Wallets/chipper-cash
Chipper Cash
0 standards supported
Overview
Chipper Cash is one of Africa's largest fintech platforms + African unicorn for cross-border remittances, founded 2018 1, 2, [global-cro]. 7+ million users across 9 African countries by December 2025 — up from 5 million in March 2025.
2025 strategic milestones — Africa cross-border-payments leadership:
- March 2025 — Ripple partnership 3: Cross-border payments into Africa via Ripple's crypto-enabled payments solution.
- December 2025 — Stable + Chipper Cash partnership 4: StableChain integration for stablecoin/digital-asset payments — institutional adoption + cross-border payments.
Chipper Cash transitioned from pure consumer P2P remittance to crypto-enabled cross-border infrastructure.
History
2018 — Chipper Cash founded 1 by Ham Serunjogi (Uganda) + Maijid Moujaled (Ghana) — both Stanford undergraduates.
2019-2021 — Pan-African expansion + African unicorn status 2.
March 2025 — 5M customers across 9 African countries 3.
March 2025 — Ripple partnership 3: Crypto-enabled cross-border payments.
December 2025 — 7M users + Stable StableChain partnership 4.
Ownership & operator
Operating entity: Chipper Cash.
Co-founders: Ham Serunjogi (CEO; Uganda) + Maijid Moujaled (Ghana) — Stanford undergraduates.
Major investors: SVB Capital + Bezos Expeditions + Ribbit Capital + One Way Ventures + Brue2 Ventures + 500 Startups + FTX Ventures + Sam Bankman-Fried (historical, pre-FTX-collapse).
Regulators: Per-country African regulators + UK FCA (for GB operations) + US FinCEN/state regulators.
Technical integration
| Layer | Description |
|---|---|
| Channels | Chipper Cash mobile app (iOS + Android) + Chipper Card |
| Identifiers | Phone + email |
| Countries | 9 African countries (NG, GH, KE, UG, RW, TZ, ZA + others) + US + GB |
| Cross-border | Africa cross-border P2P remittance |
| Crypto-enabled (2025+) | Ripple (XRP-based cross-border) + Stable (StableChain stablecoin payments) |
| Account model | Multi-currency e-wallet + Chipper Card + crypto-payment rails |
Users & growth
- March 2025: 5M customers / 9 African countries
- December 2025: 7M users / 9 African countries (40% growth in 9 months)
Use cases
Africa cross-border P2P remittance (NG ↔ GH ↔ KE ↔ UG ↔ RW ↔ TZ ↔ ZA); diaspora remittances (US/GB ↔ Africa); Chipper Card spending; crypto-enabled cross-border (Ripple XRP + StableChain stablecoins); bill payments + airtime.
Implementations & partners
Operator: Chipper Cash (African unicorn).
Crypto partners:
- Ripple (XRP-based cross-border, March 2025+)
- Stable (StableChain stablecoin payments, December 2025+)
- Bridge (card-program-as-a-service; historical)
Major African competitors: OPay (Nigeria-anchored 58M), MTN MoMo (multi-African telco-led), Airtel Money (multi-African telco-led), Mukuru (17M+ SADC remittance + wallet), M-Pesa (KE-anchored 51M+), Flutterwave (34 African payment processor).
Regulators: Per-country African + UK FCA + US FinCEN/state.
Fun facts
- African unicorn for cross-border remittances.
- Co-founders: Ham Serunjogi (Uganda) + Maijid Moujaled (Ghana) — Stanford undergraduates.
- 7M users + 9 African countries (Dec 2025) — up from 5M (Mar 2025) = 40% growth in 9 months.
- March 2025 Ripple partnership — crypto-enabled cross-border (XRP-based).
- December 2025 Stable partnership — StableChain stablecoin payments.
- SVB Capital + Bezos Expeditions + Ribbit Capital backed.
Comparison
| Feature | Chipper Cash | Mukuru (SADC remittance + wallet) | OPay (NG-anchored) | Wave Mobile Money (West Africa) (West African) | M-Pesa (KE-anchored mobile-money) |
|---|---|---|---|---|---|
| Operator | Chipper Cash | Mukuru | OPay | Wave Mobile Money | Safaricom + Vodacom |
| Type | African cross-border P2P + crypto-enabled (2025+) | African remittance + wallet | NG #1 mobile wallet + microfinance bank | West African USSD wallet | KE mobile-money pioneer + East Africa |
| Country | 9 African + US + GB | 20+ African | NG + EG + PK | 6 West African | 7+ African |
| Users | 7M (Dec 2025) | 17M+ | 58M | Major | 51M+ |
| Distinctive | Stanford co-founders; Bezos/Ribbit backed; 2025 Ripple+Stable crypto-enabled | SADC anchor; 5 digital wallets | SoftBank-backed; $4B IPO pending | USSD-first; lower fees | KE mobile-money pioneer (2007) |
Status
Active, African cross-border-remittance unicorn with crypto-enabled rails 3, 4:
- Chipper Cash since 2018.
- 7M users + 9 African countries (Dec 2025), 40% growth from March 2025.
- 2025 crypto-enabled cross-border: Ripple (XRP) + Stable (StableChain) partnerships.
- Stanford co-founder Ham Serunjogi (UG) + Maijid Moujaled (GH).
- SVB + Bezos + Ribbit-backed.
Sources
- 1 Chipper Cash — official
- 2 Chipper Cash spotlight — Fintech Association of Kenya
- 3 Ripple + Chipper Cash Mar 2025 — TechAfrica
- 4 Stable + Chipper Cash Dec 2025 — TechAfrica
- [global-cro] In-corpus: see country reports across NG/KE/GH/UG/RW/TZ/ZA
Source
Biography extracted from chipper-cash.md. See matrix.md for standards-support matrix if present.