To Namukasa S.
UGX 45,000
Launching first in Kampala
Money that moves like you do.
Send money, pay merchants, tap to ride, and save with your group — one wallet that works on a smartphone or any phone, with or without internet.
Android · USSD · NFC — Uganda first, Africa next.
One wallet, five ways to use it
Built for how money
actually works here.
01 · Wallet
Send anywhere, in seconds
P2P transfers across networks and borders, multi-currency from day one. Your balance sits on a double-entry ledger — every shilling accounted for, always.
UGX → KES → TZS → RWF
02 · Pay
Scan or tap at any merchant
QR for every phone, NFC tap for the fast lane. Merchants settle instantly, with fees that respect small margins.
03 · Transit
Tap to ride
BRT and metro, even when the network is down — taps sync when you're back online.
04 · Card
Virtual & physical
EMV dual-interface cards for the places apps don't reach.
05 · AfriXCoin
Cross-border, stable
A Stellar-based settlement rail for remittances that cost cents, not percentages.
No internet? No problem.
The full wallet,
on a phone with buttons.
Most of Africa still transacts on feature phones. AfriX Pay runs the same wallet over USSD — send, receive, pay, and check your group, no data bundle required. NFC taps work offline too, and settle when the network returns.
- USSD Every menu, every phone — shortcode announced at launch
- NFC Tap-to-pay and tap-to-ride, queue-and-sync
- AGENTS Cash in, cash out at a neighbour you already trust
Group savings, formalised
Save like your grandmother did.
Settle like it's 2026.
Rotating savings groups move billions across Africa every month — on paper ledgers and trust. AfriX Pay gives every group a shared wallet: automatic rounds, transparent books, instant payouts, zero missing entries.
- Chama Kenya
- Susu Ghana
- Tontine Senegal
- Stokvel South Africa
- Ekub Ethiopia
- Nigiina Uganda
Why trust us
Boring where it counts.
§1 An append-only ledger
Every movement of money is a double-entry record that can never be edited or deleted — by anyone, including us. Your balance isn't a number in a row; it's the sum of an auditable history.
§2 Licensed partners
AfriX Pay is built by AfriX, a financial technology company — not a bank. Deposits and regulated services are provided in partnership with licensed financial institutions in each country we operate.
§3 Your data, encrypted
Card numbers are tokenised in a hardware-backed vault. KYC documents are encrypted at rest. Tiered verification means you share only what your limits require.