Division 01 · For individuals, families and savings groups

Everyday money, savings and village banking in one wallet.

Hold, send and receive money, save towards goals, keep to a budget and run your village banking group with a transparent shared ledger.

Open a personal account Go to my wallet

69 live2 in development

Personal Finance

Wallets, accounts, savings, budgeting and village banking.

Digital wallet with a Pay ID, statements and receipts
Savings goals, locked savings and emergency pots
Budgets, spending categories and insights
Village banking groups with officials, loans and dividends

In this division

A Wallets and accounts B Savings and financial goals C Budgeting and money management D Village banking and savings groups E Personal payments and financial services F Identity, security and financial profile

What Personal Finance includes

Everything in the division, and what is live today.

LiveComing soon

Wallets and accounts

12 of 12 live

Create personal digital walletsLive
Multiple wallets for daily spending, savings, emergency funds and projectsMain wallet plus savings, emergency and project potsLive
Wallet-to-wallet transfersInstant, by Pay IDLive
Receive money from other users, businesses and supported payment channelsMobile money and card top-ups todayLive
Send money to other wallets, banks and mobile money networksBank and mobile money payouts with name checks todayLive
View balances and transaction historyLive
Download statements and transaction receiptsLive
Generate account numbers, payment references or wallet IDsEvery account gets a Pay IDLive
QR-code payments and payment requestsLive
Freeze, block or temporarily restrict a walletFreeze instantly; unfreeze with your PINLive
Set transaction limits and security preferencesYour own per-payment and daily limits, vault PIN and two-factorLive
Manage beneficiaries and saved recipientsLive

Savings and financial goals

9 of 10 live

Create individual savings goalsLive
Set daily, weekly or monthly savings targetsLive
Automated recurring savingsLive
Save spare change or a fixed amount when receiving moneyLive
Lock savings for a chosen periodHeld in your wallet; no interest is paidLive
Emergency savings potsLive
Group savings and shared targetsShared goals where each person saves in their own pot; pooled group savings through village bankingLive
Savings reminders and progress trackingLive
Track interest or returnsOnly where provided by an appropriately authorised institutionSoon
Savings challenges and reward programmesChallenges and badges; cash rewards comingLive

Budgeting and money management

10 of 10 live

Create monthly and weekly budgetsLive
Categorise spending automaticallyLive
Track income and expenditureLive
Set spending limits by categoryWarnings at your chosen level and when you go overLive
Monitor recurring expenses and subscriptionsLive
Bill payment remindersLive
Financial insights and spending reportsLive
Compare actual spending against budgetLive
Alerts for low balances and unusual spendingLive
Export financial recordsCSV exportLive

Village banking and savings groups

Flagship

A full group-finance system, not a group chat with a shared wallet: governance, contributions, lending, dividends and audit trails in one place. Luheto Pay keeps the records, while the money itself stays in the group cash box, mobile money or bank account.

19 of 19 live

Create and register village banking groupsSavings-and-loans and rotating (chilimba) groupsLive
Invite members and verify their identitiesInvite code, link or Pay ID; identity status from Luheto Pay verificationLive
Appoint chairperson, treasurer, secretary and other officialsChairperson, treasurer and secretary todayLive
Configure the group constitution, rules and contribution schedulesVersioned; changes adopted by voteLive
Record member contributions and balancesLive
Manage rotating savings arrangementsLive
Manage pooled savings and lending arrangementsLive
Record loans issued to membersLive
Configure loan amounts, repayment schedules and interestWhere legally permittedLive
Track repayments, arrears and outstanding balancesLive
Calculate and distribute dividends or end-of-cycle payoutsCalculated and recorded; the treasurer pays out the cashLive
Record fines, penalties and missed contributionsLive
Schedule meetings and send remindersIn-app notifications today; SMS comingLive
Record meeting minutes and group decisionsLive
Require multiple approvals for withdrawals and loansLive
Maintain a transparent group ledgerLive
Generate financial statements for each groupLive
Members view their own contributions, loans and group performanceLive
Group-level audit trails and dispute recordsLive

Open village banking

Personal payments and financial services

10 of 11 live

Buy airtime and dataAirtime today; data bundles comingLive
Pay electricity, water, television and other utility billsBill reminders today; paying billers directly is comingSoon
Pay school fees and other institutional chargesTo the institution's bank or mobile money account, with your referenceLive
Make merchant paymentsFrom your wallet, or by mobile money, on checkout pages, invoices and payment linksLive
Receive salaries, allowances and business paymentsEmployers pay salaries straight into your wallet by Pay IDLive
Request money from other usersLive
Split bills and share expensesLive
Schedule paymentsLive
Recurring payments and standing instructionsLive
Pay group contributions directly from a walletVillage banking contributions, paid to the group's collecting officialLive
Payment notifications and digital receiptsLive

Identity, security and financial profile

9 of 9 live

Digital onboarding and identity verificationLive
PIN, biometric and multi-factor authenticationPIN and two-factor today; biometrics with the mobile appLive
Device registration and trusted-device managementNew-device alerts; trust or remove devicesLive
Transaction alerts and suspicious-activity notificationsTransaction, new-device, low-balance and unusual-payment alertsLive
Personal transaction and savings historyLive
Downloadable proof-of-payment and account statementsLive
Consent-based financial profile for accessing suitable financial productsShared by private, expiring links you controlLive
Financial literacy, savings education and budgeting guidanceLessons and personalised tipsLive
Customer support, complaints and dispute trackingLive

Your financial history, your consent

Turn everyday activity into a record you can use.

With your permission, wallet usage, savings behaviour and village banking participation can build a consent-based financial history, helping you demonstrate financial activity when you apply for formal financial services through authorised partners. You stay in control of who sees it.

About availability

Features marked "Coming soon" are in development. Interest, returns, lending and some savings products are offered only where permitted by law and, where required, through appropriately authorised institutions.

Part of one platform

One account. Three divisions.

Personal Finance shares its payment infrastructure, ledger, identity, risk engine and reporting with the rest of Luheto Pay, so your money and history move with you.

Business PaymentsA full-featured payment gateway and merchant payments platform.Escrow ServicesSecure holding and conditional release of funds between parties.

Shared

Payment infrastructure

One processing and routing engine connected to mobile money, banks and card partners.

Shared

Transaction ledger

One record of every kwacha that moves, so wallet, merchant and escrow balances always agree.

Shared

Identity system

One account, one Pay ID and one verification across personal, business and escrow use.

Shared

Risk engine

Shared transaction monitoring, limits, risk scoring and alerts protect every payment flow.

Shared

Reporting platform

Statements, settlement files, audit trails and dashboards drawn from the same records.

Personal Finance

Wallets, accounts, savings, budgeting and village banking.

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