Send money to anyone in East Africa — M-PESA, MTN, Airtel, Vodacom, or bank — from one Sharet wallet. Internal transfers are free. External payments cost less. And the person you are paying never has to sign up for anything.
You have a Sharet wallet. They have M-PESA, MTN, Airtel, Vodacom, or a bank account. You enter their number or PayBill. Sharet identifies the country, network, and rail — and routes the payment. They get paid. They never had to download anything.
You are in Nairobi. Your supplier is in Dar es Salaam. You have their +255 number. You enter it in Sharet, choose the amount, confirm. Sharet does the rest — country detection, network identification, treasury check, rail selection, payout execution. Your supplier receives TZS in their Vodacom wallet in minutes.
Recipient side · Vodacom M-Pesa
Whether you accept payments, send money, or build on our infrastructure — Sharet is one wallet and one ledger behind the scenes. Pick the door that matches what you do.
Send to family, pay for goods, receive from abroad — from one wallet. Recipients don't need Sharet.
Personal →Pay suppliers abroad. Get paid from abroad. Settle locally in KES, TZS, or UGX.
Trade →Full API, SDKs, sandbox, webhooks, and a white-label option for banks, fintechs, and platforms that want to launch their own branded wallet on top of Sharet. The ledger, treasury, and adapter layer are all licensable as IP.
Developers & licensing →Moving money from one rail to another in East Africa traditionally takes multiple hops — withdraw, convert, send, deposit — with a fee at each hop. Sharet collapses that into one payment routed through one ledger. Because the ledger carries the internal movement for free, the only fee is the external rail at the destination.
The ledger is the cheapest place for money to move. Everything else is a rail. — Sharet engineering principle
In practice, this makes cross-rail payments in East Africa cheaper by a wide margin — often 40 to 60 percent less than routing through traditional intermediary paths. The savings come from removing hops, not from squeezing margins.
Sharet sits on both sides of the African trade corridor. Importers can pay suppliers in China, the UAE, Europe, or India — settling in USD, EUR, or GBP — while the recipient receives funds in whatever rail or currency they use locally. Exporters can receive payment from international buyers and settle directly into M-PESA, MTN, Airtel, or a local bank account.
Trade corridor · in and out of Africa
We did not try to integrate every network on day one. We picked the rails that matter most in each market, built deep integrations, and will add more as transaction volumes justify them.
Built for East African markets
Short notes from the Sharet team — working notes on rail routing, liquidity, ledger design, trade corridors, and the markets we are watching closely.
How Sharet routes a payment to a phone number that isn't on our system — and why that is the whole point of the design.
Read note
Why Sharet maintains local settlement positions in each market instead of moving every customer's funds across borders per transaction.
Read note
What we learned building settlement rails for importers paying suppliers abroad — and why the fee structure matters more than the FX rate.
Read noteWhether you accept payments, send money, or build on our infrastructure — we onboard merchants in a day, individuals in minutes, and platforms in a week. Send us a note and we will get you set up.
