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Zuma Finance

Money that moves across Africa.

One wallet for 54 countries: receive, send and save with Zuma Pay; plan with Zuma Budget; borrow from verified lenders or the Zuma Escrow pool; lend in a controlled, secured ecosystem.

💳 Zuma Pay📊 Zuma Budget🏦 Zuma Loans🤝 Zuma Lenders
1,291wallets298verified lenders894loan products54countries · 540 cities

💳 Zuma Pay

Receive, send, save. Deposit from mobile money or bank; cash out to mobile money or bank. PIN-protected, KYC tiers, full ledger.Open wallet

📊 Zuma Budget

Every wallet transaction auto-categorised. Log cash income and expenses, set monthly limits, export ledgers and reports.Plan my money

🏦 Zuma Loans

Scored in seconds. Instant loans from Zuma Escrow, marketplace loans from SACCOs, MFIs, banks and chamas. Repay from your wallet.See loan offers

🤝 Zuma Lenders

Licensed institutions and verified individuals lend to KYC'd borrowers with exposure caps, rate caps, escrowed pools and Zuma collections.Become a lender

Built to stand against PayPal, Safaricom and Binance

🔐 Security firstTransaction PIN with lock-out, KYC tiers with per-transaction and daily limits, wallet freeze, duplicate-ID detection, encrypted IDs and account numbers, idempotent transfers, full audit trail.
📒 Real ledgerEvery movement is a row-locked double entry with balance-before/after — deposits, sends, withdrawals, savings, loans and lending pools all reconcile.
🌍 Pan-African railsM-Pesa, MTN MoMo, Airtel Money, Orange, OPay, Flutterwave, Paystack, DPO and bank transfers — routed per country.
🤝 Controlled lendingVerified lenders, capped rates, escrowed pools, automatic installment collection, late fees and default handling.

What people say

★★★★★

"I run a shop in Kariobangi. I take payments, order stock and pay my supplier without leaving the app. That used to be three apps and a bank queue."

Amina Wanjiku
Retailer, Nairobi 🇰🇪
★★★★★

"I moved from okada riding to running two bikes on Zuma. The credit score from my trips got me the loan for the second one."

Chidi Okonkwo
Rider-owner, Lagos 🇳🇬
★★★★★

"We list our lodge on Zuma Safaris and get bookings direct. No agent taking thirty percent before we see the money."

Joseph Sankale
Lodge owner, Maasai Mara 🇰🇪
★★★★★

"My mother in Mbale gets her blood pressure tablets delivered every month. I pay from Kampala. She never has to travel."

Sarah Nakato
Teacher, Kampala 🇺🇬
★★★★★

"I sell 40 crates of tomatoes a week through Zuma Agriculture. The price is agreed before I harvest, so I stop guessing."

Peter Kimani
Farmer, Nyandarua 🇰🇪
★★★★★

"Rent, deposit and lease all went through the app. I never handed cash to an agent I had never met."

Thabo Molefe
Tenant, Johannesburg 🇿🇦
★★★★★

"Our restaurant does delivery and table bookings from one dashboard. Payouts land on Friday without me chasing anyone."

Ama Owusu
Restaurateur, Accra 🇬🇭
★★★★★

"I found my job on Zuma. No one asked me for an application fee, which is why I trusted it."

Getachew Alemu
Accountant, Addis Ababa 🇪🇹