Mojaloop Community Central

The Mojaloop Foundation Publishes Its Policy on the Responsible Use of AI Tools in the Community

James Bush — Mon, 13 Apr 2026 13:33:14 +0000

The Mojaloop Foundation is pleased to announce the publication of its policy on the responsible use of AI tools within the Mojaloop community. As AI technologies become increasingly embedded in how we design, build, and operate software, it is important that their use aligns with the Foundation’s principles of openness, transparency, and trust.

The policy provides clear guidance on how community members may use AI tools in ways that support collaboration and maintain the integrity of the Mojaloop open source ecosystem. It covers areas such as the use of AI for documentation, code development, and participation in community discussions, with an emphasis on human accountability and transparency.

This policy has been reviewed and endorsed by the Community Council, reflecting a shared commitment across the community to adopt AI responsibly while continuing to encourage innovation and contribution.

Given the rapid pace of change in AI technologies and their applications, this policy will be reviewed and updated regularly to ensure it remains relevant and effective.

You can read the full policy here:
https://docs.mojaloop.io/community/standards/ai_policy.html

We welcome feedback from the community as we continue to evolve our approach in this important area.

Replica Configuration, Scheduling, and Repeatability (Part 5 of 6)

Chris Law — Mon, 23 Mar 2026 12:19:56 +0000

In Part 5 of our Mojaloop v17 series, we focus on repeatability, ensuring performance remains stable and predictable under sustained load.
We refined deployment topology using topology-aware scheduling and resource isolation, reducing run-to-run variance and stabilising behaviour across replicas.

At a national scale, inconsistent pod placement and resource contention can quickly undermine throughput gains. These changes ensure the platform delivers consistent transaction processing, even during peak periods.

Replica Configuration, Scheduling, and Repeatability (Part 5 of 6)

Delivered in support of programmes led by the COMESA Clearing House, COMESA Business Council, GamSwitch Company Ltd, Institute for Inclusive Digital Africa, and the Central Bank of The Gambia.

Kafka Design for Real Throughput: Partitioning, Ordering, and Concurrency (Part 4 of 6)

Chris Law — Thu, 19 Mar 2026 11:26:52 +0000

In Part 4 of our v17 series, we focus on the event backbone — how Kafka design underpins sustained, high-throughput processing across the switch.

We revisited message flow design to enable true parallel processing, aligning partitioning with business domains and tuning concurrency to maintain correctness without limiting scale.

At a national level, small inefficiencies in partitioning, ordering, or consumer stability can quickly become bottlenecks. These changes ensure the platform delivers stable, predictable performance under sustained load.

Kafka Design for Real Throughput: Partitioning, Ordering, and Concurrency (Part 4 of 6)

Delivered in support of programmes led by the COMESA Clearing House, COMESA Business Council, GamSwitch Company Ltd, Institute for Inclusive Digital Africa, and the Central Bank of The Gambia.

Zero-Touch Kubernetes Networking with NetBird

Chris Law — Wed, 11 Mar 2026 13:10:30 +0000

A recent engineering write-up on netbird.io highlighted how the INFITX Africa platform team built a zero-touch private networking for Kubernetes environments using NetBird.

As our infrastructure spans on-premise and AWS environments, we needed a way for clusters to automatically join a secure private network without manual configuration or VPN management.

Using NetBird, Kubernetes Operators, and Crossplane, networking is now fully declarative and automatically provisioned as new clusters are created.

A great example of how cloud-native tooling can simplify secure infrastructure at scale.

INFITX Africa - Zero-Touch Kubernetes Networking

netbird.io - INFITX Africa Engineering in Focus: Zero-Touch Kubernetes Networking

Delivered in support of programmes led by the COMESA Clearing House, COMESA Business Council, GamSwitch Company Ltd, Institute for Inclusive Digital Africa, and the Central Bank of The Gambia.

