Use Cases & How-Tos
See how people
like you use it.
Real scenarios, real numbers. Whether you’re a freelancer protecting income, a family sending money home, or a savings club pooling across borders — here’s exactly how CitizenWealth works for you.
Use Cases
One platform.
Four different lives.
Freelancers
Families
Travellers
Savings Clubs
Freelancer
Adaeze — UX Designer, Lagos
Earns $4,000/month from US clients via Toptal. Previously forced to convert everything to naira immediately at 4% markup — losing $160 every month before she could even spend it.
Monthly Workflow
1
Receive $4,000 in USD wallet
Full amount — no forced conversion
2
Convert $1,500 → Naira for expenses
Near mid-market rate · under 2% total fees
3
Move $500 to Property Savings Club
25 members pooling USD toward $50K goal
4
Hold $2,000 in USD
Protected from naira depreciation
Annual Savings
~$1,560
vs forced bank conversion at 4% markup on full income
Diaspora Family
The Ndlovu Family — 3 Countries
Sipho in London, Nomsa in Brussels, and Mama in Johannesburg. Each month they coordinate across three time zones and three currencies to keep the household running and savings growing.
Monthly Family Flow
1
Sipho sends £400 from London
GBP → Local currency · Mama receives R9,356
2
Nomsa sends €350 from Brussels
EUR → Local currency · Mama receives R6,993
3
Mama receives R16,349 total
Covers rent, groceries, school fees
4
Family surplus → USD savings club
Building toward family property fund
Annual Savings
R24,000
vs separate wire transfers + bank markup from UK and EU
International Traveller
Thandi — Marketing Manager, Cape Town
Two-week Europe trip. London for a conference, then Paris and Amsterdam for holiday. Needs GBP and EUR ready before departure — not airport exchange rates.
Travel Workflow
1
Pre-converts R45,000 before trip
R28,000 → £1,200 + R17,000 → €800
2
Spends GBP in London
Conference expenses, dining, transport
3
Spends EUR in Paris & Amsterdam
Hotels, restaurants, museums
4
Leftover €120 stays in EUR wallet
Ready for the next European trip
Trip Savings
R3,800
vs airport exchange + international card fees
Savings Club
Ubuntu Circle — 20 Members, 4 Countries
A stokvel spanning Johannesburg, London, Lagos, and Nairobi. Members contribute monthly in their local currency. The pool holds in USD for stability. Quarterly payouts fund property deposits and business launches.
Club Workflow
1
Members contribute in local currency
Local currencies → all auto-convert to USD
2
Pool holds $4,000/month in USD
Protected from depreciation across all corridors
3
Quarterly payout to one member
$12,000 disbursed in recipient’s currency of choice
4
Full transparency on every transaction
Every member sees balances, contributions, and payouts
Value Protected
$48,000/year
pool held in USD instead of depreciating local currencies
How-To Guides
Step-by-step.
No guesswork.
Click any guide to expand the full walkthrough.
Open Your Wallet
Sign up, verify, and activate your first currency
3 MIN
+
1
Download the app or visit the web portal
Available on iOS, Android, and web. Create your account with your name, email, and phone number.
2
Verify your identity
Take a selfie and upload a photo of your national ID, passport, or driver’s licence. AI verification completes in under 60 seconds.
Use a well-lit environment and ensure your ID is not expired.
3
Activate your currencies
Choose which wallets to open — USD, GBP, or EUR. You can activate any or all. Each is free with no minimum balance.
4
Fund your first wallet
Add money via bank transfer, mobile money (M-Pesa, MTN, Airtel), debit card, or direct deposit. Funds arrive in minutes.
Convert Between Currencies
Swap any currency pair at near mid-market rates
EASY
+
1
Tap “Convert” from your dashboard
The conversion screen shows all your active wallets and their current balances.
2
Select source and destination
Pick the currency you want to convert from (e.g., GBP) and the currency you want to convert to (e.g., USD). The live mid-market rate is displayed in real time.
3
Enter the amount
Type the amount. You’ll see the exact amount the recipient wallet will receive, the total fee, and the exchange rate — all before you confirm.
Internal wallet conversions are free.
4
Confirm and settle
Review and confirm. Funds arrive in your destination wallet within 30 seconds. You’ll receive a confirmation notification immediately.
