Higala

Higala is a fintech startup based in the Philippines, focused on enhancing financial inclusion through open-source payments infrastructure and digital banking solutions.

Launched in 2024, Higala Technology Inc. aims to support underserved communities, rural banks, thrift banks, microfinance institutions (MFIs), and cooperatives. The company utilizes Mojaloop open-source technology and ISO 20022 standards to create affordable, interoperable instant payment systems and real-time payment solutions. Higala's offerings include an Instant Payment System that facilitates low-cost, real-time transactions and a Platform Bank Enabler that provides digital banking capabilities to smaller institutions. These platforms help traditional banks transition to digital services, enabling them to serve unbanked and underbanked Filipinos efficiently. With a mission to connect thousands of financial institutions to national payment networks, Higala is positioned as a key partner for regulators, central banks, and payment operators in the Philippines.