What is live, and who holds the money.

• Club governance and ledgers

  Live

  Members, roles, elections, secret ballots, loans with two keys, fines, social fund, cycle close and share-out, with payments recorded by the Treasurer.

  No licence needed: software and record-keeping. Available in Uganda and Kenya.

• Identity checks

  Built; switches on with its licensed partner

  Members verify who they are (an ID document, a selfie with liveness and a face match) before they are admitted, vote, hold office, turn keys or move money. Wellth keeps only the result.

  Needs: An identity provider (Smile ID or Didit). Planned for Uganda and Kenya.

• Wellth Pay: money in

  Built; switches on with its licensed partner

  Contributions, repayments and fines paid from mobile money, confirmed by the network.

  Needs: Bank of Uganda (National Payment Systems Act 2020); A CBK-licensed aggregator that carries T-Kash (Flutterwave's published methods don't); Central Bank of Kenya (National Payment System Act 2011). Planned for Uganda and Kenya.

• Wellth Pay: money out

  Built; switches on with its licensed partner

  Loans and share-outs sent to the member's mobile money once both keys are in.

  Needs: Bank of Uganda (National Payment Systems Act 2020); A CBK-licensed aggregator that carries T-Kash; Central Bank of Kenya (National Payment System Act 2011). Planned for Uganda and Kenya.

• School fees

  Built; switches on with its licensed partner

  Parents anywhere pay a learner's fees from mobile money (any network Wellth Pay routes in the school's country) in the school's currency; the school gets the money and an SMS.

  Needs: Bank of Uganda (National Payment Systems Act 2020); The school; A CBK-licensed aggregator that carries T-Kash; Central Bank of Kenya (National Payment System Act 2011). Planned for Uganda and Kenya.

• Pay from abroad by card

  Built; switches on with its licensed partner

  The dearer fallback to paying by bank: members and parents abroad pay by card in their own currency (pounds, euros, dollars or dirhams), with the card surcharge as its own line; the money settles at home in local currency.

  Needs: Flutterwave (BoU payment system operator, Sep 2024); Flutterwave or a CBK-licensed provider. Planned for Uganda and Kenya.

• Wellth balance

  Built; switches on with its licensed partner

  Payouts can land in a Wellth balance the member keeps and spends later.

  Needs: Bank of Uganda (National Payment Systems Act 2020); The bank or licensed partner holding the balances; Central Bank of Kenya (National Payment System Act 2011). Planned for Uganda and Kenya.

• Withdraw

  Built; switches on with its licensed partner

  Move a Wellth balance to mobile money, cash at an agent, or (with bank payouts) your own bank account.

  Needs: Bank of Uganda (National Payment Systems Act 2020); Central Bank of Kenya (National Payment System Act 2011). Planned for Uganda and Kenya.

• Withdraw to a bank account

  Built; switches on with its licensed partner

  Save your own bank account (Equity, Centenary, dfcu, Stanbic, KCB, Co-op and the rest), confirmed by a code and usable 24 hours later, and withdraw your Wellth balance to it. The bank's charge is its own line; Uganda usually next working day, Kenya instant.

  Needs: Bank of Uganda (National Payment Systems Act 2020); Eversend; Central Bank of Kenya (National Payment System Act 2011); Paystack, Equity (Jenga) or another PesaLink participant. Planned for Uganda and Kenya.

• Connect a school system

  Built; switches on with its licensed partner

  A school connects its own fee system (OCAkademia first) to Wellth: the system makes a payment request for each learner's balance, or keeps each learner's balance against a permanent 10-digit school payment number (v1.1); parents pay on Wellth, and the system is told at once by a signed webhook. Payments through it also need school fees open.

  Needs: The aggregator or licensed partner collecting school fees; The school; The aggregator or payment service provider collecting school fees. Planned for Uganda and Kenya.

• Wellth for organisations

  Built; switches on with its licensed partner

  A clinic, hospital, petrol station, shop, NGO, SACCO or church runs its money in on Wellth: the owner sees every payment at every site in one portal, staff make payers and bills (cashiers at their own site), each site has its poster, and the organisation's own system can connect (Organisation API). Schools use School fees and Connect a school system instead. Paying them also needs organisation payments open.

