Payout infrastructure built for IMTOs
Control margins, negotiate rates, and deliver fast, reliable remittances across multiple channels with a single integration.
One API. Full
market coverage.
Growing a money transfer business means expanding reach and improving payout performance, but maintaining separate integrations with banks, mobile wallets, cash agents, and billers across multiple regions quickly becomes unmanageable.
Songhai Exchange changes the game.
Through a single API, IMTOs gain access to direct connections with global and domestic payout partners. We handle the backend complexity so you can offer account payouts, mobile money, cash pick-up, and bill payments—with full control over pricing, FX margins, and speed.
Challenges IMTOs face
What Songhai Exchange (SHE) solves
Low Payout Control
Margins are squeezed by intermediaries
Negotiated Rates
Work directly with payout partners to improve FX spreads and fees.
Complex Vendor Management
Too many systems, contracts, and operational overhead
Too many systems, contracts, and operational overhead
One Connection
One API, one contract, one dashboard, fully managed.
One API, one contract, one dashboard, fully managed.
Limited Delivery Options
Customers expect more than just bank payouts
Customers expect more than just bank payouts
All-in-One Infrastructure
Account, mobile, cash, and bill payments, ready to deploy.
Slow Settlement & Reconciliation
Delivery lags and poor visibility.
Real-Time Processing
Instant payouts and transparent reconciliation tools.
Compliance Burden
Regional KYC/AML complexity eats resources.
Built-In Compliance
Integrated KYC, AML, and fraud controls.
Control, profitability,
and scale—built-in
Take Control of Your Margins
Insourcing payouts through SHE gives you direct access to payout partners. You set the terms, negotiate FX, and retain more revenue.
Maximise Global and Domestic Reach
Connect to mobile wallets, cash outlets, banks, and billers—all through a single integration. SHE gives you instant connectivity without the cost of building new corridors.
Scale Payouts, Not Overhead
Add countries and channels without growing your tech or ops team. Our infrastructure is pre-integrated and built to scale with you.
Compliance That Works for You
Stay ahead of regulations with automated KYC/AML, transaction monitoring, and robust fraud checks across markets.
Meet every recipient where they are, without building from scratch
Account-to-
Account Transfers
Secure, direct-to-bank remittances
Cash Pick-Up
Wide agent coverage for recipients without bank access
Mobile Money
Instant payouts to mobile wallets
Bill Payment
Enable remitters to pay for utilities, airtime, tuition, and more
Go Direct. Go Global. Go Profitable
Songhai Exchange helps IMTOs unlock new markets, reduce payout costs, and take full control of their remittance network.
Take control of
YOUR Payout Network
with Songhai Exchange