Mwino.
A mobile-first wallet that unifies every mobile money account and bank transfer into one low-cost app — with bookkeeping built in.
Small businesses and individuals in Uganda juggle multiple mobile money wallets and bank accounts, lose money to high transfer fees, and have no reliable record of business cash flow — making it hard to plan, reconcile, or access credit.
We built Mwino, a mobile-first fintech wallet that unifies MTN MoMo, Airtel Money and bank transfers in a single app. Low-cost transfers, instant merchant payments, and automated bookkeeping give individuals and SMEs one clear view of their money.
From problem to launch, step by step.
Discovery
Interviewed traders, boda riders, and shop owners to map how money actually moves day-to-day across wallets and cash.
Wallet Core
Built the ledger and transfer engine in Node.js with a Flutter app focused on speed on low-end devices.
Integrations
Connected MTN MoMo, Airtel Money and bank rails, with QR merchant payments and instant settlement.
Compliance & Launch
Added KYC, biometric security and fraud controls, then rolled out with merchant onboarding across Kampala.
The core features.
Mwino cut everyday transfer costs dramatically and gave thousands of small businesses their first clear, reconciled view of cash flow — laying the groundwork for credit access.
“Before Mwino I had three apps and a notebook. Now I take payments, send money and see my whole shop’s cash in one place — and I keep more of it.”