Questions about Sika.
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Sika App Help
Saved answers to common questions
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Every question
Safety & money
Who holds your money, and what happens if something goes wrong.
- Does Sika App hold my money?
- No. Sika App is non-custodial. Your keys stay with you. You connect Blocksfinity Authenticator and sign every payment yourself. We cannot move your money for you.
- Is Sika App a bank?
- No. Sika App is a non-custodial wallet, not a bank or a deposit-taking institution. Your balance is held on-chain under keys you control, not as a deposit with us.
- What if I lose my phone?
- Your account is recoverable and the process is never a custodial reset. You can rebind a synced passkey on a new device, sign in with a wallet that still controls the account, or use your offline owner or backup key.
- Can Sika App freeze or reverse my payment?
- No. Because you hold the keys, nobody at Sika can freeze your balance or claw a payment back. The same rule protects you and binds you: once a payment is confirmed on-chain it is final, so check the recipient before you confirm.
- I sent money to the wrong person. Can I get it back?
- Not automatically. Confirmed payments are final. Sika shows the recipient, the fee, and the arrival time on the confirm screen before you sign, which is the moment to check. If you know the recipient, ask them to send it back.
Fees
What you pay to send, receive, and get paid.
- What does it cost to send money to someone?
- Person-to-person sends carry a 0% platform fee. You keep what you send.
- What do businesses pay to accept payments?
- Approved commerce partners use a published list rate: 1.5% today, absorbed by the merchant rather than added to the customer's total.
Getting started
Installing, signing up, and your first payment.
- How do I get the app on my phone?
- Use “Get Sika App” or “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. This installs the official web app.
- Do I need to understand crypto to use it?
- No. You send to a name, a QR, or a WhatsApp link, and confirm on a screen modeled after the flows you already use. The blockchain is the plumbing, not the interface.
- What do I need to sign up?
- An account name and Blocksfinity Authenticator to hold your keys. Sika App does not take custody of your funds at any point in setup.
- Does it cost anything to open an account?
- No. Creating your wallet is free, and person-to-person sending carries no platform fee.
Moving money
Cash-in, cash-out, currencies, and payment links.
- 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.
- Can I cash out to Mobile Money?
- Not yet. MoMo cash-in and cash-out are on the roadmap and are not a live rail in Sika App today. We would rather say that plainly than imply it works and leave you stuck.
- Can I hold Ghana cedis in the app?
- A 1:1 Ghana cedi peg (cGHS) and open issuer rails are planned, not live in this app yet. Today you send, receive, and grow in a non-custodial wallet; the peg arrives with issuance.
- How do people pay me?
- By WhatsApp, QR, wallet name. Show a code in person or share a link. Money lands in your wallet.
Groups & business
Susu, cooperatives, churches, and merchants.
- Is there a group wallet for susu or cooperatives?
- Yes. Set up a shared wallet where several people must approve before money moves. Ideal for churches, susu groups, SMEs, and cooperatives.
- How do shared approvals work?
- A payment from a group wallet is proposed, then it waits. It only moves once the required members have approved it, so no single person can spend the group's money alone.
- I run a business. Can I accept payments?
- Yes, through the partner programme. Approved partners get checkout, payment intents, and API keys, at the published 1.5% merchant-absorbed rate.
Ghana & languages
Where Sika works and what it speaks.
- What languages does it speak?
- 5: English, Twi, Ga, Ewe, Hausa. Real translations reviewed by native speakers, not machine copy.
- Where is Sika available?
- Ghana first, then West Africa. Ghana is the first market, and the product is built around how Ghana already moves money.
- What does “Sika” mean?
- Sika is the Twi word for gold, and for money. The cowrie in our mark is West Africa's older money, the thing people trusted and carried long before banks.
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