FAQs

Got Questions? We’ve Got Answers.

Find quick answers to common questions about how Mali Yetu works, account setup, transaction limits, safety, and more. Whether you're new or already using our services, we’re here to make things clearer.

1. What is Mali Yetu and who is it for?

Mali Yetu is a digital wallet and agri-fintech platform designed for farmers, traders, and agri-businesses. It helps users store their produce, access loans based on inventory, and send or receive payments securely across Africa.

2. How do I open a Mali Yetu account?

You can register through our mobile app using your phone number and national ID. Once verified, you can link your warehouse receipt and start transacting immediately.

3. Can I access loans without traditional collateral?

Yes. Mali Yetu offers inventory-backed loans—your stored produce acts as collateral, giving you access to affordable credit without paperwork or bank guarantees.

4. Is my money and data safe on Mali Yetu?

Absolutely. Mali Yetu uses bank-grade encryption, secure KYC verification, and transaction tracking to keep your funds and personal data safe.

5. Where can I use Mali Yetu services?

Mali Yetu is available in 18 African countries and supports local and cross-border payments through mobile money, bank transfers, and wallet-to-wallet transactions.

6. What types of payments can I make with my Mali Yetu wallet?

You can pay suppliers, farm workers, utility bills, SACCO contributions, and make bulk disbursements—all directly from your Mali Yetu wallet.

7. How does the escrow feature work on Mali Yetu?

When a buyer pays through Mali Yetu, funds are held in escrow until the buyer confirms delivery. This ensures secure, fair, and trustworthy trade between both parties.

8. What commodities can I use to access credit on Mali Yetu?

Currently, Mali Yetu supports cereals like maize, beans, sorghum, and other stored grains deposited in accredited warehouses.

9. Can I withdraw funds to M-PESA or my bank account?

Yes. You can easily transfer money from your Mali Yetu wallet to mobile money services like M-PESA, or to any registered bank account.

10. Is Mali Yetu available for agribusinesses and cooperatives?

Yes. Whether you're an individual farmer, a trader, or a registered agribusiness or cooperative, Mali Yetu supports business-level operations and bulk transactions.