“Can a mobile-first, Africa-focused multi-currency wallet become the default cross-border payments and spending layer for the African diaspora and emerging markets?”
Founded in 2020, Changera launched as a mobile-first cross-border payments and multi-currency wallet platform focused on Africa and the African diaspora. The platform expanded to include virtual Visa cards, stablecoin support (USDT, USDC), and Stellar network integrations via MoneyGram for cash-in/cash-out. In 2023 it became part of the Bitmama ecosystem through the Payday acquisition, deepening its blockchain-based cross-border rails. The company also established a UAE-licensed virtual asset custody entity (Changer.ae) under the Abu Dhabi Global Market FSRA.
Changera discloses Evolve Bank & Trust as its banking provider, according to the Embedded Finance Index 2026.
Changera does not disclose a bank charter of its own; its banking services are provided through Evolve Bank & Trust.
Changera moves money over ACH, SWIFT and SEPA.
Changera uses MoneyGram and Stellar network for FX and cross-border payouts.
Changera's crypto products run on MoneyGram (Stellar) and Stellar network.
The Embedded Finance Index 2026 maps 5 layers in Changera's stack: Money movement (ACH, SWIFT and SEPA); Banking / BaaS (Evolve Bank & Trust); Sponsor bank (Evolve Bank & Trust); FX & payouts (MoneyGram and Stellar network); Crypto (MoneyGram (Stellar) and Stellar network).
Changera is founded in 2020 and headquartered in Claymont, Delaware, United States.
Get a read on where your own stack stands against Changera and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.