  Needs: The aggregator or licensed partner collecting school fees; The organisation; The aggregator or payment service provider collecting school fees. Planned for Uganda and Kenya.

• Organisation payments

  Built; switches on with its licensed partner

  Anyone, anywhere pays a clinic, hospital, petrol station, shop, NGO, SACCO or church by a payer number, a bill's family share or a site's counter number, by mobile money, bank transfer, from abroad or a Wellth balance, in the organisation's currency; the organisation gets the full amount and an SMS. The same rails as school fees, switched separately.

  Needs: Bank of Uganda (National Payment Systems Act 2020); The organisation; Central Bank of Kenya (National Payment System Act 2011). Planned for Uganda and Kenya.

• Organisation payouts

  Built; switches on with its licensed partner

  An organisation pays its suppliers and tops up petty cash from its own money held by the payment partner, to mobile money or a bank account, after two keys turned by two different people (never the person who asked); new suppliers wait 24 hours. Never from a Wellth balance.

  Needs: Eversend or another BoU-licensed payment service provider; Bank of Uganda (National Payment Systems Act 2020); The organisation; Safaricom or a CBK-licensed payment service provider; Central Bank of Kenya (National Payment System Act 2011). Planned for Uganda and Kenya.

• Pay by bank transfer

  Built; switches on with its licensed partner

  Pay a contribution, school fees or a payment link by a transfer from your own bank to Wellth's collection account, with a short reference (like W7K3-9Q2P) that matches it to your payment. Kenya can also use the bank's M-Pesa paybill.

  Needs: Stanbic or Equity Bank Uganda; Bank of Uganda (National Payment Systems Act 2020); Equity, KCB, Co-op or Stanbic Kenya; Central Bank of Kenya (National Payment System Act 2011). Planned for Uganda and Kenya.

• Wellth Card

  Built; switches on with its licensed partner

  Prepaid cards (Wellth, Gold, City, Scholar) loaded from the Wellth balance.

  Needs: Issuing bank, Visa or Mastercard. Planned for Uganda and Kenya.

• Send money: Wellth to Wellth

  Built; switches on with its licensed partner

  Send from your Wellth balance to another Wellth user's balance, by their phone number, at once.

  Needs: Bank of Uganda (National Payment Systems Act 2020); Central Bank of Kenya (National Payment System Act 2011). Planned for Uganda and Kenya.

• Send money: claim links

  Built; switches on with its licensed partner

  Send to a phone number or email that isn't on Wellth yet: the money waits for them to sign up and claim it, and comes back after 14 days.

  Needs a legal opinion or registration first. Planned for Uganda and Kenya.

• Send money: to mobile money

  Built; switches on with its licensed partner

  Send from your Wellth balance to anyone's mobile money in the same country, with their name checked where the network allows.

  Needs: Bank of Uganda (National Payment Systems Act 2020); Central Bank of Kenya (National Payment System Act 2011). Planned for Uganda and Kenya.

• Send money: across borders

  Built; switches on with its licensed partner

  Send from your Wellth balance to mobile money in the other country (Uganda to Kenya, Kenya to Uganda), at a rate quoted before you send.

  Needs: Bank of Uganda; MTN Uganda (Remittances) or Flutterwave; Central Bank of Kenya; A CBK-licensed money remittance provider (Flutterwave or another). Planned for Uganda and Kenya.

• Investments: own assets

  Live

  Record land, rentals, fixed deposits and other assets the circle owns, with each member's units.

  No licence needed: software and record-keeping.

• Investments: securities the circle holds

  Live

  Record T-bills, bonds and fund units held in the circle's own name, with statements per member.

  No licence needed: software and record-keeping.

• Market notices

  Built; switches on with its licensed partner

  Factual notices of government auctions and open public offers in the circle's country. No advice.

  Needs a legal opinion or registration first. Planned for Uganda and Kenya.

• Invest through a licensed fund

  Built; switches on with its licensed partner

  A circle opens units in a licensed money market or bond fund in its own name; Wellth runs the vote and the two keys.

  Needs: A CMA-licensed fund manager; Capital Markets Authority, Uganda; Capital Markets Authority, Kenya. Planned for Uganda and Kenya.

