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Sente

Now live in Kenya and Nigeria

One way to move money across Africa.

Sente is a payments platform, not just an app. It powers the Sente app, USSD, agents, merchant checkout and the products businesses build on it, on any phone and any rail.

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mobile money users
593M
countries on PAPSS
30+
languages
10
goal for everyday payments
<1%
A market trader smiling as she checks a payment on her phone
KES 4,500 receivedfrom Lagos · rate locked

Our vision

Anyone in Africa can pay anyone, anywhere, from the phone they already own — and trust it's right.

Not another wallet that only talks to itself, but the connective layer between mobile money, banks, cards, merchants and agents, across borders.

More than an app

The app is one way in. Sente is the platform underneath.

The same platform runs the Sente app, USSD, agents and merchant checkout, and it runs the products other businesses build on it. Every channel shares one set of services, one set of checks and one ledger.

Build on Sente

  1. Ways in

    • Sente app
    • USSD
    • Agents
    • Merchant checkout
    • Developer API
    • Amani assistant

  2. Services

    • Transfers
    • Payments
    • Cards
    • Cross-border FX
    • Savings
    • Airtime and bills
    • Digital assets

  3. Trust

    • Identity and KYC
    • Fraud checks
    • Compliance rules
    • In-country data

  4. Core

    • One double-entry ledger: every movement balanced and traceable

  5. Networks

    • Mobile money
    • Banks
    • Card schemes
    • PAPSS
    • Stablecoins

  • Businesses

    Take payments at the counter and online, pay out, and see it all in one dashboard.

  • Banks and telcos

    Connect once to reach every rail Sente reaches, and plug your own products in.

  • Saccos and MFIs

    Run savings, lending and repayments on the same rails as everyone else.

  • Developers

    Build on one API and one sandbox, then launch in many markets.

The problem

Moving money in Africa is still fragmented.

  1. 01

    Walled-off networks

    Money in one mobile wallet can't reach another network without cashing out first.

  2. 02

    Slow cross-border

    Sending to a neighbouring country still runs through chains of banks and takes days.

  3. 03

    Fraud & SIM swap

    Stolen numbers and fake identities drain accounts, and protection is patchy.

  4. 04

    People left out

    Feature-phone users, rural customers and the unbanked are poorly served.

  5. 05

    Manual bookkeeping

    Businesses match payments from many channels by hand, and mistakes slip through.

  6. 06

    Patchy compliance

    Every market has its own rules, and most providers bolt checks on afterwards.

<1%

Our goal

Everyday payments should cost less than 1%.

Sub-Saharan Africa is the most expensive region in the world to send money to, according to the World Bank. Every hop through another bank or network adds a fee. Payments that stay on Sente — wallet to wallet, wallet to shop — skip those hops, and that is where we intend to price below 1%. Cards, banks and cross-border payments run on partner networks with their own costs, and we show those prices upfront.

A goal we are building towards, not a price on offer today.

The solution

One platform. Every channel. One trusted record of every movement.

  • Connects every rail

    Mobile money, banks, VISA cards, stablecoins like USDT, agents and online stores in one place.

  • Safe by design

    Identity, fraud and compliance checks on every payment.

  • Grows by plugging in

    New countries, partners and products are added, not rebuilt.

See the standards we build to

How people reach Sente

Six ways in, one platform behind them.

  • Mobile app

    Everyday money on Android and iOS: send, pay, save, cards and more.

  • USSD

    Dial a short code on any phone. No data or smartphone needed.

  • Agents

    Neighbourhood agents turn cash into digital money and back again.

  • Merchants

    Take payment by code, QR, link or online checkout.

  • Developer API

    Build your own products on top of Sente. One API, many markets.

  • Amani assistant

    Ask in plain words or by voice; Amani prepares it, you confirm.

Beyond one network

Across networks, banks and borders.

Send and receive as easily as a message — by phone number, email or a personal @handle. Request, split a bill, share a payment link.

  • Any mobile money network

    M-PESA, MTN MoMo, Airtel Money and Orange Money — no cashing out.

  • Straight to a bank

    Pay rent, school fees or suppliers directly into their bank.

  • Send across borders

    Support family in another country, designed to settle through PAPSS.

  • See the rate, then lock it

    The exchange rate is shown and held before you confirm.

Integrations

Cards and online stores, plugged straight in.

Accept VISA cards alongside mobile money and bank transfers, and add Sente checkout to your online shop in minutes — every payment lands in the same trusted record.

  • VISA

    Card payments

    Accept VISA card payments online and in store, settled alongside mobile money and bank transfers.

  • WooCommerce

    eCommerce plugin

    Add Sente checkout to your WooCommerce store: mobile money, cards and bank transfer in one button.

  • Checkout

    Any website

    Payment links, QR codes and hosted checkout for any eCommerce site or marketplace.

  • API

    Custom builds

    One API and sandbox to connect your own platform across many markets.

Digital assets

Stablecoins like USDT, moved like money.

Hold, send and convert USDT on the same balance as your local currency. The rate is shown and locked before you confirm, and the money lands where your people already keep it.

A payment in motion

  1. 01

    USDT in

    Received to your Sente address or from an exchange

  2. 02

    Rate locked

    The exchange rate is shown and held before you confirm

  3. 03

    Local money out

    Paid to a mobile money wallet, bank or agent

USDT today, with USDC and other stablecoins on the way.

  • Hold stablecoins

    Keep value in USDT alongside your shilling, naira or cedi.

  • Convert in seconds

    Swap between stablecoins and local currency whenever you need it.

  • Cash out locally

    Move what you hold into a wallet, a bank account or a nearby agent.

  • Checked every step

    The same identity, fraud and compliance checks apply to digital assets.

Who it's for

The people we build for.

  • Worker sending money homeInstant transfer to any wallet, bank or agent
  • Market trader or shopOne way to get paid, with a live dashboard
  • Rural or feature-phone userUSSD menus and a nearby cash agent
  • Families across bordersThe rate shown and locked before sending
  • Fintechs and developersOne API, one sandbox, many markets
  • Businesses paid in stablecoinsHold USDT, convert it and pay out locally
  • Banks, telcos, regulatorsBuilt-in checks and a tamper-evident record
  • Saccos and savings groupsRun member savings, share-outs and group accounts in one place
  • Microfinance institutions (MFI)Lend and collect repayments across wallets, banks and agents
See every sector we serve

Save, plan and stay on top of money.

Several wallets, savings goals, round-ups, standing orders, official statements and spending insights — all in one place.

Countries we support

More corridors go live every quarter.

  • KEKenya
  • NGNigeria
  • GHGhana
  • ZASouth Africa
  • UGUganda
  • TZTanzania
  • ZWZimbabwe

Ready to move money?

Tell us about your use case and we'll get you set up with a sandbox account.

This opens an email to info@sente-platform.com — nothing is sent until you press send.