For individuals · East Africa

Send to anyone.
They don't need
an account.

You have a Sharet wallet. Your family, your friends, your landlord, your supplier — they have M-PESA, MTN, Airtel, or a bank account. You type their number, confirm the amount, and they get paid. They never download anything. You pay less than the traditional route, and often much less.

Create your wallet See a worked example
0% · Sharet-to-Sharet fee ~60% · cheaper than traditional hops 0 · signups needed on the other side
A Sharet user sending money from their phone in Nairobi.
Send TO +255 · VODACOM
THEY GET PAID ON THEIR RAIL
How it works

What happens
when you press
"Send".

No black box. Here is exactly what Sharet does when you send money to a phone number that is not on Sharet. The recipient never needs to know any of this.

You type a number

For example +255 754 000 000. You choose the amount: KES 10,000. You confirm.

Sharet reads the number

Country code +255 → Tanzania. Prefix 754 → Vodacom. Currency: TZS. Rail: Vodacom M-Pesa.

Sharet checks liquidity

Verifies your balance, checks the Tanzania TZS pool, confirms the recipient number is in good standing.

Sharet converts and routes

KES is converted to TZS at the displayed rate. A payout is executed through the Vodacom rail.

The recipient gets paid

They receive a standard mobile money notification: "You have received TZS … from Sharet."

You get a receipt

A Sharet ledger entry: amount, FX rate, fee, recipient, timestamp. Exportable for taxes or records.

Nothing else happens

No signup on the recipient's side. No app install. No account creation. No phone call. Just the payment.

If it fails, you know

You get an immediate webhook, a notification in the app, and a refund of the full amount if the rail could not complete.

Cost comparison

KES 10,000 from
Nairobi to a
Vodacom number.

Here is what the same transfer costs on the traditional path versus on Sharet. Both numbers are real, sourced from published rates as of September 2026. Your mileage may vary by a small margin.

Traditional path · M-PESA → Bank → Forex → Vodacom

Three hops.
Three fees.

  • M-PESA withdrawalKES 165
  • Bank wire feeKES 250
  • Forex spread (~3%)KES 300
  • Vodacom depositKES 135
  • Total feesKES 850
  • Recipient receives~ TZS 145,000
  • Settlement time1 – 3 business days
Sharet path · one ledger, one hop

One payment.
One fee.

  • Sharet feeKES 320
  • FX spread (transparent, ~1%)Included
  • Vodacom depositIncluded
  • Total feesKES 320
  • Recipient receives~ TZS 165,000
  • Settlement timeMinutes

Savings: KES 530 (~62%) · recipient receives ~14% more · settlement ~1000× faster

What you can do

Everything you
already do today.
Just cheaper.

A Sharet personal wallet replaces the four or five apps and portals you currently use to move money. Here is what is inside.

01

Free internal
transfers.

Send to any Sharet user in East Africa for free. Instantly. Permanently.

02

Send across
rails.

Send to M-PESA, MTN, Airtel, Vodacom, or bank accounts across Kenya, Tanzania, and Uganda.

03

Receive from
abroad.

Friends and family abroad send to your Sharet wallet. You receive directly on M-PESA, MTN, or bank.

04

Pay for
goods.

Pay merchants, marketplaces, and suppliers by phone number, business code, or bank account.

05

QR
payments.

Pay in person with a QR code. No number typing required.

06

Full
history.

Every payment, filterable by rail, country, amount, and date. Exportable.

Why this is possible now

You could not do
this in 2020.
You can in 2026.

Until recently, sending money between mobile money networks in East Africa was not something a small company could build. Each telco kept its API behind a bilateral commercial agreement. That began to change in 2021 when Safaricom opened the M-PESA Daraja API to third parties, and continued through 2024 as MTN, Airtel, and Vodacom each opened their platforms.

Sharet is built on that shift. We are not the first company to notice it, but we are one of the first to build a single wallet that routes across all of them — because for the first time, the integration is an engineering problem rather than a multi-year business development exercise.

Join the list

Minutes to
join. Free to
hold.

Sign up with your phone number. We will invite you as soon as your wallet is ready in your market. No monthly fees. No minimum balance.

By submitting, you agree to Sharet's terms of service and privacy policy. We will reply to the email above.
Get started · 2026

Send across
East Africa.
Cheaper. Any rail.

One wallet for every rail in East Africa. Zero internal fees. The recipient never needs Sharet. Sign up today.

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