Load local cash from your phone.
Spend dollars anywhere Visa is accepted — instantly.
Visa cards exist in Angola — 9 of 23 banks issue internationally branded prepaid cards — but they're structurally inaccessible to most Angolans: formal employment proof, a branch visit (1 branch per 1,000 km²), and upfront card fees of 2,000–35,000 Kz. Angola's $100B+ GDP and its digital-native generation are locked behind an elite gatekeeping system.
~69% of adults have no formal bank account (BNA data: 31% formally banked; BNA target: 36% by 2027). Even those who qualify face card fees of 2,000–35,000 Kz upfront plus 2,000–50,000 Kz annually — and a BNA-imposed $10,000/year foreign spending cap.
Amazon, Booking.com, digital subscriptions, SaaS tools — all require an international card. Angolans pay 30-50% black-market premiums to access USD.
Multicaixa is a domestic-only EMIS network — it is not Visa or Mastercard and is rejected by foreign websites. Unitel Money and Africell Money have millions of users, but the money cannot cross Angola's borders. The BNA has itself issued alerts about illegal Visa card distribution, confirming demand vastly exceeds formal supply.
A prepaid virtual Visa card fully accessible via mobile money. No bank account required. Five-minute KYC with national ID. Load local cash, spend USD everywhere Visa is accepted.
Sign up with Bilhete de Identidade (national ID) + selfie. Account active in minutes — no branch visit, no paperwork, no credit check.
Top up via Multicaixa Express, Unitel Money, or Africell Money. Or buy a scratch card at any FEMAFOA partner shop for local cash — scratch the code, enter it in the app, card loaded instantly. No P2P exchange needed.
Amazon, Netflix, Booking.com, Google, Apple — online and in-store via Apple Pay / Google Pay. 40+ countries, 80M+ merchants.
Diaspora in the UK or Portugal fund a card for family in Africa — sent instantly as a WhatsApp link. No app download needed. Family uses it online in minutes.
One seamless flow connecting Angola's mobile money ecosystem to the global Visa network — powered by battle-tested infrastructure.
Enter BI number + selfie. AI KYC verified in <2 min.
Virtual Visa issued instantly. Add to Apple/Google Pay.
Pay via Multicaixa Express, Unitel Money, or Africell — or scratch a shop voucher code.
Local currency auto-converted to USD. Accepted anywhere Visa works.
UK/Portugal sender signs up with a passport. Creates a card for a named family member.
Funds the card via Coinbase or Binance UK. Instant. 2.5% FX fee — cheaper than Western Union.
Card details delivered as a secure link. No app download needed by recipient.
Recipient in Angola, DRC, Ethiopia, Mozambique or Zimbabwe uses the card online immediately — no bank account required.
No accessible Visa prepaid card exists across our target markets that loads via diaspora payment rails. 350,000+ African diaspora in the UK alone are the go-to-market entry point. 500M+ unbanked across Angola, DRC, Ethiopia, Mozambique and Zimbabwe are the total addressable market. The acquisition channel and the end market are on the same product.
Revenue begins on day one of card launch. Every transaction generates FX spread income — no waiting for subscriptions to compound.
MojaCard is built on top of 7+ years of Angolan fintech infrastructure developed by co-founder Fernando de Assunção and MobiFam HUB Technology.
One founder in London driving the tech and product. One founder in Luanda with 7+ years of Angolan fintech infrastructure and regulatory relationships. No gap in the founding team.
This is the unlock round. The BNA licence, the Nium agreement, and the MVP launch are all achievable within this budget. We are not burning runway on product discovery — the product is built.