ZUMA
One Continent, One Wallet
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ZUMA
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Zuma is the operating system for everyday African commerce: money, mobility, food, shopping, homes, work, health, travel, entertainment and community — one account, priced in every local currency, live in 122 cities.
Every module feeds the wallet, and the wallet feeds every module. A rider is paid in Zuma Pay, spends it on Zuma Eats, saves in a pocket and borrows from a Zuma lender — all inside one app.
Super apps win on distribution and trust. Zuma ships both from day one.
Row-locked double-entry ledger, PIN + KYC tiers, escrow, credit scoring and a lender marketplace — the money layer PayPal, Safaricom and Binance compete on, built for every African currency.
54 countries and 122 cities seeded with outlets, riders, lenders, events and organisations; every price converted; every module localised per market.
Escrowed auctions, verified sellers and lenders, rider dispatch with pickup codes, KYC-gated limits, audited money movements and admin dispute resolution.
Commission on rides, deliveries, food and auctions; 10% of lender interest; payout fees; catering and event ticketing; premium listings — all flowing through one ledger.
Wallet history becomes credit history; orders become supply maps; socio-economic data serves governments and NGOs — every transaction makes the next one smarter.
Filament admin for every module, idempotent seeders, scheduled jobs, guarded migrations and a one-command deploy — the platform runs on shared hosting today and scales tomorrow.
Four steps, one ledger.
Investors, partners, merchants and riders: Zuma is live, seeded and operating. Let's build the next decade of African commerce together.