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Moja
Techstars '23Cambridge, US · 4 known investors
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Moja is a financial technology platform that enables families and friends to save money together across geographic boundaries. The company builds tools designed to strengthen family bonds and build communities rather than disrupt traditional social structures.
Also known as Moja by aidx · withmoja
Founders & leadership
Investors · 4
How we know: the Techstars portfolio · open dataset · Top 3000 Accelerator Startups (no YC) 2026-08 · Not right? Tell us
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Company profile
researched Sep 2026Moja is a financial platform that lets individuals save, send and earn in USDC (a US-dollar-pegged stablecoin issued by Circle) together with family and friends located in different countries. Users create a personal USDC wallet and can set up group savings wallets, inviting participants by text, email or WhatsApp. Group functionality includes setting savings goals, contributing funds, a shared ledger visible to all members, notifications of activity, administrator approval of new members, and multi-signature approval of withdrawals. Each user may hold one personal wallet and up to five group savings wallets.
The product is delivered as a web application accessible from mobile or desktop browsers without an app-store download, and is built on the Stellar network. Money enters and leaves the system through third-party on- and off-ramps such as Binance, Coinbase, MoonPay and local providers; the company states that Moja can be used without a traditional bank account but requires an internet connection. Moja runs a KYC process on every user and describes its security approach as combining blockchain security, encryption and multi-signature verification.
Moja is built by aidx, a technology company focused on financial tools intended to strengthen families and communities. The company frames its product against the long-standing global practice of informal savings groups — variously known as susu, chit funds or tandas — and positions itself as addressing the trust, transparency, cost and coordination problems that arise when members of such groups are geographically dispersed.
Founding story
Moja was founded by Gerard McHugh (CEO), also the founder of Conflict Dynamics International, whose career spans nursing, engineering and political science and who is a naval engineering graduate of MIT, and by Tarig Hilal (CPO), previously with Conflict Dynamics International, the World Bank, the National Democratic Institute and a consultant to business in Africa, and a graduate of SAIS, the Harvard Kennedy School and MIT Sloan.
Business model
Moja offers a consumer web application for individual and group USDC wallets. Transactions within Moja, including transfers between Moja users, are stated to be free; a small charge applies when withdrawing funds from Moja to an external account, and third-party on-ramp/off-ramp providers may levy their own conversion fees.
The company states that in-app transactions are free and that a small charge applies to withdrawals from Moja to external accounts.
Traction
The website publishes testimonials from named early users referencing group approval of withdrawals, notifications, shared ledgers and remote participation in savings groups, and the company operates an early-community sign-up process. A Techstars listing places the company at pre-seed stage with 1-10 employees.
Latest developments
The company's most recent listed article, "Connecting The Dots," is dated April 24, 2024. The product is presented as live, with USDC wallets and group savings wallets available worldwide outside the United States and the United Kingdom.
▸Full profile — market position, technology, go-to-market, geography, history, risks & controversies
Market position
Moja describes itself as the first cross-border group savings product built on USDC, operating in the intersection of stablecoin payments, remittances and informal savings-group finance.
Combines group savings mechanics — shared ledgers, contribution tracking, member approval and majority approval of withdrawals — with stablecoin rails intended to provide fast, low-cost cross-border transfers, delivered through a browser rather than a downloadable app.
Technology
Moja is a browser-based web application built on the Stellar blockchain, using USDC as the unit of account for savings and transfers. Group wallets rely on a shared transaction ledger, notifications, administrator-approved membership and multi-signature authorisation of withdrawals. Security measures cited include blockchain security, encryption, multi-signature verification and KYC checks on every user.
Go-to-market
Direct sign-up through the Moja website with no app-store download required; group growth occurs through member invitations sent by text, email or WhatsApp. The company runs an early-community sign-up form and publishes articles on group savings and USDC, and provides customer support via WhatsApp and in-app chat.
Families and groups of friends who save collectively and are spread across different countries, including people without access to traditional banking. Availability is worldwide with the exception of the United States and the United Kingdom.
Geography
Registered in the United States with offices in the United Kingdom and Kenya; company profiles also list Cambridge, Massachusetts and London locations. The service is available worldwide except in the United States and the United Kingdom.
History
A Techstars company profile lists Moja as founded in 2019, at pre-seed stage with 1-10 employees. The company publishes articles dated as early as July 2020 and as recently as April 2024, and the product is presented as a live web application built by the technology company aidx.
Risks & controversies
Moja notes that blockchain transactions cannot be reversed once sent, that an internet connection is required, and that the service is not available in the United States or the United Kingdom. Users depend on third-party exchanges and local providers to convert between USDC and local currency, which may charge conversion fees.
Compiled by commissioned research from 8 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
Timeline · 2
launches, deals, and filingsMoja offers a web-based application built on the Stellar network providing individual USDC wallets and group savings wallets with shared ledgers, member approval and multi-signature withdrawal approval, available worldwide except the United States and the United Kingdom.
Techstars company profile lists Moja as founded in 2019, at pre-seed stage, with operations associated with London, UK and Cambridge, MA, USA.
Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.
▸Research sources · 8
primary sources listed
- Mojawithmoja.com · web
8 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Moja do?
- Moja is a browser-based platform for cross-border group savings and transfers using USDC on the Stellar network.
- Who founded Moja?
- Moja was founded by Gerard McHugh, Tarig Hilal.
- Who are Moja's investors?
- Moja's investors include Techstars, Dnx Ventures, mint VC, Toyota Tsusho.
- Where is Moja headquartered?
- Moja is headquartered in Cambridge, US.