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Sente

The Sente app

Everyday money, in your pocket.

Send, pay, save and get paid from one balance. The app is one way into the Sente platform: the same platform answers on a feature phone, at an agent, at a shop counter and inside other businesses' products.
The Sente app home screen: total balance, quick actions and recent activity
HomeBalance, spending and recent payments at a glance.
Amani, the Sente assistant, preparing a transfer for the user to review
AmaniAsk in plain words. Amani prepares it, you confirm.

Screens from the Sente app. Names and amounts are illustrative.

Meet Amani

An assistant that never moves money on its own.

Type or speak — “send 500 shillings to Kito for lunch”, “what did I spend on transport this month?” Amani answers questions about your own money and prepares payments as a card you review. Nothing happens until you confirm in the app, with the same checks as any other payment.

  • Plain words or voice

    Type or speak the way you would ask a friend.

  • Prepares, never sends

    Every payment Amani drafts waits for your review and confirmation.

  • Knows your account

    Balances, recent activity, statements and spending, on request.

  • Same safety checks

    Limits, fraud and compliance checks apply exactly as they do elsewhere.

In the app

Everything a household or a shop needs.

  • Send and request

    By phone number, email or @handle. Split a bill or share a payment link.

  • Across borders

    The rate is shown and locked before you send to family in another country.

  • Pay anywhere

    Scan a QR code, pay a merchant code or check out online.

  • Airtime, bundles and bills

    Top up and pay utilities from the same balance.

  • Cards

    Virtual and physical VISA cards with limits, freeze and PIN controls.

  • Stablecoins

    Hold, send and convert USDT next to your local currency.

  • Save and plan

    Several wallets, savings goals, round-ups and standing orders.

  • Statements

    Official statements and spending insights whenever you need them.

  • Protected

    Biometric sign-in, two-step verification and a step-up check on large payments.

Every channel

Six ways in, one platform behind them.

  • Mobile app

    Everyday money on Android and iOS: send, pay, save, cards and more.

  • USSD

    Dial a short code on any phone. No data or smartphone needed.

  • Agents

    Neighbourhood agents turn cash into digital money and back again.

  • Merchants

    Take payment by code, QR, link or online checkout.

  • Developer API

    Build your own products on top of Sente. One API, many markets.

  • Amani assistant

    Ask in plain words or by voice; Amani prepares it, you confirm.

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