Tulupay has announced the prelaunch of its Financial Operating System, a unified platform designed to connect traditional finance and emerging digital financial systems across Africa. The company, which operates in markets including Nigeria, Kenya, Ghana, and Rwanda, said the new system is being developed as a foundational infrastructure to bridge Web2 and Web3 technologies.
It aims to create a seamless, interoperable ecosystem that integrates banking services, digital wallets, mobile money, blockchain networks, and regulatory frameworks into a single operational layer.
The platform is positioned as a response to long standing inefficiencies in Africa’s financial system, particularly fragmented payment rails and high cross border transaction costs. Founder Felix Achibiri noted that the absence of a unified infrastructure has continued to slow financial inclusion and innovation across the continent.
He said the Financial Operating System is intended to provide that missing link, enabling faster, cheaper, and more secure transactions while supporting emerging trends such as central bank digital currencies and digital asset adoption. According to him, the broader goal is to unlock Africa’s trade potential under the African Continental Free Trade Area by creating a borderless financial ecosystem.
Tulupay said the system will feature a suite of integrated components, including a compliance and digital identity layer, an interoperability hub for payments, a pan African trade gateway, and multi asset custody solutions. Other elements include a tokenization and exchange infrastructure for digital and real world assets, as well as a purpose built blockchain network designed to support regulated financial activities.
The company explained that these components are structured to enable individuals, businesses, and institutions to seamlessly manage transactions, investments, and cross border trade within a single platform, while maintaining regulatory compliance and data security.
The announcement comes as the company deepens collaboration with global and regional partners, including The Hashgraph Group, to support the technology backbone of the system. Tulupay also confirmed its participation in the FinTech Incubation Programme of the Securities and Exchange Commission Nigeria, a move aimed at securing regulatory approval for digital asset custody and exchange services.
As prelaunch pilots begin, the firm said it is working with financial institutions, developers, and regulators to refine the platform, positioning it as a potential driver of the next phase of Africa’s digital financial transformation.