Removing Bottlenecks at the “Front Door” (Ingress and Gateway Path) (Part 3 of 6)

Chris Law — Tue, 10 Mar 2026 13:00:10 +0000

In Part 3 of our v17 series, we look at the ingress and gateway layer — the critical “front door” of the switch that determines how efficiently transaction traffic enters the platform.

We modernised the gateway path to unlock the full performance potential of the core services, introducing high-performance ingress components and optimising identifier handling for high-concurrency processing.

At a national scale, even small architectural constraints can become throughput bottlenecks. These changes ensure the platform can sustain high transaction volumes while maintaining security, efficiency, and global interoperability.

Removing Bottlenecks at the “Front Door” (Ingress and Gateway Path) (Part 3 of 6)

Delivered in support of programmes led by the COMESA Clearing House, COMESA Business Council, GamSwitch Company Ltd, Institute for Inclusive Digital Africa, and the Central Bank of The Gambia.

Batching, Caching, and Cutting “Chatty” Work (Part 2 of 6)

Chris Law — Mon, 02 Mar 2026 15:30:04 +0000

In Part 2 of our v17 series, we highlight the architectural refinements designed to unlock sustained, high-volume throughput.

We have optimized the critical path by introducing high-efficiency batching for transfer workflows and streamlining processing steps to minimize latency.

At a national scale, every millisecond counts. These structural enhancements ensure the platform remains lean and responsive as transaction volumes grow, providing a future-proof foundation for global financial inclusion

If you operate or govern a national payment infrastructure, this series is written for you.

Batching, Caching, and Cutting “Chatty” Work (Part 2 of 6)

Delivered in support of programmes led by the COMESA Clearing House, COMESA Business Council, GamSwitch Company Ltd, Institute for Inclusive Digital Africa, and the Central Bank of The Gambia.

Building World-Class Mojaloop Platforms Together (Part 1 of 6)

Chris Law — Mon, 23 Feb 2026 11:56:40 +0000

Mojaloop is increasingly being relied upon as a national and regional payment infrastructure. In that role, performance is not a vanity metric; it is a trust requirement.

In Part 1 of our six-part series, we explore why sustained throughput, predictable latency, operational stability, and security-enabled performance are foundational to production-grade payment switches

Drawing on INFITX’s performance engineering work in Mojaloop v17, delivered in collaboration with the Mojaloop Foundation and adoption partners including COMESA DRPP and GISP Bantaba 2.0, we outline the core optimisations and reproducible deployment approach that strengthen real-world platform readiness

If you operate or govern a national payment infrastructure, this series is written for you.

Building World-Class Mojaloop Platforms Together (Part 1 of 6)

Delivered in support of programmes led by the COMESA Clearing House, COMESA Business Council, GamSwitch Company Ltd, Institute for Inclusive Digital Africa, and the Central Bank of The Gambia.

Attention developers: Nathan Delma is here to work with you!

Paula Hunter — Fri, 07 Nov 2025 15:00:00 +0000

https://mojaloop.io/nathan-delma-mojaloop-foundation-community-engineering-lead/

Workstream Status Updates

Paul Makin — Mon, 06 Oct 2025 14:00:52 +0000

Following in-depth updates at the Workstream Leads call last Thursday, 2nd October, the latest, detailed statuses of all of the workstreams can be reviewed at https://community.mojaloop.io/active-workstreams

You can also view a brief, summary version of these statuses by clicking here.

Community Council Minutes 2025-09-08

Juliana Gordon — Thu, 11 Sep 2025 16:29:14 +0000

1.0 WELCOME, ROLL CALL, AGENDA REVIEW, MINUTES APPROVAL

Mr. Simeon Oriko welcomed the group, called the meeting to order at 9:04 AM ET and reviewed the agenda. Quorum was not reached.

2.0 MOJALOOP CONVENING UPDATE

Mr. Oriko updated the Council on activities surrounding the upcoming Convening. A request was previously sent to Council members for recommendations of those who could sit on the Program Advisory Committee. None have been submitted. The goal of the PAC is to create a draft agenda, champion the event within participant organizations, and bring in more speakers.
Mr. Oriko asked the group if we should move forward with the PAC, which the Council affirmed. Mr. Oriko then requested names of proposed participants by end of day Tuesday, 9 September.
It was proposed that the PAC consist of three MLF staff members and three external volunteers, which the group agreed with. Ms. Reica Rampersadh volunteered to participate in the PAC as a volunteer.