• Investment advice

  Built; switches on with its licensed partner

  A licensed adviser the circle chose by vote sends it recommendations, with its licence, conflicts and fees shown; the circle still votes and turns two keys on anything it buys.

  Needs: Capital Markets Authority, Uganda; The CMA-licensed investment adviser; Capital Markets Authority, Kenya. Planned for Uganda and Kenya.

• Group products

  Built; switches on with its licensed partner

  Circles buy shares in Tall Grass Group or units in Driips.

  Needs: Capital Markets Authority, Uganda; Capital Markets Authority, Kenya. Planned for Uganda and Kenya.

• In-app assistant

  Built; switches on with its licensed partner

  A helper that answers questions about Wellth and the member's own circle, read-only, and hands off to a person at Tall Grass.

  Needs a legal opinion or registration first. Planned for Uganda and Kenya.

• Referrals

  Built; switches on with its licensed partner

  Members invite friends by WhatsApp or SMS and earn a fee credit, a discount on Wellth Pay fees, once the friend is verified, admitted and has paid a first contribution.

  Needs a legal opinion or registration first. Planned for Uganda and Kenya.

• Cash referral rewards

  Built; switches on with its licensed partner

  On top of the fee credit, the inviter is owed a cash reward that Tall Grass pays to their mobile money from its own money, never from a circle's pot.

  Needs a legal opinion or registration first. Planned for Uganda and Kenya.

• Pay from abroad by bank

  Built; switches on with its licensed partner

  Members and parents abroad pay in pounds, euros, dollars or dirhams by bank transfer (open banking, SEPA Instant, ACH), with a card as the dearer fallback. One quote, valid 30 minutes, shows the rate beside the mid rate, our margin and the fee as separate lines; school fees to a Wellth school have no fee, the first payment is fee-free, and receiving is always free.

  Needs: Flutterwave, Thunes, TerraPay or pawaPay; The partner, or TrueLayer / Yapily / Volt; Bank of Uganda (Foreign Exchange Act 2004, money remittance regulations); Central Bank of Kenya (Money Remittance Regulations 2013). Planned for Uganda and Kenya.

• @names

  Live

  Every member, circle and school can have an @name (like @jovan or @trinity-nabbingo) to be paid by. Schools' and circles' names are checked before they show a tick.

  No licence needed: software and record-keeping.

• Request money and payment links

  Live

  Ask someone to pay you (in any currency Wellth prices, landing in a balance you hold), a member's circle contribution or your learner's school fees with a link. Whoever opens it pays through the routes already switched on where they are.

  No licence needed: software and record-keeping.

• QR codes

  Live

  Every @name has a QR code: a bursar's desk, a circle meeting or a shop shows it and the payer's phone camera opens the payment.

  No licence needed: software and record-keeping.

• Circle goals

  Live

  A circle saves toward a named goal (Term 1 fees, a building fund) with a target and a date. Money in and out stays in the circle's ledgers, with two keys on every outflow.

  No licence needed: software and record-keeping.

• Split a bill

  Live

  Split a cost between circle members. Each share is settled from a Wellth balance or marked paid by hand, and everyone sees who has paid.

  No licence needed: software and record-keeping.

• Automatic contributions

  Built; switches on with its licensed partner

  A member sets their contribution to be paid from their Wellth balance on the same day each month, once a month. They can stop it any time. Also needs the Wellth balance and Wellth Pay money in open for the circle.

  Needs: Bank of Uganda (National Payment Systems Act 2020); Central Bank of Kenya (National Payment System Act 2011). Planned for Uganda and Kenya.

• Your own account abroad for contributions

  Built; switches on with its licensed partner

  A member abroad gets an account number in their name (a UK sort code and account, or an EU IBAN) and sets a standing order; each payment is matched to them and lands in the circle.

  Needs: An FCA-authorised EMI or bank (e.g. Modulr, ClearBank, Banking Circle), and an EU EMI; Bank of Uganda (Foreign Exchange Act 2004, money remittance regulations); An FCA-authorised EMI or bank, and an EU EMI; Central Bank of Kenya (Money Remittance Regulations 2013). Planned for Uganda and Kenya.

