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The Blueprint for a Nation: How ACH Colombia Launched Transfiya, a National Real-Time Payment Network

15M+ Registered Users

Reached a peak of 43M+ transactions in a single month

Live in Months, Not Years

The Mandate for a Modern, Interoperable Colombia

As the long-standing engine of Colombia’s financial industry, ACH Colombia faced a new national mandate to build a modern, 24/7 real-time payment network. The objective was to provide all Colombians with an instant, easy way to transact, unifying a fragmented ecosystem of competing banks and digital wallets.

A Partnership Model Built on Modern, Modular Architecture

ACH Colombia selected Minka as its strategic partner to architect and build Transfiya. The solution was a comprehensive partnership model powered by Minka’s cloud-native payment infrastructure.

The Minka model provided a neutral, interoperable rail that connected all participants, turning a competitive market into a unified network. The core of the solution is Minka’s modular architecture, built on Google Cloud for massive scale and resilience:

The Immutable Ledger

A central, cryptographic book of record provides a single source of truth for every transaction, eliminating settlement risk and reconciliation delays.

The Bridge

A secure protocol allows legacy banking cores to seamlessly connect to the modern, real-time rail without requiring a traumatic replacement of their existing systems.

The Alias Directory

A user-friendly layer replaces complex bank account numbers with simple mobile phone numbers, making the service intuitive and driving mass adoption.

"Transfiya is a service created together with financial entities allowing transactions to be made only by knowing the mobile phone number, simplifying the experience of users. Transfiya makes transactions among different financial entities easier."

– Gustavo Vega Villamil, President, ACH Colombia

From Launch to a National Standard: A Story of Hyper-Growth

The launch of Transfiya transformed Colombia’s digital payment landscape. The results demonstrate the power of a modern, scalable, and user-centric approach.

Massive Adoption & Scale:

15M+ registered users:
Representing a significant portion of the country's banked population.

Peak of 43M+ transactions in a single month.

Explosive Growth

The platform scaled from 2,800 average daily transactions in July 2020 to over 2M+ at peak, proving its immense capacity.

Ecosystem Unification

40+ major financial institutions, including Bancolombia, Daviplata, Nequi, and Movii, operate on the single, interoperable network.

24/7 Availability

A resilient, cloud-based infrastructure provides uninterrupted service across all regions of the country, 365 days a year.

"Google Cloud has been of great help... it allows us to have a quality and highly secure core financial sector with innovation in many components, within which we can highlight, for example, the blockchain core that we use."

– Luis Alberto Fernandes Pulido, VP of Transactions and Technology, ACH Colombia

This Success is a Replicable Blueprint.

The Transfiya story serves as the Certainty Playbook for national payment modernisation. Our model is designed to be adapted and deployed in any country seeking to build a modern, inclusive, and interoperable financial future.
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Learn how Minka powers real-time payments across LATAM and Africa

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This whitepaper includes:

How Transfiya reached 2M+ users onboarded across 9+ banks

2M+ users onboarded across 9+ banks

Use cases for banks, ACHs, and regulators

Fast-deployment playbook for emerging markets