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Platform modernization for merchants and cross-border payments

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Broadening the reach of financial inclusions

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Empowering Banking through Open Innovation.

Higala is on a mission to revolutionize the banking industry for the better. We take pride in introducing the Philippines' most innovative open banking platform, designed to enhance convenience, security, and participation for all

Here’s what we set out to do:
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Lower the Switching Cost for Real-Time Payments and Real Time Gross Settlements

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Lower the OnRamp barrier to broaden the reach of Financial Institutions

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Modernize the Capability of the Platform to support merchants, innovative payment schemes, and cross-border payments

PLATFORM
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will enable neobanking + open payments to be highly accessible and affordable for everyone.

Account lookup

Customers can pay using usernames or phone numbers. Enables transactions between various institutions, e-wallets, and payment systems.

Quote Service

Allows merchants to accept digital payments in-person or online through customer-initiated payment push via paycode or QR.

Regulatory and Compliance

Provides mobile-first solutions in eKYC, AML and sanction checks.

Settlement

Handles transaction finalization among financial providers by calculating owed amounts from combined transactions.

Open Banking API

Enables collaboration between traditional banks and neobanks to make account opening easy and accessible. With this API, customers can effortlessly open accounts and leverage low-cost payment hubs, combining the user-friendly experience of neobanks with the established reliability and security of traditional banks.

Key Benefits of Higala
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Accessibility

Higala broadens financial access in rural and underserved areas by connecting diverse institutions, including rural banks. It enables banking in regions with limited infrastructure.

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Affordability

Higala’s innovative payment protocols reduces the cost associated with integrating other payment rails for financial service providers, making digital transactions affordable for both businesses and consumers.

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Efficiency

Higala streamlines transactions and operations by offering services that provide transparency on transaction costs and efficiently manages the finalization of transactions.

USE CASES
ABOUT US

Who we are at

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Higala is a portfolio company of Talino Venture Studios.

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Talino Venture Labs is an award-winning global venture studio for inclusive fintech. Born in the intersection of Silicon Valley and Southeast Asia, we are on a mission to bridge financial inclusion for over 1.7 billion people around the world.

Learn more about Talino
Higala Headquarters

Our main offices are located in these bustling tech hubs:
Talino US: LA
Talino PH: Ortigas, Pasig

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Inclusive Fintech Venture Builder

Pioneering projects in cross-border payments, social lending, insuretech, and freelancer banking.

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Strategic Transformation

Partnering with organizations to propel their digital capabilities and drive growth.

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Pandemic Response

Collaborating with public authorities effective quarantine management and social amelioration.

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Silicon Valley Startups

Driving innovation through the development and funding of open-source application infrastructures.

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Founded in 1975, our people drive transformative change in the communities we call home. With our diverse expertise and lived experiences, we connect globally and locally, sharing knowledge to tackle humanity's pressing challenges.

Learn more about Chemonics
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Global Roots, Local Impact

6,000 experts in 98 countries working together to create development and inclusive growth.

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Sustainable Solutions

Applying effective practices worldwide to improve literacy and support local governments.

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Multi-Sector Leadership

Pushing progress in 13 technical practical areas, including natural resource management, health, and agriculture.

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Proven Track Record of Excellence

36 years of transformative work in the Philippines, spurring advancement and opportunities.