Send money
like a text.
Crypto wallets are complicated. Sawa replaces long addresses with phone numbers — send, receive, and pay friends instantly.
Download for Android01 · The Problem
Crypto promised
to free your money.
But first, you had to get this exactly right.
0x742d35Cc6634C0532925a3b844Bc454b2c1d4F3a
One wrong character = money gone forever. No undo.
Scroll to continue
02 · The Breakthrough
What if your wallet
lived in your contacts?
0x742d...4F3a
+234 802 123 4567
The people you love, already in your pocket.
Now they're your wallet too.
03 · The Sawa Way
Simple as
a text message.
No addresses. No complexity. Just send money to people you know, the way you already know them.
Sent $50 to Mom
Instant · No address needed
Powered by industry-leading infrastructure
"It just works, like magic."
— Early beta user, Lagos
Why Sawa
Designed for real relationships.
Sending money shouldn't feel like a transaction — it's an act of care. Whether paying tuition, sending support home, or splitting a bill, Sawa respects the connection between you and the recipient.
No wallet addresses
Just use phone numbers from your contacts. It's that simple.
Automatic sync
See who's on Sawa instantly — no manual searching needed.
Personal notes
Add a message to every transfer, because money has meaning.
Features
Professional grade. Human simple.
Built on powerful blockchain technology, wrapped in an interface anyone can use.
One Wallet, Every Chain
Hold and send USDC, SOL, ETH and Bitcoin across Solana, Ethereum, Base, Polygon, BNB Chain, Arbitrum, Optimism and Sui — we handle the networks so you don't have to.
Buy Crypto Instantly
Top up with a local bank transfer and watch crypto land in your wallet within minutes — no cards, no middlemen.
Sawa Pay
Pay bills, buy airtime & data, cash out to any bank or mobile money — and get paid as a merchant with shareable payment links and QR checkout.
We Run Our Own Rails
Sawa operates its own rails for on- and off-ramps — so conversions are faster, rates are fairer, and there's no third-party middleman.
Earn While You Hold
Put idle assets to work with built-in staking — stake SOL straight from your balance and unstake whenever you need it.
Secure & Non-Custodial
You own your keys and your money. Identity verification unlocks higher limits when you need them.
Swap in Seconds
Trade tokens at the best available rates on Solana and EVM chains — even across chains — without ever leaving the app.
Own a Piece of the Market
Buy fractional Apple, Tesla or S&P 500 exposure as tokenized stocks on Solana — no brokerage account required.
Trade the Headlines
Take a position on real-world events — elections, football, crypto prices — with prediction markets built right into the app.
Escrow for Real Deals
Get paid safely for freelance work. Funds lock in on-chain escrow, release when the job is delivered — no trust required.
Virtual Cards
Spend your balance anywhere with virtual Visa cards — create, fund, and freeze them right from the app.
Speaks Your Language
Use Sawa in English, Pidgin, Yoruba, Igbo, Hausa, French or Swahili — with your balance shown in 19 local currencies.
Tokenized stocks, prediction markets and virtual cards are not available in every country. Some features require identity verification. Nothing here is investment advice.
For developers
Sawa Toolkit
Phone-first identity & payment primitives for Solana — built on Privy and high-performance Rust rails.
@sawa/phone-resolver
Turn a phone number, username, or email into a Solana address via Privy.
@sawa/compliance-kit
KYC, tiered limits, AML policy, sanctions screening for 10+ African countries.
Private Treasury Primitives
Production on/off-ramp rails — used internally to power fast, fair conversions.
Why it holds up
Built for Africa.
Real infrastructure, not hype — phone-first payments, local compliance and private Rust rails that work across the continent.
Local first
Local rails, local currencies
Deep local support across Nigeria, Kenya, Ghana, South Africa, Uganda, Tanzania, Zambia and 40+ more countries — mobile money and bank rails that people already use.
