How ViPPi works

From sign-up to your first payment in minutes. No branches, no paperwork, no waiting.

Get started in 3 simple steps

Setting up your digital wallet is quick and easy. Start managing your money better today.

ViPPi identity verification screen showing verified status across ID, compliance and transaction capability
1

Sign Up

Create your account, verify your identity, and you're ready to transact — usually in under 5 minutes.

ViPPi Add Money screen showing a 150 ZMWC top-up via ViPPi Anchor Services
2

Add Money

Top up your ViPPi wallet instantly through our Anchor Services. Your balance is held in ZMWC — a digital version of the Kwacha.

ViPPi Send screen showing a 150 ZMWC transfer to Kamanda Christian with a 1.5 ZMWC fee
3

Start Sending

Send to anyone with a phone — just pick a contact, enter the amount, and tap Send. It arrives in seconds.

The technology behind the magic

ViPPi is built on stablecoin rails — a digital version of traditional currency (like the Zambian Kwacha or US Dollar) that moves instantly and costs almost nothing to transfer.

Unlike volatile cryptocurrencies, stablecoins are pegged 1:1 to real-world currency. Your K100 stays K100. This is how we can offer free merchant payments, 0.5% person-to-person transfers, and near-instant cross-border sends without the usual banking fees.

You never need to think about the technology. ViPPi handles the conversion behind the scenes — you see Kwacha in, Kwacha out. The stablecoin layer simply makes everything faster and cheaper.