Documentation
Token-x is built for Africa's 300M+ mobile money users. This guide covers supported payment providers, per-country KYC configurations, FX rates, and regulatory context for each jurisdiction.
M-Pesa Kenya
mpesa-keSafaricom STK push / C2B API
Paybill 123456, account = investorID
M-Pesa Tanzania
vodacom-tzVodacom M-Pesa USSD + REST API
Supports mobile push and pull
Airtel Money
airtelAirtel Money REST (collections + disbursements)
Kenya, Uganda, Zambia
MTN Mobile Money
mtnMTN MoMo API — RequestToPay + Transfer
Ghana, Uganda, Côte d'Ivoire
Orange Money
orangeOrange Money REST
West/Central Africa
Wave
waveWave merchant payment links
Senegal, Côte d'Ivoire, Mali
PayShap
payshapPayShap ISO 20022 / bank proxy lookup
South Africa, instant EFT
Ozow
ozowOzow EFT + SHA-512 HashCheck
South Africa
All mobile money payments are reconciled server-side via provider webhooks — the investor wallet is credited only after payment confirmation.
KESbasic-kyc-levelCMA Kenya regulatedNGNbasic-kyc-levelSEC Nigeria, CBNGHSbasic-kyc-levelSEC GhanaZARsa-kyc-levelFSCA, FIC, FICAUGXbasic-kyc-levelCMA UgandaRWFbasic-kyc-levelCMA RwandaTZSbasic-kyc-levelCMSA TanzaniaXOFbasic-kyc-levelAMF-UMOAXOFbasic-kyc-levelAMF-UMOAETBbasic-kyc-levelNBEFX rates are fetched every 30 minutes from an external API, cached in Redis, and surfaced viaGET /admin/fx-rates. The KES/USD pair is used as the base for East Africa subscription pricing.