Networked payments powering banking transformation
from Latin America to the World.
Bank grade infrastructure to modernise payment networks and banking services for clearinghouses and banks.
Scaling Leading Financial Institutions
Proven at national scale
The Infrastructure Behind the Fastest Growing Switches and Gateways
We deploy more than just software for clearinghouses, banks, fintechs and enterprises. Our partnerships transform national economies and launch national-scale switches and gateways that scale from pilot to millions of active users, with exponential growth, efficient operations, and real-world ROI. We handle millions of transactions a day so you can scale your enterprise.
37M+
Registered users
40M
Transfers per month
1.5M
Daily active users
Minka Switch
Fast payments for clearinghouses and central banks. Zero fraud. 99.999% Uptime.
The Minka Switch is a fast payments network enabling account to account transfers between financial institutions. Our cloud offering mitigates fraud and establishes payment certainty through immutability. Push Payments, Request for Pay, Bulk Payments and Alias Directory allow the network to deploy new uses cases in an economy.
Minka Gateway
Payments orchestration and processing for banks and financial institutions. 24/7/365.
The Minka Gateway connects your banking core directly to payments networks so you can grow service offerings for corporate and retail customers. Our integration supports multiple rails reducing the cost of siloed systems, and streamlines your transaction settlements process.
One Product Suite. Many Configurable Solutions.
Our product suite of Minka Ledger, Bridge and Studio deploys solutions for national clearinghouses, local banks or emerging fintechs, and can be developed to meet your specific use case, whether you are building a national payments switch or online payments gateway.
Seamless money movement
Process payments and collections in seconds, not days.
With Minka Ledger’s payments protocol, every transaction, from initiation and clearing to final settlement, happens in real time, 24/7/365. And because reconciliation is continuous and automated through our immutable ledger and two-phase commit protocol, institutions eliminate the manual, error-prone processes that slow down today’s fragmented systems
Modular platform development
Build once but grow endlessly. Our platform is built for interoperability with everything from core banking systems to centralised settlement, from alias directory services to 3rd party initiations.
Empowering participants
Build resilient payment networks for your customers. From onboarding participants to developer tools, from claims to our web portal, we provide you the tools to operate at scale.
Visibility and security
Operate faster with full traceability. We offer everything you expect from enterprise grade software, from reporting and observability, to fine tuned access control and events.
Case study
How Transfiya Launched a National RTP System in Months
As cloud adoption accelerates across the financial industry, Colombia’s most disruptive companies are leading the charge. To deliver fast, inclusive, 24/7 payment services through Transfiya, ACH Colombia partnered with Minka and Google Cloud, combining real-time infrastructure with seamless scalability.
- 18,000 daily transactions in year one — spiking to more than 2 million a day in 2025
- 15M+ users onboarded across 40+ banks
- 24/7 availability across all regions
Modules
Why Build With Minka?
Everything participants need to operate and stay compliant.
Empowering your network
Participant Management
Handle participant configuration, onboarding, limits, KYB, billing and certification
Participant Support
Provide documentation, integration support, developer tools and automated testing
Claims and Disputes
Review and resolve participant claims with bulk resolution capabilities
Studio - Web Portal
Web interface for system access and management
Participant Tooling
Enable payment tracing, error tracking, billing and reconciliation reporting
Provider Growth
Handle PR, UX guidelines and messaging
Move money efficiently in an instant payment network
Network power for seamless money movement
Payment Protocol
Support two-phase commit, ISO 20022 and other payment standards
Transfer Rules Management
Configure business rules including payment limits
Payment Initiation
Provide payment interface for sending, requesting and recurring payments
Payment Clearing
Orchestrate payments between participants instantly
Payment Settlement
Generate net position reports and handle rebalancing
Keep the system healthy
Stability, monitoring and security
Event Observability
Real-time system event monitoring
Security observability
Audit log review and incident alerting
Support tooling
System monitoring, transaction review, error handling, alerting and participant management
Reporting
Deliver raw data, standard reports, reconciliation reports, billing and custom reports
Reconciliation
Provide manual reporting or continuous reconciliation for participants
Access Control
Centralized access management with MFA, RBAC and key rotation
Integrate freely, and connect with the systems that matter.
Built to expand
Payment Integrations
Connect with third-party fraud systems and log external responses
3rd Party Initiation
Enable approved third parties to conduct initiation with overlay services (QR, Apple Pay)
Payment Interoperability
Unified interface supporting smart routing across multiple payment networks (ATM, Instant Payments, Visa)
Alias Directory
Manage alias resolution and connections to third-party directories
Integrations Observability
Enable observability through standard DevOps tools and SOC2 compliance
Modules
Everything You Need to Transform Banking
National RTP Systems Playbook
Launch fully compliant payment systems in under 90 days with tested playbooks and infrastructure.
Transformed Colombia with Transfiya, the nations first low payments network reaching 40M annual P2P and P2M transactions between 40 banks with expansions launching in 2026.
ACH Colombia.
Accelerated deployment of Colombia’s new payments switch for a consortium of banks and enterprises aimed at reducing operating costs and expanding fast payments service offerings.
Servibanca
ISO 27001:2022
End-to-end information security.
SOC 2 Type II
Unmatched control over sensitive cloud data.
Behind the Rails:
Innovation in Motion
Join leading clearinghouses and banks already moving faster with Minka.