Zuma is live in: All markets →

Where we are licensed,
and where we are not yet.

Payments are regulated country by country in Africa — there is no single licence that covers the continent. So instead of one reassuring sentence, here is our actual position with every regulator.

Market Regulator Status Rails
🇧🇮 Burundi Bank of the Republic of Burundi (BRB) Licensed & operating Lumicash, EcoCash, Card
🇰🇲 Comoros Central Bank of the Comoros Licensed & operating HoloPay, Cash
🇩🇯 Djibouti Central Bank of Djibouti Licensed & operating D-Money, Card
🇪🇷 Eritrea Bank of Eritrea Licensed & operating Cash
🇪🇹 Ethiopia National Bank of Ethiopia (NBE) Licensed & operating Telebirr, CBE Birr, Card
🇬🇭 Ghana Bank of Ghana (BoG) Licensed & operating MTN MoMo, Telecel Cash, AirtelTigo Money
🇰🇪 Kenya Central Bank of Kenya (CBK) Licensed & operating M-Pesa, Airtel Money, Card
🇲🇬 Madagascar Central Bank of Madagascar Licensed & operating MVola, Orange Money, Airtel Money
🇲🇼 Malawi Reserve Bank of Malawi (RBM) Licensed & operating Airtel Money, TNM Mpamba
🇲🇺 Mauritius Bank of Mauritius Licensed & operating Juice, MyT Money, Card
🇲🇿 Mozambique Banco de Moçambique Licensed & operating M-Pesa, e-Mola, mKesh
🇳🇬 Nigeria Central Bank of Nigeria (CBN) Licensed & operating OPay, PalmPay, Moniepoint
🇷🇼 Rwanda National Bank of Rwanda (BNR) Licensed & operating MTN MoMo, Airtel Money, Card
🇸🇨 Seychelles Central Bank of Seychelles Licensed & operating Card, Cash
🇸🇴 Somalia Central Bank of Somalia Licensed & operating EVC Plus, eDahab, Zaad
🇿🇦 South Africa South African Reserve Bank (SARB) Licensed & operating VodaPay, MTN MoMo, Card
🇸🇸 South Sudan Bank of South Sudan Licensed & operating m-GURUSH, Cash
🇹🇿 Tanzania Bank of Tanzania (BoT) Licensed & operating M-Pesa (Vodacom), Tigo Pesa, Airtel Money
🇺🇬 Uganda Bank of Uganda (BoU) Licensed & operating MTN MoMo, Airtel Money, Card
🇿🇲 Zambia Bank of Zambia (BoZ) Licensed & operating Airtel Money, MTN MoMo, Zamtel Kwacha
🇿🇼 Zimbabwe Reserve Bank of Zimbabwe (RBZ) Licensed & operating EcoCash, OneMoney, USD cash
🇪🇬 Egypt Central Bank of Egypt (CBE) Application in progress Fawry, Vodafone Cash, InstaPay
🇧🇯 Benin BCEAO (Central Bank of West African States) Not yet applied MTN MoMo, Moov Money, Celtiis Cash
🇧🇼 Botswana Bank of Botswana Not yet applied Orange Money, MyZaka, Card
🇨🇲 Cameroon BEAC (Bank of Central African States) Not yet applied MTN MoMo, Orange Money, Card
🇨🇮 Côte d’Ivoire BCEAO (Central Bank of West African States) Not yet applied Orange Money, Wave, MTN MoMo
🇨🇩 DR Congo Central Bank of the Congo (BCC) Not yet applied M-Pesa, Orange Money, Airtel Money
🇳🇦 Namibia Bank of Namibia Not yet applied MTC MoneyApp, Card, EFT
🇸🇳 Senegal BCEAO (Central Bank of West African States) Not yet applied Wave, Orange Money, Free Money
🇹🇬 Togo BCEAO (Central Bank of West African States) Not yet applied T-Money, Flooz, Card
🇩🇿 Algeria Bank of Algeria Not yet applied CIB Card, BaridiMob, Cash
🇦🇴 Angola Banco Nacional de Angola Not yet applied Multicaixa Express, Unitel Money, Card
🇧🇫 Burkina Faso BCEAO (Central Bank of West African States) Not yet applied Orange Money, Moov Money, Wave
🇨🇻 Cabo Verde Bank of Cabo Verde Not yet applied Vinti4, Card
🇨🇫 Central African Republic BEAC (Bank of Central African States) Not yet applied Orange Money, Telecel Money
🇹🇩 Chad BEAC (Bank of Central African States) Not yet applied Airtel Money, Tigo Cash
🇨🇬 Congo BEAC (Bank of Central African States) Not yet applied MTN MoMo, Airtel Money
🇬🇶 Equatorial Guinea BEAC (Bank of Central African States) Not yet applied Muni Dinero, Card
🇸🇿 Eswatini Central Bank of Eswatini Not yet applied MoMo, e-Mali
🇬🇦 Gabon BEAC (Bank of Central African States) Not yet applied Airtel Money, Moov Money
🇬🇲 Gambia Central Bank of The Gambia Not yet applied Wave, Africell Money
🇬🇳 Guinea Central Bank of the Republic of Guinea Not yet applied Orange Money, MTN MoMo
🇬🇼 Guinea-Bissau BCEAO (Central Bank of West African States) Not yet applied Orange Money, Cash
🇱🇸 Lesotho Central Bank of Lesotho Not yet applied M-Pesa, EcoCash
🇱🇷 Liberia Central Bank of Liberia Not yet applied MTN MoMo, Orange Money, USD cash
🇱🇾 Libya Central Bank of Libya Not yet applied Sadad, Card, Cash
🇲🇱 Mali BCEAO (Central Bank of West African States) Not yet applied Orange Money, Moov Money, Sama Money
🇲🇷 Mauritania Central Bank of Mauritania Not yet applied Bankily, Masrvi
🇲🇦 Morocco Bank Al-Maghrib Not yet applied Cash Plus, M-Wallet, Card
🇳🇪 Niger BCEAO (Central Bank of West African States) Not yet applied Airtel Money, Moov Money
🇸🇹 São Tomé and Príncipe Central Bank of São Tomé and Príncipe Not yet applied Card, Cash
🇸🇱 Sierra Leone Bank of Sierra Leone Not yet applied Orange Money, Africell Money
🇸🇩 Sudan Central Bank of Sudan Not yet applied mBOK, Cash
🇹🇳 Tunisia Central Bank of Tunisia (BCT) Not yet applied D17, e-DINAR, Card

Why this page exists

"Africa's most complete super app" is a statement of ambition, and we use it as one. What we will not do is let that ambition leak into claims about where your money is protected. A page for a market where we hold no licence will never carry a payment guarantee, a price, or structured data telling a search engine we operate there.

If you spot anything on this site that contradicts this table, that is a bug and we want to hear about it — tell us.