Julaya

Julaya is a 100% online business account for companies in West Africa that need to centralize payments, collections, and transaction tracking across mobile money and bank rails.

Key capabilities include:

• Mobile money and bank transfers from a single account, including bulk payouts for use cases such as payroll and supplier payments.
• Cash and mobile money collection, with instant deposits and access to 13,000+ cash collection points in Senegal (based on the research brief).
• Real-time tracking and audit trail, including notifications, searchable transaction history, and the ability to export accounting reports and attach scanned receipts/justifications for reconciliation.
• Multi-accounts and controls, including sub-accounts, access levels, and validation (approval) policies to match internal signing workflows.