• MbiyoPay integrates mobile money, bank cards, crypto and digital tools into a single payment platform.
• The app is already operational in the DRC, Cameroon and Côte d’Ivoire after a 2023 launch.
• Founder Joel Mirimo previously created Maxuschain, a crypto-trading platform supporting 30+ cryptocurrencies.

In the Democratic Republic of Congo, entrepreneur Joel Mirimo has launched MbiyoPay, an application that consolidates digital payments by integrating mobile money, bank cards, cryptocurrencies and other digital solutions. The company aims to simplify and secure financial transactions for users across multiple African markets.

Mirimo, the founder and CEO of MbiyoPay, developed the platform to help consumers manage payments from a single smartphone. The app reflects his broader goal to streamline day-to-day transactions and expand access to digital financial tools.

MbiyoPay, founded in 2023, enables users to create virtual cards, receive money, pay bills and buy mobile credit without switching between multiple services. The platform centralizes transactions and reduces fragmentation by allowing users to collect payments from clients or receive transfers from individuals in one digital environment.

The app accepts several payment methods, including mobile money, bank cards, cryptocurrencies, QR codes, payment links and its own dedicated virtual card. MbiyoPay allows users to recharge the virtual card and make secure online payments on international platforms.

MbiyoPay has already rolled out services in several African countries, including the Democratic Republic of Congo, Cameroon and Côte d’Ivoire. Users can verify availability in each market directly through the app. The platform also lets users transfer funds to mobile money accounts, bank accounts or crypto wallets depending on their preferred channel.

Before launching MbiyoPay, Mirimo founded Maxuschain in 2022, a platform offering instant cryptocurrency trading via mobile money. Maxuschain supported more than 30 cryptocurrencies and integrated four blockchains.

Mirimo holds a bachelor’s degree in marketing and commercial and financial sciences obtained in August 2025. He worked as a payment agent and broker at Deriv, an international financial company, from 2021 to September 2025. He also served as business development director at Afgig, a 100% African marketplace connecting continental talent to global markets, from 2021 to 2024.

This article was initially published in French by Melchior Koba

Adapted in English by Ange Jason Quenum