Fast transfers for everyday sending. Conditional escrow when it matters. Hakika gives Africans abroad full control over money they send home to Nigeria, Ghana, Kenya and Rwanda — for the first time.
Every year Africans abroad send over $34 billion home to Nigeria, Ghana, Kenya and Rwanda combined. School fees, hospital bills, a sibling's shop stock, a house under construction. The money lands. Then you cross your fingers.
A voice note saying thanks. A blurry photo of a receipt. A call home that goes unanswered for three days. This is not how trust should work.
Hakika is not another remittance app. It is the layer that every remittance app is missing — the ability to attach a condition to your money, enforce it automatically, and know for certain that it went where you sent it.
Send freely when you want to. Send with conditions when you need to. One app handles both — with M-Pesa, MTN MoMo, Vodafone Cash, and bank transfer settlement on the recipient's end, depending on their country.
The escrow sits on the Stellar blockchain. Not with Hakika. Not with a bank. Not with a family member. The conditions you set are enforced by a public ledger nobody can touch.
The whole flow runs in your browser. The recipient needs the Hakika app. No bank, no agent, no middleman holding your money.
Enter the amount, name the recipient, state what the money is for. School fees, a hospital bill, shop stock, construction. Any purpose. Your words.
Your money moves onto the Stellar blockchain. The recipient sees it is there. Nobody can access it until you approve — including Hakika.
A fee receipt. A hospital invoice. A photo of goods purchased. They upload whatever you agreed. You get a notification the moment it arrives.
Review the proof, approve with one tap. Funds settle to M-Pesa, MTN MoMo, or bank transfer instantly. No proof by deadline means money returns to you. Automatically.
Emeka's mother in Lagos has uploaded a hospital invoice. He is in London. The money is locked. Proof is in.
One tap and it settles to her MTN MoMo wallet.
₦150,000 for school fees in Ibadan. A voice note saying it was paid. A call from the headteacher two weeks later. With Hakika, funds stay locked until the fee receipt arrives. She sees it, approves, the child goes to school.
Two transfers for a knee operation. Both times postponed. The third time he used Hakika — funds locked until the hospital admission slip was uploaded. Surgery happened the next morning. Settled via Vodafone Cash.
KES 60,000 to restock a hardware shop in Kisumu, sent in two tranches. First released on stock photos, second on a monthly sales update. He backed his sister's business without losing sight of a single shilling.
Foundation, walls, roof. Three milestone payments in Kigali, each releasing on a contractor photo. RWF 3.2M moved across four months, fully accounted for. The house is finished. He has never once set foot on the site.
| Bank / Mobile money | NALA / WorldRemit | Hakika | |
|---|---|---|---|
| Fast transfers | ✓ | ✓ | ✓ |
| M-Pesa / MTN MoMo / Vodafone Cash | ✓ | ✓ | ✓ |
| Standard free transfers | ✓ | ✓ | ✓ |
| Nigeria · Ghana · Kenya · Rwanda | Partial | ✓ | ✓ |
| You control the purpose | ✗ | ✗ | ✓ |
| Proof required before release | ✗ | ✗ | ✓ |
| Auto-return if unused | ✗ | ✗ | ✓ |
| Blockchain-enforced conditions | ✗ | ✗ | ✓ |
Takes two minutes. Tell us where you are and what you send money for, and we will let you know when your spot is ready.
REQUEST EARLY ACCESSNo spam. Just a note when your spot is ready. Launching Nov 2026.