Frequently Asked Questions

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About Moja

  • Moja is a financial platform that allows you to use USDC to save, send, and earn with family and friends around the world. It’s a simple, secure, and low-cost way to collaborate financially across borders.

  • Moja is a browser-based financial app that lets you create an individual USDC wallet, invite family and friends to a savings group, and track and approve transactions—all without needing to download an app from an app store.

  • Moja is a web-based application, meaning you can access it directly through your browser without downloading an app. It is built on the Stellar Network, a blockchain designed for fast and low-cost payments. By using USDC (USD Coin) on Stellar, Moja enables access to stable, secure individual and group savings and instant secure lowcost cross-border transactions.

  • Moja is built by aidx, a technology company dedicated to creating financial tools that strengthen families, build communities and empower individuals.

  • Moja is a global company registered in the United States with offices in the UK and Kenya.

  • Moja is currently available worldwide with the exception of the United States and the UK.

About USDC

  • USDC (USD Coin) is a stablecoin issued by Circle and pegged 1:1 to the US dollar. It is backed by reserves and operates on blockchain networks, making it a fast, secure, and low-cost digital currency.

  • Circle is a global financial technology company that builds infrastructure for digital payments and open financial systems. It is the issuer of USDC, one of the most widely trusted and rapidly growing stablecoins in the world. Circle USDC is fully backed by high-quality reserves and regularly audited to ensure transparency and stability, making it a reliable digital dollar for individuals, businesses, and financial institutions.

    For more information, visit Circle’s official website.

  • USDC is used by millions of individuals, businesses, and financial institutions worldwide and has grown to become one of the most widely used stable-coins, with a circulation exceeding $27 billion as of 2024. It is widely adopted for remittances, savings and payments

    Major companies and platforms integrate USDC for its speed, low cost, and stability. MoneyGram uses USDC to facilitate global remittances and cash-outs in over 180 countries. Visa supports USDC for cross-border settlements, enabling merchants to accept payments in digital dollars.

    Moja is pioneering as the first cross-border group saving product using USDC, enabling families and friends to save, send, and earn together wherever they are in the world.

    For more information about Circle USDC, visit Circle’s official website.

  • Stablecoins are cryptocurrencies designed to maintain a stable value by being pegged to reserve assets like fiat currencies (e.g., USD), commodities (e.g., gold), or other cryptocurrencies. Unlike traditional cryptocurrencies, which can experience high price fluctuations, stablecoins minimize volatility, making them ideal for everyday transactions, savings, and remittances.

  • Stablecoins act as a hedge against market volatility, offering a secure way to store value without the price swings of traditional cryptocurrencies. They enable fast and low-cost transactions, making them particularly useful for cross-border payments and remittances.  With their stability, transparency, and efficiency, stablecoins bridge the gap between traditional banking and the digital economy, ensuring seamless financial collaboration worldwide.

Using Moja

  • Moja is a web-based application, meaning you can access it from any browser on mobile or desktop without downloading an app. Simply visit the Moja website, sign up and start using it instantly.

    1. Create a your individual USDC wallet.

    2. Create a group savings wallet, invite family and friends to join via text, email or whatsapp.

    3. Set savings goals, contribute funds, track and approve transactions, earn interest.

  • Group administrators can invite new participants and authorise withdrawals directly in the app, ensuring security and transparency.

  • All transactions are recorded on a ledger visible to all members of the group.

  • Simply click the send button in the app enter the wallet address ff the person you want to send the money to, enter the amount and click send. Transfers between Moja users are free and instantaneous.

  • Absolutely. With Moja, you have a personal wallet and up to 5 group savings wallets that you can invite family and friends to.

  • You can on-ramp (convert cash or bank funds into USDC) using supported exchanges like Binance, Coinbase, MoonPay, or local on-ramp providers.

  • To off-ramp (convert USDC back to your local currency), you can send your USDC to a supported exchange like Binance or Coinbase MoonPay, or local off-ramp providers.

    For a list of local off-ramp providers, click here.

  • Yes. Moja is designed to be accessible even for people without traditional banking access. You can send and receive USDC between individual Moja wallets and within group savings wallets.

  • No. Moja requires an internet connection to function.

Fees

    1. All transactions within Moja are completely free.

    2. A small charge applies when withdrawing funds from Moja to an external account.

    3. Some on-ramp/off-ramp services may charge a conversion fee when exchanging USDC for local currency.

Customer Support & Security

  • If you experience any issues, you can contact Moja’s customer support via WhatsApp at [@WhatsApp] or through the in-app chat. We’re here to help with account access, transaction disputes, and troubleshooting.

  • Blockchain transactions cannot be reversed once sent. Always double-check the recipient’s address before confirming a transaction. If an error occurs, contact Moja support for possible solutions.

  • Moja uses blockchain security, encryption, and multi-signature verification to keep your funds safe. Additionally, Moja runs a Know Your Customer (KYC) process on every user to enhance security and prevent fraud.