Send, save, borrow and trade — from any internet-enabled device, with no branch visit, no minimum deposit, and security that's already built for the next twenty years.
Four ways individuals put Shamwari to work — no formal banking relationship required to start.
Personal accounts are pay-as-you-go — a simple rate per transaction, disclosed upfront, with no monthly fee.
| Transaction Type | Fee | Minimum | Maximum |
|---|---|---|---|
| Send money (P2P transfer) | 0.75% | $0.05 | $15.00 |
| Pay a merchant or business | 0.50% | $0.05 | $10.00 |
| Buy or sell a digital asset | 0.30% per side | $0.10 | $50.00 |
| Deposit to savings | Free | — | — |
| Lock savings in a vault | 0.10%, one-time | $0.10 | $20.00 |
| Lend to another user (P2P) | 0.50% of amount | $0.25 | $25.00 |
| Repay a loan | $0.50 flat | — | — |
| Apply for a loan | $2.00 flat | — | — |
Personal accounts follow RBZ retail AML thresholds — a $500 single-transfer limit and $1,000 monthly cumulative cap, in line with existing mobile-money rules. Running a business instead? See merchant pricing →
No subscription, no minimum deposit, no branch visit. Set up an account and see what quantum-safe money feels like.
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