A money transfer app for Nigeria, Kenya and Ghana — running on iPhone, Android, web and desktop. Open it, or watch it below.
One codebase. These are screen recordings of the working app, not mockups.
iPhone · native build · 36 seconds
Android · native build · 30 seconds
Browser · works on any device · 30 seconds
Desktop app · Mac and Windows · 61 seconds
The complete transfer journey, from opening the app to the money arriving.
Rates, fees and recipients are available without an email, password or account.
The rate is fetched live and held while the sender completes the transfer.
The sender enters an account number and the bank returns the account holder's name. This catches wrong account numbers before money moves.
Repeat transfers to the same person take a few taps.
Nigeria and Kenya require a stated reason on inbound money. The app collects it.
Approve in your banking app, push a bank transfer, or pay by card.
Identity verification runs when the sender taps Send, not when they open the app.
Initiated → converted → paid out, updated as each stage completes.
Four steps. The app handles the first two. A licensed provider handles the last two.
The sender pays by card, Apple Pay, or an approved bank transfer in the UK.
The app's database records who sent what, to whom, and at which rate.
GBP is converted to NGN, KES or GHS at a wholesale rate. The business margin is added on top.
The recipient receives local currency in their bank account or mobile wallet, usually within seconds.
Steps 3 and 4 are handled by a licensed provider through their API. That is standard — it is how Revolut, Wise and LemFi all started. The app connects to it.
Visa bought them in 2021. They hold the licences, and through one API they accept the GBP, perform the exchange, and pay out to African bank accounts. Revolut used Currencycloud from its 2015 launch until it obtained its own banking licence.
The demo is already connected to their sandbox. Going live means swapping the API key for a live one.
Worth knowing early: under this arrangement your customers accept Currencycloud's terms alongside yours, and are told the payment service is provided by Currencycloud. You keep the brand, the app and the customer relationship.
Provider onboarding — business due diligence, plus the first few months of platform fees.
Indicative. Currencycloud publishes no rate card, so onboarding and monthly minimums are negotiated once due diligence starts.
No large upfront fee, if you'd rather start smaller.
Sign up online. Pay per transaction, nothing upfront.
Owned by Stripe. Moves money on stablecoin rails instead of bank wires.
Covers 20 African markets. Pays out to mobile money and local bank transfer.
The choice doesn't affect the app — switching provider is a settings change, not a rebuild. It can be decided later.