Mamlaka Hub and Spoke is a fintech company based in Kenya that offers digital payment solutions to both individuals and businesses across the African continent. By utilizing blockchain technology, the platform facilitates fast and secure cross-border payments, as well as an array of other financial services, including foreign exchange and remittances. The company has successfully reduced the cost of remittances in Africa by pioneering real-time peer-to-peer money transfers, which now stand at just 4.5%.