Coming soon

The financial OS for people whose income doesn't move in straight lines.

No paperwork. No gatekeepers. No waiting.
Irregular income becomes organized power.

Join the waitlist → See who it's for ↓
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500+ people are already waiting

Built for you

The hundreds of millions the system was never designed for.

🛍️
The Trader
Restocking before month-end, juggling cash flow, building something real — one day at a time.
💻
The Freelancer
Waiting on three late payments, managing your own taxes, with no employer to fall back on.
👨‍👩‍👧
The Family
Splitting one salary across rent, school fees, and savings. Making every franc count.
🌍
The Ambitious
You have a financial story. You just need the tools to write it on your own terms.
All in one place

Everything your money needs to work for you.

Budget, save, invest, send money across borders, and build your credit score — all from one app designed for the way you actually live.

Bonjour, Adèle 👋🏾
425 000 FCFA
Cashflow ce mois
💰
Budget restant
210 000 FCFA
🎯
Objectif épargne
75 000 / 200 000
📊
Score Moani
742 / 1000
🤝
Tontine du groupe
Tour 3 / 8
What Moani does for you

Irregular income becomes organized power.

⚡
Auto-Save
Set goals and let Moani save automatically — even when income is unpredictable.
💳
Instant Credit
Access credit based on your real financial behavior — not paperwork or bank history.
🌐
Cross-Border Payments
Send and receive money across Africa — fast, cheap, and without the hassle.
🤝
Group Savings
Digital tontines and njangi — your community's savings tradition, finally on your phone.
🧠
Cashflow Coach
Personalized guidance that helps you plan, grow, and stay ahead — every month.
📊
Credit Score
Build your financial identity. Open doors that were never open to you before.
"Behind every business, every family, every dream —
there is a financial story waiting to be told."
Moani. Powering every story.
Early Access

Be among the first.

Moani is coming soon. Join the waitlist now and get priority access the day we launch.

Join the waitlist →

🔒 Free · No credit card required · No spam