Building wealth across
borders, together.
Millions of people worldwide save together through stokvels, tandas, chamas, and esusu. These traditions have powered communities for generations — but borders break them. CitizenWealth fixes that.
Your savings traditions
shouldn't be broken by
where you live.
Stokvels in South Africa. Tandas in Mexico. Chamas in Kenya. Esusu in Nigeria. Tontines in West Africa. Paluwagan in the Philippines. These aren't just savings methods — they're the financial backbone of billions.
But when members move abroad, they lose access to the savings clubs they grew up with. When they send money home, fees eat their earnings. When they save in local currency, inflation erodes their wealth.
We give global communities the infrastructure to save together in stable currencies, move money across any border, and preserve the traditions that have always worked — now without geographic limits.
Three products.
One platform.
Every feature is designed for how real people actually save and move money — not how banks wish they would.
Digital Wallets
Hold USD, GBP, and EUR with fiat on/off-ramps. Convert at near mid-market rates with deposit fees from 0.85% (Pro). No minimums, no paperwork.
Learn more →Savings Clubs
Create or join community savings groups that work across borders. Rotating payouts, goal-based saving, emergency funds — all in stable currencies with transparent governance.
Learn more →Send Money
Send money to 40+ countries with low fees. Mobile money, bank transfers, and cash pickup — with transparent pricing.
Learn more →We didn't build another
neobank. We built the
missing infrastructure.
Deposit & Withdrawal Fees
No hidden spreads. Near mid-market rates. What you see is what you pay.
Settlement
GBP arrives instantly. EUR same day. USD 1–3 days. Much faster than bank wires.
Countries
Group savings tools built around real cultural practices, accessible from anywhere.
Minimums
Multi-currency accounts that protect against depreciation. Deposits from $10. No minimum balance required.
Responsive Support
AI-powered assistant for instant answers. Email support for complex issues. Proactive transfer status updates.
Regulated
South African registered with institutional custody. Fund segregation. Regular transparency reporting.
What we believe.
How we build.
Every decision, every feature, every line of code is guided by these principles.
Transparency
No hidden fees. No surprise charges. Every cost visible before you confirm. Our operational playbook is public — know exactly how your money is managed, secured, and processed.
Community First
Built for communities, not against them. We honour savings traditions, not replace them. Every feature starts with understanding how real people actually save and move money.
Financial Sovereignty
Your money belongs to you. Hold it in the currency you choose, move it where you need. No gatekeepers, no approvals, no restrictions on your own funds.
Radical Accessibility
Works on any phone, any network, any country. No minimums, no exclusions. The people who need this most should never be locked out.
Built on institutional-grade
infrastructure.
We partner with regulated, audited infrastructure providers so your funds are protected by the same standards used by financial institutions.
Based in South Africa.
Built for the world.
CitizenWealth is headquartered in Cape Town, South Africa — at the intersection of Africa, Europe, and the global diaspora. We serve communities across 40+ countries and are regulated under South African financial services law.
Ready to join the
movement?
Want to learn more, partner with us, or join the team? We'd love to hear from you.