Send Money Abroad
Transfer to bank accounts, mobile money, or wallets
2 MIN
+
1
Tap “Send” and choose recipient type
Send to a bank account, mobile money number (M-Pesa, MTN, Airtel), another CitizenWealth wallet, or a blockchain address.
2
Enter recipient details
Phone number, email, bank details, or wallet address. For saved contacts, just select from your list.
Save frequent recipients for one-tap sending next time.
3
Choose amount and source wallet
Enter the amount in either your currency or the recipient’s. If conversion is needed, you’ll see the mid-market rate and total fee.
4
Confirm with biometric or PIN
Review the full breakdown — amount, fee, exchange rate, recipient. Authenticate with fingerprint, face ID, or PIN. Funds settle in 30 seconds.
Receive Payments
Get paid by clients, employers, or family
1 MIN
+
1
Share your wallet address or payment link
Each currency wallet has a unique address. Generate a payment link with a specific amount, or share your wallet details via WhatsApp, email, or SMS.
2
Sender sends from anywhere
They can send from their bank, mobile money, another wallet, or crypto platform. No CitizenWealth account needed.
3
Funds arrive in your wallet
You’ll receive a notification when funds land. They appear in the currency wallet matching the sender’s currency, or you can set auto-convert rules.
Set auto-convert to immediately move incoming GBP into your preferred currency at near mid-market rates.
Start or Join a Savings Club
Pool money with your community across borders
5 MIN
+
1
Create a new club or accept an invitation
Choose your club type — rotating (stokvel/tontine), goal-based (property/education), or emergency fund. Set the pool currency (USD, GBP, or EUR recommended for stability).
2
Set contribution rules
Monthly amount, due date, and penalty rules. Members can contribute in any currency — it auto-converts to the pool currency at the time of contribution.
Set up automated monthly contributions so members never miss a deadline.
3
Invite members
Share an invite link via WhatsApp or email. Members join from anywhere — London, Lagos, Joburg, Nairobi. No geographic limits.
4
Manage payouts transparently
Every member sees the full balance, contribution history, and payout schedule. Payouts are disbursed to the recipient’s wallet in their currency of choice.
Set Up Rate Alerts & Auto-Convert
Automate your conversions at the right rate
SETUP
+
1
Go to Settings → Rate Alerts
Select the currency pair you want to watch (e.g., GBP → USD) and set your target rate.
2
Choose alert type
Notification only — get a push notification when the rate hits your target. Or auto-convert — automatically execute the conversion when conditions are met.
“Convert R5,000 to USD whenever 1 USD drops below R18.20”
3
Set recurring rules (optional)
Create time-based rules like “Convert R5,000 → USD on the 1st of every month” regardless of rate. Good for systematic savings.
4
Review and confirm
Active alerts and rules appear in your dashboard. You can pause, edit, or cancel any rule at any time.
In Their Words
Why people switch
to CitizenWealth.
Adaeze O.
UX Designer · Lagos
“I used to lose over $160 every month just converting my freelance income. Now I hold USD and only convert what I need. It changed my financial life.”
USD Wallet
Savings Club
Rate Alerts
Sipho N.
Accountant · London
“Sending money to my mother used to mean two apps, three days, and guessing at exchange rates. Now I know exactly what she’ll receive and the fees are tiny.”
GBP Wallet
Africa Transfers
Family Fund
Fatima M.
Tontine Organiser · Paris
“We have 30 members across France, Belgium, and Senegal. Before, tracking contributions was a spreadsheet nightmare. Now everyone contributes, it auto-converts, and we all see the same numbers.”
EUR Wallet
Savings Club
Auto-Convert
Explore More
Dive deeper into
the CitizenWealth ecosystem.
Digital Wallets
Hold 5 currencies. Convert at near mid-market rates. Low fees.
Explore wallets →Savings Clubs
Stokvels, tontines, and chamas — in hard currency, across borders.
Explore clubs →Earn Rewards
Your savings earn daily rewards backed by US Treasuries — up to 3% in rewards with no lock-up.
Learn about Earn →About Us
Learn about our mission, team, and the future of African finance.
Learn more →Ready?
See which use case
fits your life.
Open your multi-currency wallet in under 5 minutes. Freelancer, family, traveller, saver — it works the same way for everyone.
Download the App →
Free to open · No minimums · No monthly fees on Basic