ZUMA
One Continent, One Wallet
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ZUMA
Prices, payment methods and delivery all follow your choice.
No market matches that search.
Credit priced on what you actually do, not what you can prove on paper.
Everything is priced in STN (Db). No foreign card required.
Payments in this market fall under Central Bank of São Tomé and Príncipe. See our licensing status →
We open a market when there are enough verified drivers, vendors and listings to serve it properly — not a day earlier. Waitlist demand is the biggest input into which city we open next, so adding your name genuinely moves São Tomé up the queue.
One email when we launch. No marketing list, no sharing your number.
Consumer and micro-business credit underwritten on in-app behaviour, funded by Zuma, in-app lenders or external creditors.
Credit priced on what you actually do, not what you can prove on paper.
Rides taken, orders fulfilled, wallet inflows, repayment history — earned signal, not a credit bureau file.
⚙ Credit score recalculated on every settled transaction
Amount, tenure and total cost shown before applying. No hidden fees.
⚙ Offer generated within score band and market limits
Zuma balance sheet, an in-app lender, or an external creditor bidding on the loan.
⚙ Marketplace auction; best APR wins, ties broken by speed
Disbursed to the wallet in seconds; repay from wallet, earnings or mobile money.
⚙ Disbursement, repayment schedule, reminders before due date
On-time repayment raises the limit and lowers the rate automatically.
⚙ Score uplift, band promotion, next-offer regeneration
Not yet. Zuma has not opened Zuma Loans in São Tomé, and we would rather say so than take a booking we cannot fulfil. Join the waitlist and you will hear from us the day it opens.
São Tomé and Príncipe is in tier 3 of the rollout. We open a market when there are enough verified providers on the ground to serve it properly — waitlist demand is the main input into which city comes next.
Zuma will support Card and Cash, priced in STN.