, agents, and operating policies.

Register devices and SIMs

Enroll trusted devices and SIMs, verified through Device Trust and SIM Trust before first use.

Automate USSD workflows

Runtime V2 executes routine USSD sequences quickly and consistently, with the agent confirming each transaction.

Monitor and audit in real time

Track transaction history and security events across every station from a single audit trail.

Why MoMo Assistant

Built from the ground up for professional operators — not adapted from a consumer wallet.

Built for businesses, not consumer wallets

MoMo Assistant is designed around organizations processing large daily transaction volumes, not single-user wallets.

Speed without losing control

USSD automation removes repetitive manual entry while keeping the agent as the final decision-maker on every transaction.

Auditability by design

Organization/Station architecture and audit logs mean every action can be traced back to a device, agent, and time.

Enterprise onboarding

Stations and devices are provisioned and trusted deliberately, so scaling to more agents doesn't mean scaling risk.

Why MoMo Assistant

What operators are saying

“Placeholder testimonial: since we moved our stations onto MoMo Assistant, reconciling transaction history at the end of the day takes minutes instead of hours.”

Ama Owusu

Operations Lead

“Placeholder testimonial: Device Trust gave us the confidence to let agents use their own devices without losing control of the SIMs.”

Kwabena Asante

Station Manager

“Placeholder testimonial: audit logs are the first thing we check now when something looks off — it's saved us more than once.”

Efua Mensah

Compliance Officer

Simple plans, built to scale with your organization

Starter

For a single station getting started with automation.

Free

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Professional

For an agency that's outgrown a single station.

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Business

For organizations running multiple stations.

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Enterprise

Custom policies, onboarding, and support at scale.

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Frequently asked questions

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