"Bɔ ka, sie. Bɔ ka, sie." — Each time you pay, you save.
With Pendya, saving happens automatically the moment you transact — for food, a drink, transport, anything. Your savings grow with every transaction.
252 million mobile money transactions happen across Sub-Saharan Africa every single day.
$1.4 trillion moved through mobile wallets in 2025. The saving culture is deeply rooted here. Yet not one of those 252 million daily transactions automatically generates savings for the person making it.
PENDYA CHANGES THAT. ONE TRANSACTION AT A TIME. ↗
"Wo wo GHS 100. Wo tɔ aduan GHS 80. Firi GHS 20 no — eye saa a wobɛhunu sɛ wɔde kɔɔ biribi a woannwene ho."
"You have GHS 100. You spend GHS 80 on food. The remaining GHS 20 — it's gone on something you never planned to buy."
This is the everyday reality for millionsEvery coin in a pocket is a decision waiting to happen. In low-income households, that decision almost always ends in spending — because spending is automatic and saving is not.
Pendya reverses the default. Saving no longer requires a separate thought. It happens the instant a transaction happens — invisibly, automatically, every single time. This is savings that happens while you simply live your life.
"Nkyinkyim mmiɛnsa. Suban koro. " — Every transaction becomes a saving opportunity.
Use Pendya to pay any merchant — exactly like Lipa Na M-Pesa or MTN MoMo. You pay from your mobile money. Simple, familiar, instant. The merchant receives their full payment.
Before confirming, pick your save bundle — GHS 5, 10, 20, 50, or your own amount. That amount joins your payment and goes straight to your Pendya savings wallet. You decide. Every time.
Your savings accumulate with every transaction. Earn reward points at milestones. Access anytime, no penalty. Your savings history unlocks micro-loans and insurance — on your terms.
"Ubatse mu ndinganire — ugenda ndetse nawe ukura."
Pay any merchant the way you already pay with M-Pesa or MTN MoMo. Every single payment gives you the option to save a chosen amount at the same moment. Paying and saving become one single action.
Automatic micro-savings generated at every payment. Choose your bundle, apply it every time, or customise per transaction. Access anytime. Earn reward points as your balance grows. Your financial identity starts here.
Peer-to-peer micro-lending powered entirely by your history. Your transaction behaviour is your credit score. Repayments automated from mobile money flows.
Parametric micro-insurance for farmers and informal traders. Priced from your real transaction data. Weather-indexed crop cover. Business interruption insurance. Premiums deducted from savings automatically.
"Informal economy ne yɛn aguabasa." — The people formal finance has ignored for too long.
Save when buying seeds. Save after selling harvest. Build credit history for agricultural input financing and weather insurance.
Mama mbogas, food sellers, wholesale buyers. Every daily purchase builds savings and eventual access to working capital.
Accept Pendya payments for rides. Automatically save from daily earnings. Build your financial identity.
Accept Pendya at your counter. Attract loyal customers. Access working capital loans based on your transaction history.
"Tua. Sie. Nyin." — Your savings start with your very next payment.
Pendya is live in Ghana and expanding across Africa. Join our waitlist as a merchant or a saver and be part of the first community to save as they spend.
No fees to join.