Moving money across Africa, at the speed of trust.
One account for multi-currency wallets, instant P2P transfers, QR & link payments, virtual & physical cards, and the continent's first escrow-backed livestock marketplace.
- 1.5%
- cross-border fee
- 60s
- average settle
- 5+
- currencies
Good morning
Amara O.
NGN
482k
KES
12.4k
XAF
98k
GHS
210
Recent
See allTunde A.
Sent · NGN
-₦ 12,500
Marché Niamey
Pay · XAF
-XAF 6,200
Maman (Diaspora)
Received · USDC
+$ 250.00
Inside the app
Real product. Live in beta today.
Multi-currency wallets, send & receive, remittance, virtual cards — all in a single, calm interface designed for everyday Africans.
Total balance
₦ 482,910
Home & wallets
Switch between NGN, KES, XAF and more — one tap.
Send to
Amount
₦ 12,500
≈ XAF 4,820 · 1.5% fee
Send & receive
P2P, QR, payment links and bill pay in one sheet.
Cards
+ NewVirtual · USD
Baobab
•••• 4242
Physical · NGN
Sahel
•••• 7042
This month
Virtual card
Spin up a card instantly for online spend, in any currency.
The platform
Everything you need for regional commerce.
From a daily coffee to large-scale livestock trade — Cashat is the rails for the African economy.
Cattle Marketplace
The first digital escrow for African livestock trading. Browse listings with verified health certifications, bid remotely, and trust that funds are only released on physical delivery.
Explore marketplace
Instant QR & link
Accept payments in any currency via a generated link or print-ready QR — even when the buyer is offline.
Virtual & physical cards
Spend like a local in 150+ countries with real-time conversion and no hidden markup.
Cashat · Physical
Sahel
•••• •••• •••• 7042
Cashat · Virtual
Baobab
•••• •••• •••• 4242
Transparent by default
Stop paying the border tax.
Save up to 65% on every cross-border transaction.
One wallet. Every currency.
Hold and convert NGN, XAF, USD, EUR and stablecoins in a single account. Mid-market rates, no hidden FX markup, and instant settlement across mobile-money rails and blockchains.
Built for
Consumers, merchants, agents, and the diaspora.
Africa has over one billion mobile subscribers, an informal economy that drives ~50% of GDP, and millions abroad who send money home every month. Cashat serves them all on a single, low-cost rail.
Consumers & families
Send to family across borders, top up airtime, pay bills and get paid in one app.
Merchants & SMEs
Accept payments via QR, link or card with instant settlement and a real dashboard.
Agents
Earn commissions powering cash-in / cash-out for your community, with daily payouts.
Bank-grade security. Built for compliance.
AES-256 encryption, 2FA / PIN, continuous monitoring, and integrated KYC aligned with AML/CFT and data-protection standards across our markets.
99.98%
Uptime
AES-256
Encryption
ISO 27k
Aligned
Ready to modernize your cash flow?
Connect with our team to set up your merchant account, agent network, or join our early access list.