The money app
built for Africa.
Send and receive money instantly. Chat with friends. Scan QR codes. All in one app — secured with bank-level encryption.
Merchants building on AZA
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P&PFleetSkillsphereVoyP&PFleetSkillsphereVoyP&PFleetSkillsphereVoyEverything you need.
Nothing you don’t.
From instant transfers to built-in chat — your entire financial life in one app.
01 — Zero fees
Send money.
Done in two taps.
Search a contact, enter an amount, confirm. Under 2 seconds — no fees, no friction, no queue.
02 — 10+ apps
Mini apps.
Everything in one place.
Games, financial tools, entertainment — all running inside Aza. No installs, no new accounts, no switching apps.
03 — Contextual payments
Pay in chat.
Money in the conversation.
Send money in the same thread as your messages. No app switching. No payment links. Just tap.
04 — Universal QR
Scan and pay.
Point. Tap. Done.
Any QR code, anywhere. Scan to pay merchants. Share yours to get paid. Instant confirmation.
See it in action.
Two taps. Any contact. Under 2 seconds.
Why Aza?
Fast, free, and built for the way you actually use money.
| Feature | Aza | Mobile Money | Bank Transfer |
|---|---|---|---|
| P2P transfer fee | ₵0 | 0.5–2% | Fixed + % |
| Transfer speed | <2 seconds | 1–5 minutes | 1–3 days |
| Payment requests in chat | — | — | |
| In-app E2EE chat | — | — | |
| Voice & video calls | — | — | |
| QR payments | — | ||
| Mini apps | — | — | |
| Monthly fee | ₵0 | Varies | Varies |
Made for your
real life.
Wherever money moves in your world — Aza moves with it.
You covered the bill. Ask for your share — right there in the chat.
Send a payment request inside the same thread where you planned the night. One tap to pay it back.
Someone needs money now. Not in 3 hours — right now.
Search a contact, enter an amount, confirm. Aza delivers in under 2 seconds, zero fees.
Invoice received. Paid. Your vendor confirms before they hang up.
Instant business payments with transaction records, notes, and receipts built in.
Scan the QR. Pay. No card details. No OTP wait. No friction.
Works at any merchant showing an Aza QR — from street food to e-commerce checkout.
Set a limit per category. Get a nudge before you blow it.
Monthly budgets by spending category, plus AI-generated insights on what each transfer means for your habits.
Rent, subscriptions, savings — set once, sent every month.
Schedule a recurring transfer to anyone and Aza sends it automatically, on time, every cycle.
Up and running
in minutes.
Three steps. No queues. No branch visits. Just your phone.
Download & sign up
Install Aza and create your account with your phone number. Two minutes, no paperwork.
Verify your identity
Quick KYC with your Ghana Card or passport. End-to-end encrypted.
Send & receive instantly
You're ready. Send money, request payments, chat, scan QR codes — all in one place.
Built for how
Ghana moves money.
These are the everyday moments Aza is designed to fix.
“Sending money to a cousin in Kumasi usually means queuing at a mobile money kiosk. With Aza, it's two taps and it's done.”
University student, Accra
“Request a payment right inside the chat with a friend, and it lands back in seconds — no switching apps, no awkward follow-up texts.”
Everyday transfers
“A merchant API with real docs and a sandbox that actually works, so integrating payments takes an afternoon instead of a week.”
For developers & merchants
Your money is
safe with us.
Aza uses bank-level security at every layer — from biometrics to end-to-end encryption.
End-to-End Encryption
Every message and transaction is fully encrypted in transit and at rest.
Biometric Authentication
Face ID and fingerprint login keep your account locked to you — literally.
KYC Verification
We verify every user with ID and face scan so your money only goes where you send it.
Device Management
Monitor and control all devices logged into your account from one place.
Protected by design
All systems nominal
Licensed, regulated, and trusted
Built for Africa.
Expanding fast.
Starting in Ghana. Expanding across Africa. One market at a time.
Ghana
Live- 🇬🇭AccraLive
- 🇬🇭KumasiLive
- 🇬🇭TamaleLive
- 🇬🇭NationwideAll regions
West Africa
Planned- 🇳🇬NigeriaNext
- 🇸🇳SenegalPlanned
- 🇨🇮Côte d'IvoirePlanned
- 🇬🇳GuineaPlanned
East Africa
Planned- 🇰🇪KenyaPlanned
- 🇹🇿TanzaniaPlanned
- 🇺🇬UgandaPlanned
- 🇷🇼RwandaPlanned
For everyone who
moves money.
Your money,
your way.
Everything you need for your daily financial life — in one secure app.
- Instant P2P transfers
- In-app encrypted chat
- QR scan & pay
- Payment requests in chat
- Mini apps marketplace
- AI spending insights
Built for
real business.
Powerful APIs, instant payouts, and compliance tools built for African commerce.
- Merchant payment links
- REST API & webhooks
- Real-time dashboard
- Bulk payouts to up to 100 recipients
- KYB in under 24 h
- Dedicated account manager
Mini apps.
Built right in.
Games, tools, and services — no installs, no new accounts, no switching apps.
See what's inside
Accept payments, manage payouts and API keys.
- AZA Developer
- CediRates
- 2048
- Snake
- Connect 4
- Salifu & Master
- Radio
- Notepad
From the team.
All postsWhy Africa's next super app won't come from Silicon Valley
The infrastructure gaps that stymied fintech in mature markets are the same ones that create the white space for a truly native African platform.
Zero-fee transfers: the math behind Aza's model
Free to the user doesn't mean free to run. Here's how we make the economics work — and why we think it's the only sustainable path.
Build on Aza: the developer platform is now open
Mini apps, payment links, webhooks, and a REST API built for Africa. Everything you need to ship your first integration in an afternoon.
Questions,
answered.
Can't find what you're looking for? Contact support
Yes. Aza charges no hidden fees for peer-to-peer transfers between Aza users. Standard network charges may apply for top-ups or withdrawals to mobile money or bank accounts.
We're launching first in Ghana, with Nigeria, Kenya, and the rest of West Africa following shortly. Sign up for the waitlist to get notified when we reach your country.
For instant wallet transfers, both sender and recipient need an Aza account. You can also withdraw your balance to any mobile money or bank account directly from the app.
All funds held on Aza are safeguarded in regulated bank accounts, separate from Aza's operating funds. Your account is protected by 256-bit AES encryption, biometric authentication, and KYC verification.
Transfers between Aza users are instant — typically under 2 seconds. Withdrawals to mobile money complete within minutes; bank withdrawals may take up to one business day.
The Hub is Aza's built-in mini-app platform. Like a lightweight App Store inside Aza — access games, financial tools, bills payments, and more without leaving the app.
Yes. Visit the Developer Portal to register, read the mini-app docs, and submit your app for review. Aza handles payments, authentication, and distribution.
Scroll to the waitlist section and enter your email. You'll get an early-access invite when Aza launches in your region.
Get early access. Be first.
Join the waitlist and be among the first to send money, chat with friends, and access the Aza Hub — all in one secure app.
2,400+ people already waiting
No spam. Unsubscribe anytime.
Coming to your phone.
Launching on iOS and Android. You're on the list — we'll let you know the moment it's ready.
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