Money,
reimagined.
One app for chat, wallet, virtual card and cross-border crypto. Record expenses, save in fiat, hold and send DeFi — without the friction.
2,000+ beta users across Africa
Supporting assets
Features
Everything you need,
nothing you don't.
Designed with obsessive attention to detail. Every pixel serves a purpose.
AI-Powered Insights
AI analyzes spending patterns and delivers personalized recommendations to optimize your finances.
Bank-Grade Security
256-bit encryption, biometric authentication, and SOC 2 compliance protect every transaction.
Smart Goals
Set savings goals with intelligent projections and automated rounding to reach them faster.
Instant Transfers
Send money anywhere in seconds. No hidden fees, no delays, no intermediaries.
Stellar Settlement
5,000 TPS at $0.00001/tx. XLM, USDC, XRP and multi-asset swaps via the Stellar DEX.
Cross-Border Payments
Send and receive across 50+ currencies with real-time FX rates and zero markup.
Virtual Cards
Generate unlimited virtual cards for online purchases, subscriptions, and business expenses.
Built-in Messenger
Chat, share payment requests, and split bills — all without leaving the app.
DeFi Wallet
Self-custody crypto wallet supporting BTC, ETH, XLM, SOL, and 20+ more assets.
Dashboard
Your finances,
at a glance.
A clean dashboard with everything in one place — fiat, crypto, cards and transactions.
Real-time tracking
Every transaction categorized the moment it happens.
Fiat & crypto unified
ZAR wallet and Stellar assets side by side.
Virtual card included
Spend from your wallet anywhere, instantly.
Testimonials
Loved by people
just like you.
"Cross-border payments are a game changer. I send money to family in Ghana and it arrives in seconds. No crazy fees."
"Fiat and DeFi in one app is brilliant. Swap XLM, track spending, chat with my accountant — all from one place."
"Budget tracking with category breakdowns helped me save in my first month. The SA–Ghana corridor fee is unbeatable."
Ready to take control
of your money?
Join beta users already transforming their financial life with lumens. Africa-first. Privacy-native.
Built with Africa's leading infrastructure