• Scholar accounts

  Built; switches on with its licensed partner

  A balance kept for one learner that parents and sponsors at home or abroad top up, and that pays only that learner's school.

  Needs: Bank of Uganda (National Payment Systems Act 2020); Central Bank of Kenya (National Payment System Act 2011). Planned for Uganda and Kenya.

• Balances in several currencies

  Built; switches on with its licensed partner

  Hold pounds, euros, dollars and dirhams beside shillings, and exchange between them at a quoted rate (mid rate plus a margin shown on its own, valid 30 minutes).

  Needs: FCA (UK) or an EU central bank, or a licensed partner. Planned for Uganda and Kenya.

• Round-ups into a circle

  Built; switches on with its licensed partner

  Each Wellth card payment is rounded up and the change is held in the member's balance, then paid into the member's circle as a contribution once a month.

  Needs: The card-issuing partner bank; Bank of Uganda (National Payment Systems Act 2020); Central Bank of Kenya (National Payment System Act 2011). Planned for Uganda and Kenya.

• Pockets

  Built; switches on with its licensed partner

  Named savings pockets inside a member's Wellth balance (Vacation, Housing, Emergency), each with an optional target, date and lock, filled by hand, by a weekly or monthly auto-save, or by round-ups. No interest. Also needs the Wellth balance open.

  Needs: Bank of Uganda (National Payment Systems Act 2020); Central Bank of Kenya (National Payment System Act 2011). Planned for Uganda and Kenya.

• Joint accounts

  Built; switches on with its licensed partner

  A shared balance for 2 to 4 people (spouses, siblings, a family), in any currency a member can hold (pounds, euros, dollars and dirhams also need balances in several currencies open where each holder lives). Any holder pays in; money out above the account's limit needs a second holder's key. Also needs the Wellth balance open.

  Needs: Bank of Uganda (National Payment Systems Act 2020); Central Bank of Kenya (National Payment System Act 2011). Planned for Uganda and Kenya.

• Friends pockets

  Built; switches on with its licensed partner

  A shared pot for 2 to 10 friends saving toward a goal, in any currency a member can hold (pounds, euros, dollars and dirhams also need balances in several currencies open where each friend lives), with a target, a date and an optional lock. Any friend pays in; money out, inviting a friend (after the first), leaving, removing a friend and closing pass only by an open vote of the friends (a majority, never fewer than two keys). Also needs joint accounts and the Wellth balance open.

  Needs: Bank of Uganda (National Payment Systems Act 2020); Central Bank of Kenya (National Payment System Act 2011). Planned for Uganda and Kenya.

• Family accounts for children

  Built; switches on with its licensed partner

  A parent keeps an account for a child aged 6 to 17, in any currency a member can hold (pounds, euros, dollars and dirhams also need balances in several currencies open where the parent lives), with an allowance, spending limits, freeze and pockets; the parent pays on the child's behalf. At 18 the money moves to the young adult's own account or the parent. Also needs the Wellth balance open.

  Needs: Bank of Uganda (National Payment Systems Act 2020); Central Bank of Kenya (National Payment System Act 2011). Planned for Uganda and Kenya.

• Physical cards

  Built; switches on with its licensed partner

  Order a Wellth card in plastic, delivered to an address in Uganda or Kenya, tracked until it arrives, and activated with the code in the envelope.

  Needs: The card-issuing partner bank; A card bureau and a courier (Uganda); A card bureau and a courier (Kenya). Planned for Uganda and Kenya.

• Plans

  Built; switches on with its licensed partner

  Standard, Plus, Premium and Family plans paid monthly or yearly from the Wellth balance: more exchange at the mid rate, lower fees from abroad and on Wellth Pay, more WellthPoints, priority support.

  Needs: Bank of Uganda (National Payment Systems Act 2020); Central Bank of Kenya (National Payment System Act 2011). Planned for Uganda and Kenya.

• WellthPoints

  Built; switches on with its licensed partner

  Points for paying on time, school fees, paying from abroad, card spend, inviting friends and verifying; redeemed only as a credit against Wellth's own fees. Never cash, never for loans.

  Needs a legal opinion or registration first. Planned for Uganda and Kenya.

The full list of what each feature needs, country by country, is published with the code as the launch-gates register.