Jacques Blinbaum, a New Yorker, met Moses Kanduri from Ghana during the United Nations Week 2015. They shared a common interest in mobile payments and their discussion led to the establishment of Allied Exchange Africa Ltd. in 2017, and the creation of ALEXpay, a revolutionary payment platform designed to integrate the various mobile money platforms, the traditional banking network, and the proven Brazilian F2b billing-payment platform. Today, ALEXpay primarily integrates and scales up the segmented telco-based mobile money platforms to provide an integrated and secure platform that facilitates seamless and reliable mobile money transactions in Ghana and across Africa. Users on ALEXpay create virtual mobile money accounts that permit inflows (deposits, transfers, credits, billings, etc.) and outflows (withdrawals, transfers, purchases, payments, etc.). Moreover, online sellers are able to integrate credit card capability or cross-network money transfer functionality into their websites easily and efficiently using ALEXpay’s web service interface. In addition to ALEXpay’s payment capabilities, our platform is uniquely able to incorporate a wide range of billing services making the billing and collection process significantly more efficient and economical for our partners. All transactions are backed up with online ¬financial and accounting tools that allow our partners to control and record all transactions via an easy to use interface. The ALEXpay digital payment platform, thus, offers business, merchant, government and individual customers the opportunity to leverage digital payment systems across mobile networks, traditional banks and physical card providers for secure, convenient and reliable financial transactions across Africa.