The split engine that speaks
Moolre natively
Every platform on Moolre has the same problem: Moolre doesn't split payments. Ocuula fills that gap — purpose-built middleware that handles the distribution math so platforms don't build it from scratch.
Why Ocuula exists
We were building apps that needed split payments. There was nothing off the shelf for Moolre. So we built it.
While building a handful of apps — a marketplace, a logistics platform, a SaaS product, we kept running into the same wall. Each one needed to split payouts across multiple parties, but we needed split functionality natively. Every option required manual calculation, custom backend math, or weekly spreadsheet reconciliation.
We looked for packages and platforms that handled split math out of the box like percentage cuts, waterfall cascades, tiered brackets, milestone holds, so we could focus on building product features instead of payment infrastructure. Nothing fit. So we built the engine ourselves.
Once it was running, it was clear: every other team building on Moolre was solving the same problem independently. Ocuula is that engine, extracted and productised. Non-custodial. Pesewa-precise. Moolre-native from day one.
How we're different
Non-custodial, pesewa-precise, programmable
Technical overview
How Ocuula works under the hood
Stateless middleware
Ocuula never holds, stores, or transmits funds. We calculate split distributions and send disbursement instructions to Moolre. No PCI DSS scope, no custody risk, no regulatory overhead. If Ocuula is unavailable, your Moolre integration continues working — existing rules operate on their last known configuration.
Encrypted by default
API keys encrypted at rest (AES-256-GCM) with per-tenant keys. All traffic over TLS 1.3. Immutable audit log with 7-year retention. Every state change has a webhook receipt with HMAC-SHA256 signature.
Integer arithmetic
All financial calculations in pesewas (smallest currency unit) using integer math. No floating-point rounding errors. The remainder from any split is automatically routed to a designated recipient — 100% of funds accounted for on every transaction.
Moolre-native
Built specifically for Moolre's API, wallet topology, and fee structure. Integrates directly with Moolre settlements, transfers, and webhook notifications — no custom adapters or fragile glue code. Supports Mobile Money (MTN, Vodafone, AirtelTigo) and major Ghanaian banks.
Trust & Transparency
Designed for auditability
7-Year Immutable Logs
Every transaction, every split, every disbursement. Queryable via API, exportable for compliance.
Sandbox By Default
Test with real APIs, no credentials required. Unlimited free sandbox transactions per month.
Fee Cap at GHS 15
Maximum GHS 15 per transaction, regardless of size. Effective rate drops near zero at high volume. No subscription fees.