Changera
“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?”
Founded2020
HQClaymont, Delaware, United States
IndustryFintech / Cross-border payments
The story
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.
Product timeline
2020
Changera launched as a cross-border payments and multi-currency wallet app targeting Africa-centric users, available on iOS and Android.· pivot
2022
Changera integrated with MoneyGram and the Stellar network to enable cash-in and cash-out of currencies globally using stablecoins.· banking
2023
Bitmama acquired Payday and announced plans to integrate it with Changera to bolster blockchain-powered cross-border payment services.· acquisition
Regulated entities
1
regulatory licence held by Changera
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
5 layers disclosed in Changera’s embedded-finance stack
Banking / BaaS
in the full report
Sponsor bank
in the full report
FX & payouts
in the full report
Crypto
in the full report
Accounting gap: minor
6 more providers across 4 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.