Pay like you're home, wherever you land.
Wakala lets people move money between Tanzania, Rwanda, Kenya, Zanzibar and Nigeria in their own local currency — no USD detour, no guessing rate, no multi-day wait.
Cross-border payments in Africa still route through someone else's currency.
Every transfer between neighbouring markets is typically priced, held and cleared in US dollars first — adding fees, delay and a rate nobody controls, even when both sides just want their own money to move.
Typical cost to send money within Sub-Saharan Africa today, well above the UN's 3% target.
Common settlement time when a transfer is cleared through an intermediary currency.
Local currencies Wakala connects directly on one rail at launch — TZS, RWF, KES, ZNZ, NGN.
One account. Your own currency. Every step in between removed.
Load your wallet in local currency
Top up in shillings, francs or naira through mobile money, bank transfer or a verified Wakala agent near you — the same way you already pay for everything else.
Cross the border on one direct rail
Wakala prices your transfer straight between the two local currencies, at a rate you see before you confirm — never routed through the dollar.
Money lands ready to use
The recipient gets local currency in their own Wakala wallet, ready to spend, withdraw through an agent, or send onward — usually in minutes.
Five markets, one network, at launch.
Wakala is building market-by-market, in partnership with licensed local financial institutions and a network of trusted agents — the modern-day wakala the name is borrowed from.
Your wallet, your eSIM, one app.
The Wakala app carries your local-currency wallet across every market we serve — and drops a built-in eSIM straight onto your phone, so you land connected before you've even found a taxi.
- Hold and switch between TZS, KES, RWF and NGN in one wallet
- Built-in eSIM activates mobile data the moment you cross a border
- Send to a phone number, agent, or Wakala tag — no bank details needed
- Rate shown up front, before you ever confirm a transfer
App Store
Google Play
Building the local-currency rail underneath Africa's fastest-growing corridors.
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01
Mobile money is the default, not the alternative
Across our five launch markets, mobile money is already the primary way most people move day-to-day money — Wakala meets people on rails they already trust.
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02
Intra-African trade and travel are accelerating
The African Continental Free Trade Area is lowering barriers to trade between exactly the markets Wakala connects first — demand for direct local-currency settlement is growing ahead of the infrastructure to support it.
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03
Distribution through people, not just an app
Our agent network — the "wakala" the company is named for — gives us cash-in, cash-out and trust in communities a purely digital app can't reach alone.
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04
The app and eSIM extend the same wallet
Connectivity is bundled into the same product, deepening daily usage and giving Wakala a second, defensible revenue line beyond FX.
Request the investor deck
Tell us a little about you and we'll share our current deck, market-entry roadmap and licensing plan.
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We'll be in touch by email with the deck and next steps shortly.