At Higala, we are committed to making digital financial infrastructures resilient, modern, and inclusive for financial institutions, businesses, and individuals everywhere.
The Mojaloop Foundation aims to increase global financial inclusion by empowering organizations to create connected payment systems.
Mojaloop uses the globally-recognized ISO 20022 standard to deliver a unified, standardized messaging framework. This enables seamless connectivity and interoperability among diverse financial institutions—including banks, mobile money operators, and payment service providers—promoting inclusive digital payments.
We replace legacy systems with API-first technology, empowering cooperatives and rural banks to serve their communities more effectively and thrive in the digital economy.
Higala helps microfinance institutions, rural banks, and thrift banks deliver modern, connected, and customer-centric services without the high cost or complexity of building from scratch.
Seamlessly integrate digital payments, loans, deposits, and partner services into a secure, all-in-one platform to give customers a smarter and more accessible banking experience.
As a trusted payments innovation partner, Higala helps regulators, central banks, and payment operators build low-cost, inclusive Instant Payment Systems (IIPS) and Real-Time Payment (RTP) solutions on Mojaloop, an open-source platform designed to make digital financial services accessible for everyone.
Our team brings deep technical expertise and regulatory insight to architect and deliver next-generation instant payment systems using Mojaloop. Recognized worldwide, Higala creates robust payment ecosystems that are scalable, secure, and compliant with global standards.
As a core contributor to the open-source Mojaloop IIPS, Higala provides deep technical expertise in:
Hub Business Operations & Scheme Design
IPS Consulting Services
Full Technical Deployment of Instant Payment Systems
Full Technical Deployment of Instant Payment Systems
Our ecosystem brings together three powerful solutions to build a stronger, more inclusive financial system—one that empowers institutions, accelerates innovation, and connects new players to bigger opportunities.
Higala is a digital financial solutions provider committed to accelerating financial inclusion and innovation.
We build and connect digital platforms that strengthen access to financial services and create a more resilient financial ecosystem.
Co-founded by Talino Venture Studios and Chemonics International, Higala’s mission is to make digital finance accessible for all through inclusive, affordable, and sustainable technology solutions.
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Miller Abel
Principal Technologies, The Bill and Melinda Gates Foundation
“For an affordable fee, Higala will provide all services to rural banks to help them join the InstaPay system. Its Mojaloop-backed payment switch is also 75% cheaper to operate than the current switch, thus making these digital financial services much more affordable to low-income communities in the Philippines.”
Paula Hunter
Executive Director, Mojaloop Foundation
“With the pioneering deployment of Mojaloop open source software in Asia through our collaboration with Talino's Higala, the Mojaloop Foundation reaffirms its commitment to breaking down barriers and empowering communities through financial inclusion.”
Jamey Butcher
Co-Founder and Chairman, Higala
CEO, Chemonics International
“Drawing from three decades of impactful partnerships and success in the financial inclusion space in the Philippines, Higala embodies our vision for affordable, real-time transactions accessible to all Filipino communities.”
Winston Damarillo
CEO, Talino Venture Studios
“At Talino, we are committed to the sustainable execution of development that benefits all stakeholders, especially the unbanked. With Talino and Chemonics providing funding for Higala, we bring together the impact of venture investing and global good to expand the benefits of financial inclusion to segments that need them most.”
Mamerto E. Tangonan
Deputy Governor, BSP
“The BSP supports continued efforts to enhance the efficiency of the national payment system and help modernize the Philippines’ digital payments infrastructure as part of our ongoing efforts to bring more users into the digital payments system.”
Lito Villanueva
Executive Vice President and Chief Innovations and Inclusion Officer, RCBC
“Higala and RCBC share a vision of a country where finance is accessible to all, enabling dreams and aspirations. By forging this partnership, RCBC is proud to advance our financial inclusion efforts, creating more opportunities for entrepreneurs and consumers to experience fun, hassle-free, and empowering banking.”
Let’s connect, share insights, and build a stronger, more inclusive financial ecosystem.
