Send money
From your wallet to anyone.
Pay a wallet name, or share a WhatsApp / payment link. Person-to-person sends stay at 0% platform fee — you sign in your wallet; Sika App never holds your keys.
BetaGhana first, then West Africa
Digital money,made simple
Send money in seconds, share a WhatsApp payment link, grow savings, and run group wallets. Built for how Ghana already moves money. Accra first.
Stablecoin issuance is on the roadmap.
Today you send, receive, and grow in a non-custodial wallet. A Ghana cedi 1:1 peg and open issuer rails are planned next — not live in this app yet.
Non-custodialRoadmap · open issuanceP2P 0% fee
Roadmap
Open issuanceRoadmap · Reserved 1:1 pegs
Issue a stablecoin. Peg what you need.
Use Sika App today as a non-custodial wallet. Reserved stablecoins — starting with a planned 1:1 Ghana cedi peg — are on the roadmap so that when issuers go live, you hold those pegs in the same wallet you already use to send and grow.
Open to issuersQualified entities can launch a reserved 1:1 peg. Ghana cedi first on our roadmap, then other fiats and commodities.
Reserved & checkable (planned)When issuers go live, each unit is meant to match custody reserves with public attestation — rules for that program, not a claim about today's balances.
Hold in Sika AppYour A balance works in the wallet today. Issued pegs are designed to sit beside it later. Roadmap: MoMo, bank transfer, or partner agent.
1
Issued pegHeld in Sika App
₵
1 GHSGhana cedi (example)
Reserve rules for every issuer · attestation published openly · See issuance guidelines →
S
ANetwork token
Your everyday balance in Sika App. Put A to work in the savings pool, choose leaders with growing weight, and spend it on wallet capacity when you need a boost. Issued stablecoins sit beside it when they go live.
GrowEarn rewards
+
Issued pegsRoadmap · issuance
Live now: send, receive, grow, and group wallets with keys that stay yours. Issuer stablecoins and cash-in/out partnerships come later on the published roadmap.
Everything in one wallet
One app for your whole money life.
From sending to family in Kumasi, to growing savings or running a susu group wallet, Sika App keeps the flows simple — with MoMo-familiar screens, not a live MoMo cash-out rail yet.
01Send moneyTry send in the app →
Send to anyone, in seconds.
Type a name, scan a QR, or pick from your favorites. We show fees and arrival time before you confirm. No surprises.
AM
Ama Mensah
amamensah.gh
A 250.00
Network feeA 0.02
Arrives in~1 second
02Receive moneyOpen receive screen →
Your QR, shared anywhere.
Show a code in person, or share a payment link via WhatsApp. Get paid in A in seconds.
Your handlekwame.gh
Share viaWhatsApp · Copy link
StatusReady to receive
03GrowGrow my money →
Grow your money on A.
Put tokens to work in the savings pool. Rewards arrive on a clear schedule, and can settle into issued stablecoins as those pegs go live. Base yearly rate + up to 5% from an optional community boost. Withdraw after a 7-day wait.
Base yearly rate…
+ Community boost (optional)up to +5.0% APY
Example total… in A
Put A to work in the savings pool today. When cGHS goes live, rewards can settle into that peg. Community boosts are optional (max 5%).
04LeadersChoose leaders →
Choose who keeps the network strong.
Pick up to 30 network keepers, or trust a community guide to choose for you. Eligible guides can share up to 5% extra rewards on money you are growing.
Choosing 14 of 30 keepersdirect
Or pick a community guide
05BusinessOpen Sika App →
No single hand controls the money.
Set up a group wallet where 2 of 3 approvers must agree before money moves. Perfect for churches, susu groups, and SMEs.
KA
AM
YO
+1
2 of 3 approvedOne more needed
Made for how you move moneyWe didn't translate a global app.
We didn't translate a global app.
We built one for you.
Sika App Twi greetings, WhatsApp payment links, and confirmation flows that feel familiar if you already use MoMo. Live today: send, receive, grow, and shared group approvals — MoMo cash-in/out is roadmap, not a live rail here.
Nkyinkyim
Initiative & movement
The Adinkra symbol behind our mark. Ghanaian resilience meets digital progress.
5 languages
English · Twi · Ga · Ewe · Hausa
Real translations, not machine copy. Reviewed by native speakers.
WhatsApp-native
Share like you already do
Every receipt, payment link and QR has a one-tap WhatsApp share built in.
MoMo familiar
Feels like home
Confirmation screens and receipts modeled after the apps you already use — without claiming MoMo cash-out is live yet.
See it in action
Three taps to almost anything.
Every flow is designed to feel familiar if you use MTN MoMo, Telecel Cash, or your bank app — with clear on-chain records you can check in the wallet.
Receive money
Your QR, shared anywhere.
Show a code in person, or share a link to your WhatsApp customer to get paid in seconds.
Open receive screen →Community voting
Your voice on the network.
Pick representatives you trust. We explain every proposal in plain English before you vote.
