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.

Available on Web, Android, and iOS.

It targets SMEs, startups, large enterprises, and public institutions, especially finance directors and managing directors responsible for payments, payroll runs, and cash management.

Notable in the UEMOA market context, it supports operations in Côte d’Ivoire, Senegal, Benin, and Togo, offers a Julaya RIB for receiving transfers across the UEMOA zone, and integrates funding options through partner banks (including Ecobank, SIB, and BOA, as cited in the research brief).