AfroQash keeps money moving across West Africa
On the ground
Before writing a single line of code, we spent time in shops, markets and restaurants. What we saw there shapes every AfroQash product decision.
The AfroQash app
Three key moments of the mobile experience — the very screens your users discover the first time they open the app.
NFC · BLE
Hold your phone close to send or receive money instantly. Fast, simple and contactless.
Pick a payer
Tap an avatar to send your payment request.
Koffi
≈ 2 m
Awa
≈ 5 m
Mariam
≈ 9 m
Bank-grade security
Advanced encryption, strong authentication and continuous protection for every transaction.
PIN
Enter your PIN
Enter your PIN to confirm the payment
Wallet · MoMo
Full history, real-time tracking and instant search across every payment.
Activity
Aminata Diallo
29 Sep, 14:32
+ 25 000 F CFA
Maquis Chez Awa
29 Sep, 12:18
− 4 750 F CFA
Mobile Money top-up · MTN MoMo
29 Sep, 09:05
+ 50 000 F CFA
Transfer to Wave
28 Sep, 19:47
− 15 000 F CFA
Koffi Mensah
28 Sep, 16:10
+ 12 000 F CFA
Pharmacie Awa
28 Sep, 10:24
− 8 500 F CFA
Moussa Traoré
27 Sep, 18:55
− 30 000 F CFA
Fatou Ndiaye
27 Sep, 08:41
+ 7 500 F CFA
Mobile app
Take payments, send and receive money with a simple NFC tap. The Android version is available now as a direct download.
@AfroQash 2026 v1.0.0
Opening the app.
Referral programme
Recommend AfroQash to the people around you and earn a commission on every approved sign-up. Passive income, easy to switch on.
Step · 01
Every AfroQash account gets a unique referral link to share via WhatsApp, text message or QR code.
Step · 02
The people you refer sign up through your link and complete their KYC in a few minutes.
Step · 03
A commission is credited to your wallet for every approved referral.
Business accounts
Your registered business name in front of your customers, limits that match your trade and a statement your accountant can actually use — in four steps, from the app.
The full Business Account: tills, roles, allowancesPayment request
Secure Payment
You are about to pay this request.
Awa
12 500 F CFA
Confirm to send the payment.
Payment request
Secure Payment
You are about to pay this request.
Boutique Awa
PRO12 500 F CFA
Confirm to send the payment.
Your registered business name appears instead of your first name, on payment requests and on the proximity radar alike.
The PRO badge and the crown tell customers they are paying a business with an active subscription.
Limits for verified accounts: identity file for a personal account, business file for a business account. Payouts from the Business plan upwards.
The journey
Step 1 of 4
Your account switches to the business category as soon as you enter your registered business name and RCCM number. That is the name your customers will see.
The Pro Space
For subscribers, a Pro Space tab replaces the activity tab in the app. Try it out here.
Your takings day by day, over 7, 30 or 90 days. Tap a bar to see that day in detail.
Dashboard
Received
364,500 XOF
Spent 73,000 · Net 291,500
Sat: 86,500 XOF received, 20,000 XOF spent
Your best customers
BUSINESSPeak hour: around 12:00
Plans
Paid from your AfroQash balance — no card, no direct debit. Your business file must be approved before you subscribe.
To get paid in your name and keep your books in order.
5,000XOF / month
That’s 417 XOF a month · 0 XOF saved
To understand your business and pay your team.
15,000XOF / month
That’s 1,250 XOF a month · 0 XOF saved
For large organisations, under a framework agreement.
On quotation
A framework agreement tailored to your organisation
Renew early and your plan runs on from its current end date: you never lose a day. A reminder lets you know before your plan ends.
B2B services · on quotation
With AfroQash, a company can give its employees budgets earmarked for a specific purpose. Each allowance is kept separate, controlled and managed on its own.
Reward your teams every day. The company credits the amounts; employees spend their allowance freely within the agreed scope.
On the first day of the month, a Meal card is topped up automatically. The employee has lunch at a partner restaurant and simply pays with AfroQash, without touching their salary: all the company knows is that the allowance has been used.
An allowance that is simple to grant. And natural to use.
Fund, control and account for business expenses. Every expense is recorded and filed under its category.
Paul is off on a three-day business trip. His company grants him a Travel Expenses Allowance; while he is away, he pays for his accommodation, transport and business meals. By the time he is back, the statement is already done.
Fewer receipts to chase. More visibility for the company.
The same principle applies to every allowance. Fatou has a Meal card, a Fitness and wellbeing card and a Travel Expenses Allowance: in her app, everything is visible in one place, yet nothing gets mixed up.
One purpose. One dedicated allowance. Full control.
Whatever the allowance, the company never has access to the employee’s personal balance or to what they pay for with it.
In short
Under the bonnet
The experience is simple, but the infrastructure behind it meets the standards of financial payments: ledger, accounting invariants, audit log, regulatory limits.
One account per user, backed by a safeguarding account at our partner bank. Real-time balance, full history.
MTN Mobile Money and Moov Money — automatic routing by MSISDN prefix. HMAC-SHA256-signed callbacks.
Every operation: Σ debits = Σ credits. A global invariant checked continuously. No value can ever be created or vanish.
Σ wallets = Σ safeguarded funds at all times. Any gap triggers an immediate critical alert.
L0 sign-up · L1 verified phone · L2 verified identity · L3 enhanced due diligence for business accounts.
BCEAO regulatory limits, AfroQash platform limits, personal user limits. The strictest rule always applies.
A verifiable SHA-256 hash chain. Every action leaves a tamper-proof trail for BCEAO and AML/CFT audits.
Fon, Yoruba, Adja, Bariba, Dendi, French, English. Shopkeepers hear the amount received without looking at the screen.
Separate roles for compliance, KYC, oversight and support. Every permission is audited.
The back office
Balances, collections, KYC, reconciliation and audit — a real-time console built for the teams who run operations day to day.
Footprint
Local operators in every market, with the CFA franc as our pivot currency.
Drag the globe to spin it
Mobile Money live
MTN, Moov and more
The ledger counts in CFA francs only
Top-ups from abroad
Footprint
From Cotonou, AfroQash accepts Mobile Money in 19 African countries and takes cards everywhere else — bringing proximity payments to the scale of the continent and beyond.
Drag the map — zoom out to see worldwide coverage.
The blog
Practical guides, product news and perspectives on mobile payments in Africa.
Business2 min
Get paid under your company’s name, raise your limits to 10,000,000 XOF a month and hand your accountant a statement they can actually use: here is how to turn your AfroQash account into a business account, step by step.
Contact
Merchant, bank, Mobile Money operator or regulator — a few lines are enough. We'll get back to you within 48 working hours.
Tell us what payments you take, and what you'd like to change.
That way we can give you a precise answer, rather than sending you a brochure.
