Address
1st Floor, Mayfair Business Center, Parklands Rd, Westlands
Email
info@tangazoletu.com
Phone
+254704420000
Tangazoletu Ltd.
Regulated Fintech · Kenya · Uganda · Tanzania · Rwanda

Powering Africa's Digital Financial Infrastructure

Since 2007, Tangazoletu has engineered regulated, mission-critical fintech engines, powering payment gateways, mobile and core banking, e-wallets and enterprise financial settlement across East Africa.

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Explore Regulated Solutions
CBK-Authorized Payment Service Provider (PSP) & Payment Gateway
CA-Licensed Content & Premium Rate Service Provider
Powering 70+ Financial Institutions Across East Africa
About Us · Est. 2007

Nearly Two Decades of Pioneering Digital Financial Solutions

Tangazoletu Limited is a fully regulated financial technology company operating at the core of East Africa's payment fabric. Where traditional ICT vendors build workflow tools, we engineer regulatory-compliant fintech engines that power SACCOs, banks, microfinance institutions and enterprise payment networks.

Authorized by the Central Bank of Kenya (CBK) as a Payment Service Provider and licensed by the Communications Authority of Kenya (CA) as a Content and Premium Rate Service Provider, we run the payment gateways, wallets and USSD, SMS and API channels that carry everyday transactions for millions.

19 +
Years Since 2007
70 +
Financial Institutions
Our Story

Agile

We embrace flexibility and adaptability in response to changing requirements and environments.

Commitment

We ensure dedication to project goals and responsibilities, delivering high-quality results consistently.

Collaboration

We prioritize teamwork and continuous communication among all stakeholders to drive success.

Learning and Growth

We are focused on learning and growth to ensure valuable outcomes are achieved.

Market Impact

Infrastructure Proven at Scale

19+ YearsIndustry Leadership Since 2007

Nearly two decades of proven institutional reliability, building and running regulated financial platforms.

10M+Monthly Transactions Processed

Mission-critical reliability at high transaction velocity, secured to banking-grade standards.

KES 50B+Processed via SpotCash & SpotPay

Financial volume routed through our core digital banking and payment rails.

70+Financial Institutions & SACCOs

Powering core banking, mobile lending and agency banking networks across Kenya and East Africa.

Core Fintech Platforms

Mission-Critical Platforms That Move Money Securely

Each platform is engineered for regulated financial services: bank-grade security, real-time settlement and integration with core banking systems, mobile network operators and mobile money rails.

Mobile, Agency & Core Banking

SpotCash

Our next-generation banking engine extends SACCO and bank services to millions of members over USSD, mobile app and agent networks, with automated member verification, instant loan top-ups and 24/7 account access, all synchronized in real time with the core ledger.

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CBK-Authorized Payment Gateway

M-Kanja Wallet & Gateway

Regulated payment gateway and wallet infrastructure for mobile money processing, merchant collections and consumer e-wallets, operated under Central Bank of Kenya authorization and its security and compliance requirements.

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Enterprise Financial Settlement

SpotPay

A high-capacity disbursement engine for payroll, produce payouts and vendor settlements, with maker-checker approval and real-time reconciliation across bank accounts and mobile wallets.

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Cross-Border Financial Rails

Tumasenti

International remittances delivered straight to the recipient's mobile wallet, integrated with local wallet clearing, foreign exchange management and real-time AML/CFT screening.

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Algorithmic Lending & Credit Scoring

Micro Savings and Lending

Digital onboarding, mobile savings and instant loans in one platform: automated credit scoring and underwriting, digital guarantorship and automated recovery that extend credit to the underserved responsibly.

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Enterprise & Public Sector

Beyond Banking

The same engineering powers county revenue collection, insurance administration, grants management, health-programme payments and loyalty platforms. Explore the full portfolio below.

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Licensed Services & Capabilities

Regulated Rails and Enterprise-Grade Engineering

USSD, SMS & Premium Rate Rails

CA-licensed Content and Premium Rate Service Provider delivering secure USSD, SMS and mobile API channels that carry everyday transactions for millions.

USSD, SMS & Premium Rate Rails

CA-licensed Content and Premium Rate Service Provider delivering secure USSD, SMS and mobile API channels that carry everyday transactions for millions.

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Enterprise Software Engineering

Integration-ready platforms engineered to banking-grade standards, from core-system and mobile money integrations to customer-facing apps.

