CitizenWealth

Your money shouldn’t lose value while it sits. And it shouldn’t cost a fortune to send home.

CitizenWealth is a borderless financial platform for global communities. Hold stable currencies, save together with your community across any border, and send money home — all from one app.

HOLD THE WORLD’S STRONGEST CURRENCIES
Open a digital wallet in minutes. Hold USDC, EURC, and USDB — pegged 1:1 to USD, EUR, and backed by US Treasury securities. Fund via bank transfer (ACH, Faster Payments, SEPA) or mobile money (M-Pesa, MTN, Airtel). No minimum balance. No maintenance fees.

SAVE TOGETHER — ACROSS ANY BORDER
Digitize your stokvel, chama, tanda, esusu, tontine, or paluwagan. CitizenWealth savings clubs support up to 50 members worldwide and offer flexible club types:
• Rotating Payout — the classic structure, now in stable currencies
• Shared Goal — pool funds for property, education, or business
• Emergency Fund — a community safety net with transparent payouts
• Investment Club — grow together and save towards investing for something big

Every contribution is tracked on a real-time transparent ledger. Multi-admin governance, auto-pay scheduling, activity feeds, and milestone celebrations keep your group organized and connected — even across time zones.

SEND MONEY HOME FROM 1%
Transfer funds to 40+ countries across 20+ African corridors. Recipients get paid in local currency via bank transfer or mobile money. No hidden fees. Zero recipient fees. Real-time tracking from send to receive.

Average savings: $540/year compared to traditional bank transfers.

YOUR SAVINGS EARN WHILE THEY SIT
Hold USD and earn up to 3% APY on savings club balances and 2% APY on individual savings. Earnings accrues daily, paid out monthly, backed by US Treasury securities — not speculation. No lock-up. No minimum balance.

BUILT ON TRUST, NOT PROMISES
• Fund segregation — your money is never lent or invested without consent
• Every fee visible before you confirm — no surprises

TWO SIMPLE PLANS
Basic (free): Full access to wallets, savings clubs, and transfers.
Pro ($9.99/month): Lower fees on every transaction, external sends, and priority support.

WHO IT’S FOR
• Diaspora families sending money home and saving together across borders
• Savings club organizers tired of spreadsheets and WhatsApp disputes
• Freelancers and remote workers earning in USD, GBP, or EUR
• Anyone who wants their savings to hold value — not lose it