Building the protection layer digital finance needs.

We believe trust in financial systems is tested not when things go right, but when they go wrong. Wimika exists to make what happens next clear and governed.

Read our story

Why we exist

Digital finance has transformed emerging markets, moving millions into the formal economy. But as money moves faster, so does fraud.

Institutions have invested heavily in securing their systems, and those controls stop a great deal. Many fraud attempts originate or are enabled beyond institution-controlled systems. Fraud reaches people through social engineering, coercion and device compromise, manipulating them into authorising payments to destinations they believe are legitimate.

When someone loses money this way, standard fraud controls may not apply, because the payment was authorised by the customer. Too often the loss then sits with the person who was defrauded, the institution loses a customer, and confidence in the channel erodes.

Wimika was founded to close this gap.

Our approach

Intervene early
Don't just detect fraud post-mortem. Warn and trigger preventive action before money moves.
Governed resolution
Detection without resolution is incomplete. Our technology is backed by an insurance arrangement, and every incident follows a governed process to a clear decision.
Remove ambiguity
Replace discretionary goodwill payments with governed, predictable rules.
Align incentives
Create a model where protecting the customer protects the institution's bottom line.

Built for emerging-market realities

Solutions designed around mature banking environments do not always address the realities of mobile-first emerging markets. We engineered MoneyGuard specifically for the realities of digital finance in Africa.

Mobile-first threat vectors
Our risk models focus heavily on device integrity, SIM-swap indicators, and coercion patterns typical of mobile money and wallet ecosystems.
Low-friction operation
Heavy SDKs drain battery and data. MoneyGuard is designed to operate silently and efficiently on entry-level smartphones over variable network conditions.