- 50+ countries
- Mobile money
- Local banks
- Naira · Cedi · Rand
Simple UX
Phone-first identity
Send, receive and pay using a phone number straight from your contacts. No scary wallet addresses, and non-custodial throughout via Privy embedded wallets.
- Phone · username · email
- Contact sync
- Non-custodial keys
- Hashed identifiers
Compliant & live
Real production rails
Our own treasury, compliance stack (NIN/BVN, Prembly, sanctions screening) and on/off-ramp infrastructure — running in production, not on a roadmap.
- Private Rust backend
- Tiered KYC limits
- Helius + Jupiter
- AML & sanctions
Town Hall
Straight from the community.
Takes 30 seconds · sawawallet.org/review
Coverage
Africa & Beyond.
Send to any phone number across 50+ countries — from Lagos to London, Nairobi to New York.
LEADERSHIP + QUIET CONTRIBUTORS
The Team Behind Sawa
A lean, battle-tested team. Three of us lead publicly; a wider group of engineers, designers, and operators contribute behind the scenes and are available for diligence upon request.
Tyler
Co-Founder, FinanceLeads financial strategy, compliance (KYC/AML), and grant/fundraising efforts.
+ The wider team
Behind our public leadership is a tight group of contributors who prefer to stay off-stage. Together they cover the full stack of building a financial product — available for diligence on request.
FAQ
Questions, answered.
Is Sawa Wallet free to use?
Yes — downloading and using Sawa Wallet is free. You only pay a small, transparent fee when you convert between crypto and your local currency. No monthly fees, no hidden charges.
Which countries does Sawa Wallet support?
Sawa works across 50+ countries, with deep local support in Nigeria, Kenya, Ghana, South Africa, Uganda, Tanzania, Zambia and more — including cash-outs to local banks and mobile money in your own currency.
Is Sawa Wallet safe and non-custodial?
Yes. Sawa is non-custodial, which means you own your private keys and your funds — not us. Optional identity verification unlocks higher limits whenever you need them.
Which cryptocurrencies and blockchains does Sawa support?
You can hold and send USDC, USDT, SOL, ETH, SUI and Bitcoin across Solana, Ethereum, Base, Polygon, BNB Chain, Arbitrum, Optimism and Sui — all from a single wallet with one login.
Can I swap tokens inside Sawa Wallet?
Yes. Sawa has built-in swaps at the best available rates on Solana and EVM chains, including cross-chain swaps — trade tokens in seconds without leaving the app or using an exchange.
Does Sawa Wallet offer virtual cards?
Virtual Visa cards are rolling out soon — create a card from your balance, fund it, reveal details securely, and freeze or unfreeze it anytime, starting with Nigeria and South Africa.
What languages does Sawa Wallet support?
Sawa speaks 7 languages — English, Nigerian Pidgin, Yoruba, Igbo, Hausa, French and Swahili — and can display your balance in 19 local currencies, including Naira, Cedi, Shilling and Rand.
Can I buy crypto and cash out to my bank with Sawa?
Yes. Buy crypto instantly with a local bank transfer, and cash out straight to your bank account or mobile money. Sawa runs its own rails, so conversions are fast and fairly priced with no third-party middleman.
What is Sawa Pay?
Sawa Pay lets you pay bills, buy airtime and data, and settle electricity and cable TV — directly from your crypto balance, without needing any extra apps.
How do I send crypto using just a phone number?
Pick a contact, enter an amount, and send. Sawa maps phone numbers to wallets behind the scenes, so you never copy a long, scary address — sending crypto feels as easy as sending a text.
What is the Sawa Toolkit?
An open-source collection of developer primitives extracted from our production app: @sawa/phone-resolver (phone-to-Solana via Privy) and @sawa/compliance-kit (KYC/AML for 10+ African countries). The ramp/treasury service remains private/internal. Designed for Solana Foundation Developer Tooling grants and other teams building consumer-first crypto apps in Africa. See https://github.com/Dipraise1/sawa-toolkit.
Early Access
Be among the first.
Sawa is in beta. Sign up to secure your spot and get notified when we launch in your country.
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