ACTION: Mr. Oriko will bring the proposal of the PAC including three MLF staff members and three volunteers back to leadership, and requests that Council members check in with their proposed volunteers, submitting them by EOD Tuesday, 9 September.

MLF has been pursuing Central Bank of Kenya in cohost role of event. Innocent Ephraim, Steve Haley, and Victor Malu have spoken with Kenya Bank Association and Central Bank of Kenya which have tentatively agreed to participate as cohost. Mr. Haley will be making the final decision of which/both will serve in the role. If Council members have any thoughts, they should contact Mr. Haley.

ACTION: Council members should consider submitting sessions to the Convening and registering for the event.

4.0 ADJOURN: Meeting adjourned at 9:23 AM ET.

Community Council Minutes 2025-07-14

Juliana Gordon — Fri, 22 Aug 2025 15:49:00 +0000

1.0 WELCOME, ROLL CALL, AGENDA REVIEW, MINUTES APPROVAL

Mr. Simeon Oriko welcomed the group, called the meeting to order at 9:04 AM ET and reviewed the agenda. Quorum was reached, and the Minutes of 2 June meeting were approved.

2.0 MOJACOM 28 UPDATE

Mr. Oriko reported that the Virtual Convening is next week. The focus of the event is technical but it will also cover key topics in discussions. Updates for all workstreams in Community.io as of July 3. 70-80 registrants, expecting more.

3.0 COMMUNITY MEETING IN NAIROBI

Mr. Innocent Ephraim reviewed the proposal to engage local stakeholders and identify a lead institution to champion the Convening with their government and banks.
Mr. Oriko reports that the Foundation welcomes this but isn’t sure how to implement.
Coordinated by IPSL or Central Bank, Kenya Bankers Association, gov’t agency/dept responsible for Financial Inclusion.
There is a need to create a value proposition for Conveners. Suggestions were as follows:
Benefits for convener: co-branding, financial inclusion agenda and alignment, opportunity to shape national policy or their agenda as co-created during engagement
No financial commitment would be required from conveners. MLF would request that they invite local entities and help to co-create the agenda.
The Program Committee should include representatives from Central Bank Kenya, FSD Kenya, and Fintech association.
Mr. Oriko recommended a call with Mr. Victor Malu once scope and value prop is complete to determine the best way to approach Central Bank of Kenya. Mr. Ephraim will also participate, and Mr. Oriko requested additional Community Council members join if able.

ACTION: Mr. Oriko will draft a document outlining Benefits to and expectations of conveners and share with community council members for review before approaching Central Bank Kenya for a meeting.

4.0 ADJOURN: Meeting adjourned at 9:58 AM ET.

PI 28 Workstreams

Paul Makin — Thu, 14 Aug 2025 13:45:45 +0000

I've updated the list of workstreams for PI 28 - you can see them here: https://community.mojaloop.io/active-workstreams

One change is that I'm not using the airtable to give an indication of future roadmap. So not all of the workstreams are currently active. One the left hand side each has one of the following classifications:

"Active - High Priority". These are the workstreams that we need to complete with some urgency. Together they define the standard set of functionality Mojaloop deployments need in order to achieve their potential.
"Active". These are important workstreams, but we can afford to complete them at a more leisurely pace.
"High Priority Candidate". The first roadmap category, these workstreams are needed with a greater or lesser degree of urgency, but we don't currently have capacity to begin them.
"Not Yet Begun". This is the second of our roadmap categories. A workstream in this category is something we know needs to be done, and is reasonably well defined, but we do not currently have an adopter asking for it.

When you're viewing the rather crowded spreadsheet, don't forget to click on the "View Larger Version" button at bottom right.