Money that moves as fast as a message.

Hold dollars, send money across borders in seconds, and cash in and out through the mobile money you already use. One app, one clear fee, no surprises.

Get the app See how it works

You send

US$

They receive

GH¢5,786.22

Send money

Fee US$5.50 · Rate locked 15 minutes · Arrives in under 90 seconds

Mid-market rates as at 30 Sept from ExchangeRate-API

What do you need money to do today?

For you and your family

Send money home, hold your savings in dollars, and pay anyone with a phone number. Cash out to MTN MoMo, Telecel Cash or Bank transfer in seconds.

Explore personal

For your business

Take payments from customers, settle the same day, and pay suppliers in another country without a week of bank calls.

Explore business

Three steps. That's the whole thing.

See the full walkthrough

Add money.

From your mobile money wallet, your bank, or a card. It lands in your PALESA balance as dollars.

Send it.

To a phone number, a PALESA tag, or a bank account in another country. It moves in seconds.

They cash out.

Straight to their mobile money or bank account, in their own currency.

The cedi moves. Your savings don't have to move with it.

Hold part of your balance in digital dollars — dollar-backed tokens that hold their value against the US dollar — and convert back to cedis whenever you need to spend. There is no minimum, no lock-in, and no notice period.

Put dollars into savings and they can earn a return. Returns are variable and not guaranteed, and your everyday balance does not earn one.How holding dollars works

Sending money to Africa costs more than sending it anywhere else on earth.

These are the numbers we are building against.

8.46%

Average cost of a US$200 transfer to Sub-Saharan Africa, against a 6.36% global average. World Bank, Q3 2025.

US$1.4tn

Moved through mobile money in Sub-Saharan Africa in 2025. The rails exist — they just stop at the border. GSMA, 2026.

US$5bn

The estimated annual cost of inefficient intra-African payments, on Afreximbank's own figures.

Why people switch

A price you can see

Every transfer shows the fee and the rate before you confirm. Compare it to what your bank charges. We think you'll stay.

Money that arrives in seconds

PALESA settles on Stellar, an open payments network built for moving value quickly and cheaply. You don't have to know that. You just have to notice it landed.

Built on what you already use

Mobile money in, mobile money out. No new habits, no branch queues, no forms.

Your money, handled properly.

Here is what people ask us first.

Read about security

Who am I actually sending money to?

Every account is checked against a government ID before it can send or receive. There are no anonymous accounts on PALESA.

Where is my money kept?

Your balance is held as digital dollars, backed one for one by real dollars in reserve and kept separate from company money. You can withdraw it whenever you want.

Who is responsible if something goes wrong?

MoniMoove Technologies Ltd, a registered Ghanaian company answerable to the Bank of Ghana and the SEC. There is a named officer and a complaints process you can use.