Simple, closed-loop rails
for African mobile money.
Sendala is a lean wallet and merchant network that plugs into local mobile money, keeps funds stable, and makes cross-border flows feel local. Built for low-bandwidth networks, real merchants and real users.
Not another super-app. A focused, resilient transaction layer that plays nicely with mobile money, banks and wallets.
What is Sendala?
Sendala is a closed-loop ledger and wallet network that sits on top of existing mobile money and banking infrastructure. We handle the messy parts: float management, settlement, FX pools, merchant routing, and low-bandwidth optimisation. Users see a simple wallet and a tap-to-pay experience. Merchants see predictable fees, fast settlement and better data.
User wallet
A lightweight wallet tied to your mobile number, optimised for low-end Android devices and patchy 3G. Keep value in Sendala or move it in and out of local mobile money as needed.
Merchant acquiring
NFC, QR or POS devices with instant receipts and settlement into a Sendala merchant balance. From there, merchants can pay suppliers, payroll or withdraw to mobile money.
Developer & partner rails
A clean API to move funds inside the Sendala network, connect existing apps, or plug in telco and bank partners. Think “Stripe- level simplicity” tuned for African infrastructure.
Why “do you Sendala?”
Most systems in market are either heavy bank stacks, cloned mobile money apps, or super-apps trying to do everything. Sendala focuses on one thing: being an efficient, resilient transaction layer that sits quietly behind everyday payments, P2P and cross-border flows.
- Closed-loop, not closed-off. Funds move inside Sendala for speed and control, but on- and off-ramps plug into local mobile money and banks.
- Optimised for real networks. Built to behave on low-bandwidth connections and lower-end devices, without bloated, heavy apps.
- Merchant-first economics. Clear, predictable pricing and tools that help merchants actually keep more of each sale.
- Data with consent. Transaction and geo-signals can power better risk models and offers, without turning the product into an ad network.
Under the hood, without the jargon.
Underneath the app and POS screens, Sendala runs its own ledger and float system. Each user, merchant and corridor has mapped accounts inside the network. We keep the ledger lean, auditable and boring, so that the experience on top can be fast, simple and reliable.
A simple example
- A user in Accra tops up their Sendala wallet from mobile money. Float is allocated in the Ghana pool.
- They pay a merchant via tap-to-pay. Sendala updates balances instantly inside the ledger and logs geo + device signals.
- Merchant chooses to keep funds in Sendala, pay suppliers, or withdraw to mobile money or bank.
- When funds move cross-border, Sendala uses its internal FX pools instead of forcing the user through complex bank rails.
Built-in guardrails
- KYC and device-binding for users and merchants.
- Per-transaction and per-day risk limits.
- Geo and behaviour signals for fraud detection.
- Clear separation of user funds and operational float.
Where is Sendala launching?
Sendala is being built in Africa, for African users and merchants first. We focus on depth before breadth: strong local integrations and rails that actually work in practice, not just in pitch decks.
Initial focus
Additional markets and corridors will be announced as Sendala’s rails, partners and licensing footprint expand.
“Do you Sendala?”
If you’re a merchant, employer, fintech or telco interested in Sendala, share your details and we’ll keep you updated on the private beta and partner APIs.