One Financial Identity. Anywhere.

Pay people, not account numbers. One @name to send, save and get paid, wherever life takes you.

Coming soon on iPhone and Android
A woman in a café smiling at her phone.
A customer paying a shopkeeper with a QR code.
Full price before you pay

Everything you pay, in your currency, before you confirm.

Proof when it arrives

You both know when the money has landed.

One @name for every account

Your number, bank and wallet stay private behind it.

Pay a person, not an account.

Send to @ama with her name, her number or a QR code. ZephyrPay finds where the money can land and shows you the full price before you confirm.

How your @name works

Money in a message.

Attach money to a message like a photo. She claims it, chooses where it lands, and only then creates her @name.

Money that knows what it's for.

Pockets for school, rent and travel. A Soso with your friends. A family account everyone can see.

Four friends laughing around a table in a courtyard.
Soso · Round 3 of 8
Save togetherEveryone pays in, one friend takes the pot, turn by turn.

Pockets

School, rent, travel: each goal gets its own pocket.

Private by design

People see @ama. Your number, bank and ID stay behind it.

Security and privacy
A mother and her teenage daughter looking at a phone in their kitchen.
Awa may pay for school and food25 000 FCFA a week · asks above 10 000 FCFA
Revoke

Made for the way you live.

For employees, families, shopkeepers, businesses and the diaspora.

A student on campus steps, laughing at her phone.
StudentsPocket money that lasts the month.
A family around the kitchen table, looking at a phone together.
FamiliesOne account everyone can see.
A customer paying a shopkeeper with a QR code.
Shop ownersGet paid by QR.
A workshop owner in Abidjan checking her phone.
BusinessesPay suppliers across borders.
A man in an office reading his phone.
DiasporaSend home to a person.
A retired man on a bench, reading a message on his phone.
Parents and grandparentsSimple, private, in control.

Available first in Ghana and the UEMOA.

Then the rest of Africa, through partner networks. Europe later, as one economic area.

  • Ghana
  • UEMOA, the eight countries of the West African Economic and Monetary Union
  • Europe, later, as the European Economic Area
Where we'll be

Coming soon on iPhone and Android.

ZephyrPay starts in Ghana and the UEMOA, for individuals and businesses alike.

Pay across borders. See every step.

Pay suppliers in the next country with the full price upfront, get paid by QR, and give your team access within limits you set.

Coming soon on iPhone and Android
A workshop owner in Abidjan checking her phone.

The full price, before anything moves.

Approve what your supplier receives and everything you pay. Then follow each step until the proof is filed.

Price shown upfront

What leaves your account and what arrives, before you approve.

Every step visible

Your team follows the payment from approval to arrival.

Proof, filed

Each payment keeps its proof of arrival for your records.

Get paid by QR.

Show your QR at the counter or share your business @name. Customers pay from the wallet or bank they already use.

A customer paying a shopkeeper with a QR code.

Give your team access, not your keys.

Let your accountant or assistant pay within limits you set. See every payment, revoke in one tap.

Try the button on the card.

An accountant in an office in Dakar working on a laptop.

One @name for your business.

Customers and suppliers pay @kumasi.textiles. Your account numbers stay private.

ZephyrPay for businesses is coming soon.

ZephyrPay starts in Ghana and the UEMOA, for individuals and businesses alike.

Send home to a person.

Working in Abidjan, family in Ouagadougou? Send to @awa. She chooses where the money lands, and you both know when it has arrived.

Coming soon on iPhone and Android
A man in an office reading his phone.

Next door, first.

ZephyrPay starts with the routes people use every day between Ghana and the eight UEMOA countries.

Your @name moves with you.

Change your number, your bank, your country or your currency. People still pay @ama.

A@ama
Number
+233 24 ••• 1182+225 07 ••• 5520
Bank
GH•• ••• 4410CI•• ••• 0937
Wallet
Mobile moneyZephyrPay wallet
City
AccraAbidjan
Currency
GH₵ cediFCFA

Ama moves from Accra to Abidjan. Her number, her bank, her wallet and her currency change. People still pay @ama.

Europe, later.

After Ghana and the UEMOA, ZephyrPay will open in Europe as one economic area, the European Economic Area. Your @name will come with you.

A man by a window in a Paris apartment, smiling at his phone.

Coming soon on iPhone and Android.

ZephyrPay starts in Ghana and the UEMOA, for individuals and businesses alike.

Private by design.

People see @ama. Your number, your bank and your ID stay behind it.

What others see. What stays private.

What people see

  • @amayour name
  • Ama M.display name
  • Accracity
  • Verifiedstatus

What stays private

  • Phone number••• ••• 1182
  • Bank account•••• 4410
  • Mobile money wallet•••• 1182
  • National IDGHA-•••
  • Emaila•••@•••

You stay in control.

Let your child, your accountant or your assistant pay within limits you set. See everything, revoke in one tap.

Try the button on the card.

Proof, not promises.

You see the full price before you pay. When the money lands, you both get proof.

A retired man on a bench, reading a message on his phone.

Simple enough for everyone.

Big numbers, clear prices and no account numbers to copy. Pay a name you know.

