The Cashat ecosystem
Three apps. One super-app. Every side of the African economy.
Cashat is not just another wallet. It is a complete ecosystem with three perfectly tailored experiences — Customer, Agent and Merchant — that work together seamlessly so everyone benefits from dramatically lower costs and new opportunities.
The everyday app for everyone.
Built for market women, salary earners, gig workers, diaspora families and cattle traders. One wallet for every kind of money.
Who uses it: Anyone who sends, receives, shops or trades — in any of four countries, in any of five currencies.
Hold, send, receive and instantly exchange NGN, XAF, USD, EUR and stablecoins in one place.
Local and cross-border in seconds, at fees up to 5× cheaper than legacy rails.
Scan or generate codes for in-person payments — works even when the network drops.
Get paid through WhatsApp, SMS or email — no app required on the other side.
Top up and pay utilities directly from the wallet, earning rewards on every transaction.
Spin up debit or credit cards instantly for online checkout and in-store spending.
Browse listings with photos, weight and certificates. Bid, buy and pay through secure escrow.
Cashback, airtime bonuses and a referral engine that turns every user into a growth channel.
In-app identity verification, compliant across Nigeria, Niger, Benin and Chad.
English, Hausa, Yoruba, Fulfulde and more — designed for first-time smartphone users.
The physical layer of digital money.
A dedicated interface for the network of agents who bridge cash and digital balances — the human ATMs of the Cashat economy.
Who uses it: POS operators, telecom agents, small shops and existing OPay/Moniepoint partners. 35 agents live in closed beta.
Accept physical cash and credit a customer's wallet instantly — receipt issued in-app.
Let customers withdraw their digital balance as physical notes, in any supported currency.
Earn a transparent commission on every cash-in and cash-out, paid out in real time.
Manage NGN, XAF, USD, EUR and stablecoin floats from a single agent dashboard.
Real-time balance tracking, end-of-day reports and exportable transaction history.
Operate via the full agent app in cities or via USSD in low-connectivity rural markets.
A full business in your pocket.
The Cashat Merchant dashboard turns any market stall, restaurant or SME into a digital business — without paperwork or POS hardware.
Who uses it: Small shops, market traders, restaurants, livestock traders and growing SMEs. 12 merchants live in closed beta.
Sign up and start accepting payments in minutes — no paperwork, no waiting.
Accept any payment method your customers prefer, online or in-person.
Sales, transactions, top products and customer trends in a single mobile-first dashboard.
Lightweight stock management built for non-technical business owners.
Send invoices, run staff payroll and bulk-pay suppliers from one screen.
List animals, manage bids, receive escrow payments and auto-deduct market fees.
Top up or withdraw business balances through the nearest Cashat agent.
Advanced analytics, e-commerce APIs and priority support for scaling SMEs.
How they connect
A self-reinforcing loop of cash, commerce and trust.
Send money, pay merchants and trade cattle — all from one wallet that speaks their language.
Convert cash into digital balances and back again, earning a commission on every flow they facilitate.
Accept payments, manage their business and tap into the same liquidity network — without bank infrastructure.
The result: customers get convenience, agents earn commissions, merchants get better tools and faster payments — and every transaction strengthens the next.
Pick your side of the ecosystem.
Whether you're an individual, an agent or a merchant — get early access to the closed beta in Nigeria, Niger, Benin and Chad.