Africa's peer-to-peer payment and digital banking platform. Send money instantly to any phone number — even without internet. Pay, save, and bank in 9 languages, on any device, across borders. Built for the 350M+ financially underserved.
Be the first to know. No spam, ever.
Waqiti starts with peer-to-peer payments — instant, free, and works everywhere. Then it becomes your complete financial home.
Send money to anyone with just their phone number. Scan a QR code, tap with NFC, or type a number — the money arrives instantly. Split bills, pay friends back, send to family. Zero fees for basic transfers. This is what Waqiti does best.
No internet? Still send money. Our patent-pending offline payment system uses cryptographic signatures so you can pay anyone, anywhere — even with zero connectivity.
Send money to family in another country for 0.5-2% vs the 9.3% industry average. Powered by Lightning Network — arrives in under a second, not days.
No smartphone? Dial *120*WAQITI# to send money, pay bills, and check your balance. P2P payments that work on every phone ever made.
"Send R200 to Thabo." Voice-powered payments in Zulu, Xhosa, Afrikaans, Swahili, Hausa, Yoruba, and 3 more languages.
Get virtual Visa/Mastercard cards instantly. Multi-currency wallet supporting ZAR, USD, EUR, and crypto (BTC, ETH, USDC).
Earn up to 4.5% APY on savings. Goal-based saving, Stokvel group pools, and fractional stock investments on JSE.
PCI-DSS compliant, ML-powered fraud detection, biometric auth, and end-to-end encryption. Every P2P transfer is secured.
Sending money to someone should be as easy as sending a text — whether you're in Soweto or the Sahel, online or off-grid, on a smartphone or a feature phone. That's the world Waqiti is building.
Sign up with just your phone number and start sending money immediately.
Download the app or dial *120*WAQITI# on any phone. Enter your number — done.
Pick someone from your contacts or enter any phone number. They don't even need the app yet.
Tap send. The money arrives instantly — free for P2P transfers. Works online, offline, on any device.
Starting in South Africa, expanding across the continent's biggest economies.
Be among the first to experience free P2P payments and banking built for Africa.
Launching Q3 2026 in South Africa