1
GhanaBlock Keeper · Accra
Your pick2
AfriaChain Keeper · Kumasi
82%3
NkrumahNode Keeper · Tema
71%4
Sankofa BP Keeper · Tamale
64%Sika App Business
Money that belongs to the whole group.
For churches, susu groups, family businesses, NGOs and startups. Set up shared wallets where no single hand controls the money. Multiple people sign off on every payment, with full audit history.
- Shared group wallets
- Full audit trail
- Multi-token
- Group thresholds
Church treasuries
SME accounts
Susu & savings groups
School & PTA funds
NGO disbursements
Family estates
Asantehemaa Susu Group
Group wallet · 3 approvers · 2 required
₵ 4,500.00
Quarterly disbursement to Sister Akosua, agreed at last meeting
Approval progress
Kwame Asante Treasurer · Approved 8:14 AM
ApprovedAma Mensah Chair · Approved 9:02 AM
ApprovedYaw Owusu Auditor · Awaiting
PendingRoadmap
Issue stablecoins. Tokenize real assets.
Today Sika App is a non-custodial wallet for send, receive, grow, and group approvals. Open issuance, reserved pegs, and real-world asset rails are on the product roadmap — designed so those assets land in the same wallet you already use.
01 · Roadmap · Real-world assets
Tokenize gold, cocoa, land.
Turn physical assets into digital shares. Custodian-attested, audit-ready, and tradable in the same wallet that already holds your everyday balance and issued stablecoins.
cGOLD · 1gVault-attested · Accra Bullion
₵ 850
cCOCOA · 1kgCOCOBOD certified · Kumasi
₵ 48
cLAND · 1m²Tema Plot #4821 · Lands Comm.
₵ 2,400
02 · Roadmap · Stablecoin issuance
Launch your own 1:1 peg.
Issue a reserved stablecoin pegged to any fiat or commodity. Ghana cedi first on our list, then naira, shilling, gold, and more. Pass identity, reserve attestation, and audit guidelines, and you're live. Pan-African by design.
₵
₦
KSh
Au
Reserve held 1:1 with regulated custodian
Quarterly attestation, public proof of reserves
Smart contract audit by approved firm
KYC for issuing entity (when the network requires it)
03 · Roadmap · Custom contracts
Deploy WASM. Pay in A.
Planned for builders on SikaChain: deploy WebAssembly contracts with market-priced capacity and fast finality. Not a self-serve deploy console in this wallet yet.
// Tokenize 1kg cocoa lot
action issue(name from,
name to,
asset qty) {
require_auth(from);
check(qty.symbol == COCOA,
"wrong symbol");
attest(qty, custodian);
}Protocol roadmap
Capacity markets on SikaChain. Planned, not live here yet.
The wallet you use today runs on Antelope networks (Vaulta / EOS for Ghana v1). A dedicated SikaChain capacity market — storage priced by demand, with a planned 0.5% storage-swap fee split between grow rewards and burn — is roadmap work, not a fee charged inside this app today.
Storage
Trade fee0.5%Grow
50% → rewards50% → burn
How Sika App works
The wallet, opened up.
Clear answers for everyday users: how your money moves, how leaders work, what issuers must prove, and where the product is headed next.
Your walletOne app.
One app.
Your whole money life.
Sika App keeps balances, payments, and savings in one place, with clear fees and arrival times before you confirm. Grow rewards settle on a clear schedule, and can pay out into issued stablecoins as those pegs go live.
~1s
Settlement
Confirm before you send
Confirm before you send
A
Your balance token
Send · receive · grow
Send · receive · grow
cGHS
Local peg roadmap
Ghana stablecoin path
Ghana stablecoin path
5
Languages
Localized for real use
Localized for real use
Designed for people
Familiar flows. Clear records.
Payment links, QR codes, group approvals, and grow screens follow the mental model of the mobile-money apps you already trust, with history you can check anytime.
What this wallet gives you.
01
Built for everyday use
Sika App is designed for send, receive, grow, and group wallets: the money tasks people actually do every day.
02
Send, receive, grow
Move A in seconds, share WhatsApp payment links, and put savings to work. Hold issued stablecoins in the same wallet when they go live.
03
Keys stay yours
Non-custodial by design: connect Blocksfinity Authenticator or Anchor. Sika App never holds your private keys.
04
Leaders & group wallets
Choose who keeps the network strong, or trust a guide, and run shared wallets with multi-person approvals.
Need a deeper look at a payment or account? Open the public explorer or stay in Sika App for day-to-day money.
Leaders
Vote for keepers. Or pick a guide.
Sika App lets you choose who keeps the network strong, or trust a community guide so you do not have to pick every name yourself.
01 · Keepers
Choose who runs the network.
Pick people and teams you trust to keep payments moving.
- ✓ Browse keepers with clear locations and status
- ✓ Grow first when voting needs a balance at work
- ✓ Cast up to 30 votes. Change them anytime
02 · Guides
Delegate with a guide.
Optional. Handy when you do not want to pick every keeper.
Point your vote at a trusted guide. Some guides can share extra grow rewards when you put money to work.
03 · Your control
Always yours to change.
