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About Stax - Move money without stress

What is Stax?
Stax is a simple way to manage and spend from all your financial accounts (traditional bank, digital bank and mobile money accounts) on a single app.

On Stax, you can send and receive payment offline or online, and never have to dial a USSD code again. For all transactions and across every service we cover, we have automated the USSD flow so you can spend and receive money faster, easier and with less stress.

Stax works offline:
- Transact without internet connection up to 14 days

Move Money From Multiple Accounts from Stax:
- On Stax, you can send and request money, and buy airtime.
- Check transaction history and status across all your accounts
- Check all account balances at once
- Keep your balances hidden
- Transfer money between your accounts
- Create payment links to request money and send the links via WhatsApp, Instagram, or SMS.

Smooth Onboarding Process:
- Download, open the app and start spending immediately. No signup required.
- Passcode protected

Once you download the app, link your bank and mobile money accounts to Stax to check your balances and start securely transacting.

Coverage

Nigeria
Ghana
Kenya
Uganda
Zimbabwe
Côte d'Ivoire
Tanzania
Zambia
Congo
Cameroon

Across these countries, we cover multiple services and are adding more each week.

FAQs

Does Stax charge fees?:Stax will never charge you extra fees.

Does Stax take my PIN?: Stax never stores your PIN. We never see your PIN. Your PIN never leaves your device. Whenever you are asked for your PIN in the app, we encrypt the PIN on your device with Android Key Store, which is trusted by thousands of banks all over the world, and delete it as soon as you give it directly to your bank or mobile money provider's USSD system.

Why does Stax ask for permissions?: Stax needs SIM permissions so we know which banks or mobile money providers to show you. When you view your balances, move money, or buy airtime with Stax, the app creates an overlay to show you progress. We need the overlay permission to do this. Beneath the overlay, Stax dials the right USSD flows in the background on your phone to move money. To do this, we need accessibility permissions. We then look for the SMS message from your bank or mobile money provider to see if the transaction was successful. To do this, we need permission to see your SMS inbox.

Is Stax secure?: Stax uses 2-factor authentication by design for every single transaction. Every time you refresh a balance, send money, or buy airtime, you need your unique SIM card, and your bank or mobile money PIN.

Learn more on https://stax.me/faq/

Stax is built by Hover Developer Services, Inc. We are a U.S. company with team members across four countries on a mission to build an inclusive Internet, starting with mobile payments.

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