Send, receive, and store money instantly via WhatsApp, SMS or USSD.
No bank account. No smartphone required. No friction.
Your phone number is your wallet.
Send money instantly. Any phone. Any network.
Step 01
Send "Hi" on WhatsApp or dial USSD
No app needed. No downloads.
Step 02
Get set up in seconds using just your phone number
No forms. No complexity.
Step 03
Move money locally or across borders in seconds
Fast, simple, available 24/7.
Powered by digital dollars (stablecoins)
Financial infrastructure designed for how money actually moves
No app downloads. No data required. Works on any phone.
Instant settlement and near-zero fees.
Send money across countries as easily as a message.
Personal
Send money home. Pay bills. Get paid.
Business
Disburse funds at scale.
Licensed & Regulated
FSCA Licensed
Financial Services Provider — FSP No. 55523. Mandla Money is licensed by the Financial Sector Conduct Authority (FSCA).
FIC Registered
Registration No. 76060. Registered with the Financial Intelligence Centre (FIC) as an Accountable Institution.
Risk-Based AML/CTF Programme
Customer due diligence, sanctions screening, and ongoing transaction monitoring in accordance with South African regulatory requirements.
You use Mandla Money through WhatsApp, SMS, or USSD. This means you can:
Your phone number becomes your wallet.
Simply send a message saying "Hi" on WhatsApp to:
+27 60 041 0476
Follow the prompts to create your wallet in minutes.
Yes. Mandla Money is a fully licensed financial services provider (FSP 55523), Crypto Asset Service Provider (CASP), and FIC-registered entity (76060). We follow strict regulatory and security standards.
Funds are held in secure systems, and stablecoins are backed by underlying reserves, ensuring transparency and reliability.
There are no hidden charges or high remittance fees.
You can cash out your money in multiple ways:
This gives you flexibility to move between digital and physical money easily.
Ripple Foundation
$50,000
Schmidt Futures
$25,000
XRPL Commons
Aquarium incubator programme
Ripple / XRPL
Creating Real World Impact Hackathon
In the News
October 08, 2025
After a successful trip to Singapore this year, University of Cape Town (UCT) student Julian Kanjere is excited about the potential of stablecoins to advance financial inclusion.
Read more
December 15, 2022
At Apex Developer Summit, Mandla Money showcased transacting in low-tech environments using SMS wallets.
Read more
December 14, 2022
Mandla Money won Best Social Justice Use Case in Ripple's XRPL hackathon for its SMS wallet.
Read more
December 14, 2020
Mandla Money received a UBRI Impact Award in London for advancing financial inclusion with XRPL.
Read more
January 2022
Mandla Money received an XRPL grant to expand and harden its SMS wallet for emerging markets.
Read moreJoin thousands of people sending money instantly.
No app. No bank account. Works on any phone.