ZephyrPay is not a bank. The services described are not yet available. They will be offered with licensed partners, subject to regulatory approval in each jurisdiction.

Know the person, not the rail.

Today, paying someone means knowing their bank, their operator, their account number and the network in between. If one of them changes, the payment breaks. We are building ZephyrPay so you can pay a person, wherever their money lives.

Money is social. Borders make it expensive.

People send money home, pay a supplier in the next country, share the rent. Once the money crosses a border, the same simple act becomes slow and costly.

25.7%1

The cost of sending $200 from Senegal to Mali in the third quarter of 2025, one of the most expensive corridors in the world.

World Bank · Remittance Prices Worldwide

$57.2bn3

Personal remittances received by Sub-Saharan Africa in 2024.

World Bank · World Development Indicators

Average cost of sending $200, Q3 2025

8.46%2

To Sub-Saharan Africa, the most expensive region to send money to. That is almost three times the global target.

Where we'll be

We start in West Africa, then widen the circle.

  • FirstGhana
  • FirstUEMOA (West African Economic and Monetary Union)

    Benin, Burkina Faso, Côte d'Ivoire, Guinea-Bissau, Mali, Niger, Senegal, Togo

  • NextThe rest of Africa

    Through partner networks.

  • LaterEurope

    One economic area: the European Economic Area.

Boundaries on the map are for illustration only and imply no position on any territory.

Where we start.

Glass office towers in Airport Residential Area, Accra.
Accra
The covered hall of Kejetia market in Kumasi.
Kumasi
The Plateau business district of Abidjan at dusk, across the lagoon.
Abidjan
Wide sky over the Ouaga 2000 interchange in Ouagadougou.
Ouagadougou
Dakar seen across the sea from Gorée island, at sunset.
Dakar
Rooftops and palm trees in the Cadjéhoun district of Cotonou.
Cotonou

Coming soon on iPhone and Android.

ZephyrPay starts in Ghana and the UEMOA, for individuals and businesses alike.

Questions and answers

What ZephyrPay is, where it starts and how it keeps your money and your details safe.

What is ZephyrPay?
An app to send, save and get paid with one address, your @name. You pay a person by their @name, their number or a QR code. ZephyrPay finds where the money can land, shows you the full price before you confirm and gives you proof when it arrives.
Is ZephyrPay a bank?
No. ZephyrPay is not a bank. The services described on this site are not yet available. They will be offered with licensed partners, subject to regulatory approval in each jurisdiction.
Where will ZephyrPay be available?
First in Ghana and the eight countries of the UEMOA: Benin, Burkina Faso, Côte d'Ivoire, Guinea-Bissau, Mali, Niger, Senegal and Togo. Then the rest of Africa, through partner networks. Europe later, as one economic area. See where we'll be.
When will the app launch?
ZephyrPay is coming soon on iPhone and Android. We will announce the launch on this site.
How much will it cost?
You will always see the full price, in your currency, before you confirm a payment. Nothing is taken without you seeing it first.
What is an @name?
Your address on ZephyrPay, like @ama. People pay your @name instead of your phone number or account number. It stays the same when your number, your bank, your country or your currency changes.
Who can see my phone number or bank account?
People who pay you see your @name, your display name and your city. Your phone number, bank account, mobile money wallet and ID stay private. See security and privacy.
Can someone receive money without the app?
Yes. You can attach money to a message. The person claims it, chooses where it lands, and only then creates their @name.
What is a Soso?
A savings circle, also called tontine or susu. Each member pays in every round and one member receives the pot, turn by turn. ZephyrPay keeps the rules and the turns visible to everyone in the group.
Can I let someone else pay for me?
Yes, within limits you set. Your child, your accountant or your assistant can pay for what you allow, up to an amount per week, and ask you above a threshold. You see every payment and can revoke access in one tap.
Is ZephyrPay for businesses too?
Yes. Businesses can pay suppliers across borders with the price shown upfront, get paid by QR and give their team access within limits. See ZephyrPay for businesses.

Legal information

Legal notice

ZephyrPay is not a bank. The services described are not yet available. They will be offered with licensed partners, subject to regulatory approval in each jurisdiction. Screens and amounts are illustrative. The people in the photos are AI-generated illustrations, not customers.

Privacy

This site does not ask for any personal data and uses no advertising or analytics cookies. Your language choice is kept in your browser only.

  1. World Bank, Remittance Prices Worldwide, corridor Senegal to Mali, $200, Q3 2025 (25.70%). remittanceprices.worldbank.org
  2. World Bank, Remittance Prices Worldwide Quarterly, Issue 54, September 2025 (Q3 2025): Sub-Saharan Africa 8.46%, global average 6.36%. SDG target 10.c: 3% by 2030. PDF
  3. World Bank, World Development Indicators, personal remittances received (current US$), BX.TRF.PWKR.CD.DT, Sub-Saharan Africa, 2024: US$57.23 billion. data.worldbank.org

Figures checked on 26 September 2026.

Photo credits

Photos of people are illustrations generated with AI (Canva). They do not show real customers.

Map data

Natural Earth (public domain), via the world-atlas package. Boundaries are shown for illustration only and imply no position on any territory.