Infrastructure for Instant Money Movement

Minka enables clearinghouses and central banks to launch instant payment networks with secure, interoperable and modular infrastructure.

Trusted by national payment operators and participants

Why minka?

We already handle millions of transactions a day

10K TPS. Zero tradeoffs

Minka’s cloud-native architecture supports up to 10.000 transactions per seconds.

50 Million users

Already connected through networks powered by Minka’s platform, enabling fast, secure, and real-time money movement at scale.

35 institutions networked

More than 35 institutions are already connected through Minka, sharing a common platform to exchange money instantly and securely.

700M transfers with zero fraud

We built fraud prevention into the foundation: our two-phase commit protocol secures every transaction, end to end.

Case study

How ACH Colombia built a real-time network for million users

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 case

One platform for Instant Payments Systems.
For any clearing house and central bank

Minka provides the real-time financial infrastructure to simplify complex money flows, making every transaction instant, secure, and effortlessly scalable:

Seamless money movement

Payment Protocol, Initiation, Clearing, Settlement, Interoperability, Alias Directory, Transfer Rules Management and 3rd Party Initiation

Empowering participants

Participant Management, Tooling, Claims and Disputes, Support, Provider and Participant Web Portal, Transfer Rules Management and Provider Growth

Built to expand

Payment interoperability Alias Directory 3rd Party integration Payments integrations and Observability Integrations

Monitoring & security

Event and Security Observability, Support Tooling, Reporting, Reconciliation, Access Control and Event Based Integrations

Network power for seamless money movement

Move money efficiently in an instant payment network

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

Everything participants need to operate and stay compliant.

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

Keep the system healthy

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

Integrate freely, and connect with the systems that matter.

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

The future of Payments is shared and real-time

Joining leading clearinghouses and banks already moving faster with Minka

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