While Silicon Valley debates AI ethics, Julaya is quietly processing millions in transactions across West Africa. This isn't another fintech unicorn—it's a pragmatic solution for businesses navigating fragmented financial systems where mobile money and traditional banking barely speak the same language.

"Julaya isn't trying to be Africa's Stripe—they're building the operating system for cross-border commerce where mobile money isn't a feature, it's the foundation."

The tech stack tells a story of pragmatism: Next.js for performance, Tailwind CSS + Bootstrap for rapid iteration, and Hotjar for understanding user behavior. They're not chasing bleeding-edge frameworks—they're shipping reliable products. The absence of public funding data is telling: they're either bootstrapped or strategically private, avoiding the growth-at-all-costs trap that plagues fintech.

• Multi-currency support for Francophone Africa's fragmented banking landscape
• Mobile money integration as first-class citizen, not afterthought
• Enterprise features (Deloitte partnership signals) without enterprise complexity
• Regulatory navigation built into product flow (tax compliance keywords)