Minka enables clearinghouses and central banks to launch instant payment networks with secure, interoperable and modular infrastructure.
Why minka?
Minka’s cloud-native architecture supports up to 10.000 transactions per seconds.
Already connected through networks powered by Minka’s platform, enabling fast, secure, and real-time money movement at scale.
More than 35 institutions are already connected through Minka, sharing a common platform to exchange money instantly and securely.
We built fraud prevention into the foundation: our two-phase commit protocol secures every transaction, end to end.
Case study
A look inside how ACH Colombia and Minka replaced delays and fragmentation with instant payments, scaling to millions of daily transactions with cloud-native infrastructure.
View full caseMinka provides the real-time financial infrastructure to simplify complex money flows, making every transaction instant, secure, and effortlessly scalable:
Payment Protocol, Initiation, Clearing, Settlement, Interoperability, Alias Directory, Transfer Rules Management and 3rd Party Initiation
Participant Management, Tooling, Claims and Disputes, Support, Provider and Participant Web Portal, Transfer Rules Management and Provider Growth
Payment interoperability Alias Directory 3rd Party integration Payments integrations and Observability Integrations
Event and Security Observability, Support Tooling, Reporting, Reconciliation, Access Control and Event Based Integrations
Network power for seamless money movement
Payment Protocol
Support two-phase commit, ISO 20022 and other payment standards
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
Transfer Rules Management
Configure business rules including payment limits
Empowering participants
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
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
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
Joining leading clearinghouses and banks already moving faster with Minka
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