Security and settlement
Every payment, accounted for on both legs.
Lifecycle
One reference from debit to settlement.
T+0s
1. Customer authorises
Orange Money
T+0.4s
2. Yobü routes
Policy engine
T+1.2s
3. Recipient credited
MTN MoMo
T+1d
4. Net settlement
Partner bank
YB-7KQ2-M9XA · debit orange_money · route policy_gn_01 · credit mtn_momo · settle partner_bank_gn
Controls
Designed for regulated operation.
Transaction references
Every payment carries one reference across debit, route, credit and settlement, so support and reconciliation never guess.
End-to-end PIN protection
PINs stay inside the provider's approved authentication flow. Yobü never stores or sees them in clear.
Idempotent by design
Uncertain outcomes trigger status resolution before any retry, which prevents duplicate delivery.
Partner bank settlement
Funds settle through licensed partner banks with explicit currency and settlement obligations on every route.
Priority access