# Julaya

**Canonical:** https://apis.io/providers/julaya/  
**Website:** https://julaya.co  
**APIs profiled:** 1

Julaya is a West African B2B fintech, founded in 2018 and headquartered in Abidjan, Cote d'Ivoire, that digitizes corporate financial operations across the UEMOA zone (Cote d'Ivoire, Senegal, Benin and Togo). Its pro account lets businesses send mobile money and bank transfers, collect cash and mobile-money deposits, pay suppliers and run payroll, and receive UEMOA-wide transfers via a Julaya IBAN, with multi-company sub-wallets, approval and signature workflows, real-time transaction tracking and accounting exports. Julaya is licensed as a payment establishment in Cote d'Ivoire and connects businesses to mobile-money rails including Orange Money, Wave, MTN MoMo, Moov and Wizall. A partner integration API (api.julaya.co) exposes disbursement and collection programmatically for enterprise customers.

## Kin Score — 13.3 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 13.3).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 31.6 |
| Access Clarity | 31.6 |

Regulatory layer — **Payments**: 21.9 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## APIs (1)

- **Julaya Partner API** — Auth-gated partner integration API for programmatic disbursement (mobile money and bank transfers) and collection (cash and mobile money) across the UEMOA zone. Access is provis...

## Security (1)

- **Julaya Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Payments, Mobile Money, Disbursements, Collection, Payroll, Fintech, West Africa, UEMOA, B2B Payments, Financial-Services

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/julaya/). Scores are computed from the provider's own public artifacts under a published rubric.