Circle-8 Ledger Ltd — B2B Payment Infrastructure

Every payment rail.
One settlement ledger.

Leja is multi-rail payment orchestration for regulated businesses moving money across the SADC and EAC corridors — routing each transaction across banking networks, mobile money and stablecoin settlement from a single platform.

Get in touch How it works

Entry 0042 Settled

EAC SADC

Mobile Money → Stablecoin → Bank

Amount USD 120,400.00

Entry 01

The problem

Cross-border payments into, out of and across Sub-Saharan Africa still move through a patchwork of correspondent banks, mobile money operators, FX desks and informal settlement networks. Each rail comes with its own costs, settlement times, liquidity requirements and compliance obligations — and most platforms ask a business to commit to one of them and absorb whatever trade-offs come with it.

That patchwork is expensive, slow, and hard to reconcile. A business operating across the SADC and EAC corridors can end up holding fragmented liquidity across several accounts, reporting through several formats, and re-keying the same transaction into multiple systems before it settles.

Entry 02

How Leja works

Leja sits underneath that patchwork as a single operating layer. One ledger, one API, one compliance posture — and a routing engine that picks the combination of rails that gets each payment there fastest, cheapest, and within regulatory bounds.

01 Ledger First Every transaction is recorded against a single source of truth before it touches a rail. Core

02 Rail Agnostic Bank transfer, mobile money and stablecoin settlement are interchangeable legs of the same payment. Core

03 Route Optimised Each payment is priced and routed dynamically for cost, speed and available liquidity. Engine

04 Compliance Native KYC, sanctions screening and reporting are built into the payment state machine itself. Built in

05 API First Partners integrate once and gain access to every corridor and rail Leja supports. Platform

06 Liquidity Aware Treasury positions across corridors are managed centrally, so capital doesn't sit trapped. Treasury

Entry 03

Corridors

Leja's initial focus is the SADC and EAC corridors — South Africa, Zimbabwe and Zambia, and Kenya, Uganda and Tanzania, plus the trade and remittance routes that run between them. These are markets where the cost and friction of moving money is highest, where banking rails and mobile money already operate side by side, and where multi-rail routing has the most to offer.

Routes in active development: South Africa ↔ Kenya, Zambia ↔ Tanzania

Entry 04

Team

Ken Haagner

Founder & CEO

Ken founded Circle-8 Ledger after a career spanning agricultural economics, cloud infrastructure and blockchain architecture. He works as a fractional CTO for established businesses across fintech and cross-border payments, and leads Leja's product and partner strategy from South Africa's Western Cape.