No permanent lock-in. Revisit leaders when you want.
- ✓ See who you support from the Leaders screen
- ✓ Switch from direct votes to a guide (or back)
- ✓ Keep day-to-day send & receive unchanged
Trust & issuance
Rules users can check.
Stablecoin issuers must meet a clear floor (identity, reserves, and audit) before a peg can appear in Sika App. Keepers follow public network rules. Market: Ghana.
Currency & Reserves
Issuers must meet the floor when pegs launch.
- Registered issuer with verified identity and beneficial-owner disclosure.
- Reserves held 1:1 with a regulated custodian; regular public proof of reserve.
- Smart contract audit, then a peg users can hold in Sika App — roadmap, not self-serve today.
Stablecoin Issuance · Roadmap
Issuers must meet the floor when pegs launch.
- Registered entity with verified identity where the network requires it.
- Reserves held 1:1 with a regulated custodian; public proof of reserve.
- Smart contract audit, then a peg users can hold in Sika App — not a live self-serve issuer console today.
Network keepers
Producer rules belong to the chain.
- Meet that network’s keeper deposit and uptime rules.
- Penalties follow the connected chain (vote removal, downtime, or other policy).
- Active keepers and standby sets follow that chain’s producer schedule.
Public roadmap
Where we go next.
Honest milestones, dated commitments. On-chain progress is the only proof.
✓
Phase 0 · Foundation Complete
The thesis & the team.
- Whitepaper v1 published
- Product architecture finalized
- Launch keepers identified
Phase 1 · Testnet In progress
Public testnet & beta access.
- Public testnet live
- Bug bounty ($500K pool)
- Early-access wallet · Accra-first
Phase 2 · Mainnet Beta Q4 2026
cGHS goes live.
- cGHS as first stablecoin (roadmap)
- Top 21 keepers elected
- Web wallet live · save to home screen (store apps later)
Phase 3 · Open Issuance Q1 2027
Open issuance & tokenization (planned).
- Third-party stablecoin issuance after review
- RWA platform public launch
- Group Approval treasury tools
Phase 4 · Pan-African Expansion Q2 to Q3 2027
Beyond Ghana, across Africa.
- cNGN and cKES integration
- 5-country market presence
- Local agent & MoMo cash-in/out partnerships (not live yet)
Phase 5 · Full Decentralization Q4 2027 +
OpCo steps back. The network runs itself.
- All governance on the network
- Year 4 inflation halving
- Cross-chain bridges to major L1s
For builders & power users
All the raw power, on demand.
Everyday users get a simple wallet. Power users can open Advanced Mode for capacity boosts, keys, group approvals, and live network tools without leaving the app.
Boost my wallet
Speed · Bandwidth · Storage
Borrow, share, or free up capacity when a payment needs a little more room. Plain language for everyday use, raw controls when you want them.
Keys & access
Multi-key authority
Owner, active, and custom access rules. Set thresholds, weighted keys, and who can approve what.
Group wallets
Shared approvals
Create, review, approve and carry out group payments. Shown to everyday users as "Group Approval".
Custom actions
Build any payment
Compose advanced actions with a guided editor and dry-run checks before you confirm.
Live status
Network health
See keepers, head block, and network health in real time when you need reassurance before a large transfer.
Sign in your way
Authenticator & Anchor
Connect with Blocksfinity Authenticator or Anchor. Your keys stay in your wallet. Sika App never holds them.
FAQ
Common questions.
Straight answers about sending, receiving, and sharing money with Sika App.
- What is Sika App?
- Sika App is a non-custodial mobile wallet for Ghana: send and receive in seconds, share WhatsApp payment links, grow savings, and run group wallets. Cedi-pegged stablecoins and MoMo rails are on the roadmap.
- Can I send money with a WhatsApp link?
- Yes. Share a payment link or QR from the receive screen. One tap to WhatsApp, just like you already share with family and friends.
- Is there a group wallet for susu or cooperatives?
- Yes. Set up a shared wallet where multiple people must approve before money moves. Ideal for churches, susu groups, SMEs, and cooperatives.
- Does Sika hold my keys?
- No. Sika App is non-custodial. You connect Blocksfinity Authenticator or Anchor and sign each payment yourself.
- How do I get the app on my phone?
- Use Get App / Save to your phone on this site to add the web app to your home screen. There is no App Store or Play Store listing yet.
- What fees should I expect?
- Person-to-person sends are 0% platform fee. Approved commerce partners use a published list rate (1.5% today, merchant-absorbed). MoMo cash-in/out is roadmap, not a live fee rail yet.
Akwaaba, welcome
Your wallet for the new Ghanaian economy.
Save Sika App to your phone as a home-screen app, or open it in the browser. Connect Blocksfinity Authenticator or Anchor — keys stay yours.
Install on Android
- Open this site in Chrome (or your default browser).
- Tap Install app / Add to Home screen in the menu or banner.
- Confirm — Sika App opens full-screen from your home screen.
No App Store or Play Store listing yet — this installs the official web app to your phone.
Already have Anchor or another wallet? Connect your existing wallet →