Marti3 moves money the way Uganda actually lives — phones that get passed around, savings that grow in groups, and an agent you already know by name.
50% cheaper
than incumbent fees
Telcos assume you own the phone in your hand. Fintech apps assume you have data and English. We started from what's actually true in a market stall.
Four in ten people in rural Uganda share a phone. Marti3 was built around that fact, not around it. Session login, Privacy Mode, Quick Send, and Agent Assisted mode mean nothing gets exposed to whoever's holding the handset.
This is why people trust us with a borrowed phone — no other wallet was designed for it.
A separate PIN, lock periods, savings goals, and a 24-hour delay on withdrawals — tucked away from the main menu. It feels like putting cash under the mattress, except it actually grows.
Once savings are locked toward a goal, people don't move them easily. That's the habit we're building.
Shared savings groups run inside the app with multi-signatory approvals. One group of twenty people becomes twenty active users overnight — a network effect no telco or fintech app has natively.
In Agent Assisted mode, an agent starts the transaction and the customer just enters their PIN. We can recruit and train agents faster than a telco can move — every agent becomes part of our sales force.
2,000+
agents recruited
12 mo
exclusivity contracts
Sunset market colors and a signature pattern make Marti3 agents recognizable across the market — a brand competitors can't quietly copy.
No bank jargon. English, Luganda, and Kiswahili, spoken plainly. Warm sunset colors instead of corporate blue. Money is emotional — people remember how an app made them feel, not its interest-rate disclosures.
"Trust is everything in money. People remember how you made them feel."
Fees, cut in half.
No legacy USSD costs and a lean agent model mean we win on volume, not on squeezing every transaction.
Better lending, from real behavior.
Vault goals, Pesa Jar activity, and borrowed-phone usage patterns build a credit picture no bank or telco can see — the foundation for Marti3 micro-loans.
| Competitor | What they have | What Marti3 has |
|---|---|---|
| MTN / Airtel | Scale, existing users | Borrowed Phone design, Vault, Group Wallet, lower fees |
| Fintech apps | Pretty UI | Works on kabambe phones + USSD + a real agent network |
| Banks | Trust | Speed, local language, market branding, no paperwork |
01
Protect the look
Trademark the sunset colors and pattern so competitors can't quietly copy them.
02
Lock in agents
12-month exclusivity contracts with our agent network.
03
Win the network first
Launch Group Wallet first, before anyone else gets the network effect.
