FinCEN Registered Money Services Business

Send Money Home.
The smarter way.

Waari helps the African diaspora send money to West Africa with transparent fees, instant mobile money delivery, and zero hidden markups.

Get Early Access See how it works
🇲🇱 Mali
🇸🇳 Senegal
🇨🇮 Côte d'Ivoire
🇬🇭 Ghana
🇳🇬 Nigeria
🇰🇪 Kenya
1.5%
Flat fee via bank transfer
< 10 min
Average delivery time
0
Hidden exchange rate fees
Everything the diaspora needs
Built by the community, for the community
📱
Mobile Money First
Deliver directly to Orange Money, Wave, MTN MoMo, and M-Pesa wallets. No bank account needed for recipients.
💸
Transparent Flat Fee
1.5% flat fee via ACH bank transfer. We show the real exchange rate — no hidden markup surprises at the end.
⚡
Instant Delivery
Funds arrive in under 10 minutes via mobile money. No 4-day delays like traditional services.
🤝
Waari Pari
Digital tontine savings groups. Pool contributions with family and friends across borders and take turns receiving the pot.
🇺🇸
Domestic Transfers
Send money to other Waari users anywhere in the US instantly. Split bills, help family, contribute to community funds.
🔒
Bank-Level Security
Powered by Stripe and Plaid. Full KYC verification, OFAC sanctions screening, and 256-bit encryption on every transaction.
Simple, transparent pricing
No surprises. The fee you see is the fee you pay.
BEST RATE
ACH Bank Transfer
1.5%
Lowest fee — pay directly from your bank account
Debit Card
3.5%
Fast — small card processing fee applies
Credit Card
4.0%
Instant — standard credit card fee applies

Minimum fee $1.99. Real mid-market exchange rate always shown before you confirm.

Introducing Waari Pari

The first digital tontine built for the African diaspora. Create a savings group with family and friends across the US and West Africa.

Everyone contributes monthly. One person receives the full pot each round. Fully automated — Waari handles all collections and payouts.

Works with Orange Money, Wave, MTN MoMo, and USSD for members without smartphones.

Active Pari Group
Famille Diallo 🤝
AM
Amadou — Minneapolis 🇺🇸
$200 via ACH
✓ Paid
FD
Fatoumata — Bamako 🇲🇱
CFA 118,000 via Orange Money
✓ Paid
IB
Ibrahima — Paris 🇫🇷
€185 via SEPA
⏳ Due tomorrow
This round's pot
$2,000
How Waari works
Send money in 4 simple steps
1
Create account
Sign up and verify your identity in minutes with a photo ID and selfie.
2
Enter amount
See the live exchange rate and exact fee before you confirm anything.
3
Choose payment
Pay by bank transfer (lowest fee) or card. Verify with a quick SMS code.
4
Money arrives
Recipient gets funds on their Orange Money, Wave, or MTN wallet in minutes.

Ready to send money the right way?

Join the waitlist and be among the first to use Waari when we launch.

Get Early Access

Questions? Email us at hello@waari.app