Higala — Payments and Digital Banking Infrastructure

We built the interoperable rail that connects financial institutions directly to InstaPay.

Because we operate the sole Platform Bank program recognized by the BSP, partnering with Higala directly accelerates your EPFS licensing path.

The interoperable rail

Instead of building your own costly pathway to the national payment network, plug directly into InstaPay via our interoperable rail.

The only BSP-recognized Platform Bank program

Not a vendor claim about compliance. A program the central bank already recognizes.

A faster EPFS licensing path

Partnering with Higala accelerates your Electronic Payment and Financial Services licensing process.

Explore our solutions and choose where to go next across Lending, Inclusive Instant Payments, and Platform Banking.

Digital Lending Platform

Lend digitally end to end, from application to repayment.

Higala helps you digitize the loan lifecycle — from origination, underwriting, servicing, to real-time collections over InstaPay. Higala's digital lending sits right alongside your existing core banking system. Keep your core. Skip the migration.

Explore the platform

Collect — repayments settle in real time and post themselves. No T+1 batch file.
Originate — digital application, electronic KYC, and approval workflows you configure.
Score — underwriting rules you control, informed by your own repayment data.
No upfront CapEx — we earn when you earn, taking only a share of the interest you collect.

Platform Bank

Modern banking services without building from scratch.

Scale rapidly with Higala's ready-to-deploy digital platform. We help rural banks, MFIs, and coops launch digital loans and payments with minimal upfront CapEx, backed by institutional-grade risk management and the regulatory oversight of our sponsor banks.

Know More

Digital payments — send and receive over national real-time rails.
Deposits and loans — core banking services delivered as a platform.
One console — operations, reconciliation, and reporting in a single place.
Built for supervised institutions — controls and audit trails your examiners expect.

Inclusive Instant Payments

Low-cost instant payment systems, built on Mojaloop.

As a trusted payments innovation partner, Higala helps regulators, central banks, and payment operators build low-cost, inclusive Instant Payment Systems (IIPS) and Real-Time Payment (RTP) solutions on Mojaloop. Our team brings deep technical expertise and regulatory insight to architect and deliver these systems.

Get in touch

Hub business operations and scheme design.
IPS consulting services for regulators and operators.
Full technical deployment of instant payment systems.
Open standards — Mojaloop and ISO 20022, not proprietary lock-in.

Interaction: click a collapsed rail — or its expand button — to open that segment. One panel is open at a time; Digital Lending is the default. Arrow keys move between panels, Enter or Space opens the focused one.

Modernize without the multi-million peso CapEx trap.