Enterprise Software Engineering

Integration-ready platforms engineered to banking-grade standards, from core-system and mobile money integrations to customer-facing apps.

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Digital Transformation Advisory

Architecture, integration and regulatory-readiness advice that helps financial institutions modernize legacy systems with confidence.

Digital Transformation Advisory

Architecture, integration and regulatory-readiness advice that helps financial institutions modernize legacy systems with confidence.

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CBK-Authorized Payment Gateway

Authorized by the Central Bank of Kenya as a Payment Service Provider to send, receive, store and process payments, including the M-Kanja wallet.

CBK-Authorized Payment Gateway

Authorized by the Central Bank of Kenya as a Payment Service Provider to send, receive, store and process payments, including the M-Kanja wallet.

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Solution Portfolio

The Complete Tangazoletu Portfolio

Banking, payments, lending, insurance, government and health platforms, all built and supported by our own engineering team in Nairobi.

The Tangazoletu Advantage

Why Financial Institutions Choose Us

We are built for regulated finance from the ground up, not adapted from generic business software.

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1.

Bank-Grade Financial Security

Built around strict financial protocols, encryption standards and Central Bank of Kenya requirements rather than generic software logic.

2.

High-Throughput Financial Rails

Engineered for transaction velocity, real-time settlement and accurate, fully auditable reconciliation across banks and mobile wallets.

3.

Financial Inclusion Focus

Turning unbanked and underbanked people into active participants in the digital economy through USSD, mobile and agent channels.

4.

CBK & CA Regulated

Full regulatory standing as a CBK-authorized Payment Service Provider and a CA-licensed Content and Premium Rate Service Provider.

Track Record

Trusted by Kenya's Leading Institutions

From national telecoms to government ministries, our platforms carry real money for real people every day.

Safaricom M-PESA

Engineering partner to Safaricom on M-PESA products since 2010, including Lipa Na M-PESA, M-PESA Online, M-PESA 1Tap and the SurePay voucher system.

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Ministry of Health · TIBU

Designed, built and rolled out TIBU, Kenya's national TB programme management system supported by USAID, with patient-support payments disbursed on M-PESA.

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SACCOs & Banks · SpotCash

Mobile banking used by more than 70 banks, microfinance institutions and SACCOs, serving over 600,000 registered members.

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County Government

Revenue collection and funds management for county governments, integrated with agencies such as NTSA and KRA, with USSD and app payment channels for residents.

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Social Impact · FutureTech Academy

Driving Sustainable Social Impact & Empowering Future Tech Leadership

Our commitment extends beyond digital transaction rails. Through the Tangazoletu FutureTech Academy, our flagship graduate trainee program, we recruit, train and mentor the brightest young software engineering talent in East Africa to build the human capital Africa's digital economy needs.

Youth Empowerment & Career Launch

More than 100 young technology graduates have come through our intensive curriculum, gaining real-world mastery of fintech systems, DevOps and ERP architecture.

Bridging Academia & Industry

Trainees build the growth mindset, technical discipline and practical problem-solving that enterprise-grade, global standards demand.

Growing the Ecosystem

FutureTech alumni now lead DevOps, project management and software engineering initiatives at financial institutions and technology firms worldwide.

Voices From FutureTech Academy

Joining as a Software Engineer Graduate Trainee gave me a strong foundation for my career. The program sharpened my technical skills and exposed me to real-world problem-solving, teamwork and innovation in fintech. The self-mastery and growth mindset I built there still shape how I approach every challenge.

MartinCohort 1, 2019 · Lead DevOps Engineer, M-PESA Africa

The program gave me early exposure to the professional world and showed me how businesses operate in practice. The practical skills in project management, leadership and problem-solving made me stand out in interviews and prepared me to deliver results on the job.

DebbieCohort 3, 2020 · Senior Project Manager, Platcorp Group

The program kick-started my career. I gained ERP development skills on Microsoft Dynamics NAV and Business Central, with supportive mentors who walked with us through the entire journey. Those skills helped me secure a role as a Business Central Technical Consultant in Australia.

PhilipCohort 4, 2021 · Business Central Technical Consultant, Australia
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Ready to Modernize Your Financial Infrastructure?

Talk to the engineers who build and run regulated payment, banking and lending platforms every day. We will map your requirements to a proven architecture and show you the platform working.

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