Welcome to the world of Zoka, your all-in-one gateway to globally connected financial services. Whether you’re an individual using Zoka Personal, a growing enterprise on Zoka Business, a local Mobile Money Agent, or exploring next-gen automation with Zoka AI Agents, each product is built for speed, security, and borderless convenience. Our infrastructure integrates seamlessly with traditional and Web3 financial rails, giving you uninterrupted access to stablecoin-powered services, cross-border payments, and on-chain utilities. Unlike other platforms, Zoka does it all, connecting people, businesses, and systems locally and globally, through one smart ecosystem designed for financial freedom, no matter where you are or what you do.
Let’s walk you through our service rails.
Zoka Personal
Spend Without Borders. Live Without Limits.
Zoka Personal gives you access to global stablecoin banking, no bank account required.
Sign up in 2–3 minutes & create your own virtual Zoka Card instantly
Spend & Save in USDT, USDT & USDe with more tokens on the way
Shop Anywhere: Accepted by 150M+ merchants and ATMs globally both online and offline.
Use with Apple Pay & Google Pay
Earn Up to 8% Cashback on eligible transactions
Get Referral Bonuses of up to $1,000
Your funds are protected by cutting –edge Web3 infrastructure
Top–up and send money anywhere, anytime
Zoka Personal Services FAQ:
How much do I need to open a Zoka Personal account?
You can open a Zoka Personal account with as little as $50. It’s fast, secure, and designed to get you started on your global financial journey right away.
How much does it cost to sign up for a Zoka Virtual Card?
Absolutely nothing. It’s free! Get your Zoka Virtual Card at no cost and start making global payments instantly.
Who can apply for Limited accounts and Virtual Cards?
Zoka offers global coverage. You can apply for an account from anywhere – except in restricted jurisdictions where our services may not be supported due to regulatory limitations.
Are there any fees associated with transactions?
Yes, Zoka charges a small fee per transaction. The exact fee depends on the amount and destination country. You’ll always see a full fee breakdown before confirming your transfer – no hidden charges.
How long do transfers take to complete?
Transfers to other Zoka users are free and instant. For other destinations, delivery times vary by country and currency. Zoka supports real-time transfers in select countries, while others may take 1- 3 business days. Visit the Help Center to check transfer times for your destination.
Your Money. Your Rules. Your Way. No Questions Asked. No Boundaries…
Zoka simplifies global personal finance, join us and take control of your finances today
Zoka Business
Simplifying Payments in Emerging Markets
Zoka Business is your trusted B2B and B2C platform for fast, secure, and scalable liquidity — built to power seamless business payments, collections, and cross-border growth.
No More Delays, No More Hidden Fees
Traditional cross-border payments are slow and expensive. Zoka Business changes the game with a smarter, more agile system that lets you navigate global markets effortlessly without losing value to exorbitant rates or red tapes
Key Features at a Glance:
Simplified non -bank payments
Real -Time Global Settlements
24 / 7 FX Access With Competitive Rates Even Across Africa
Daily Transaction Limits of Up to $5M
Secure Payments. Multifactor Authentication
Enhanced Local & Int’l Trading Opportunities
More Financially Viable Transactions
Greater Revenue Potentials
Zoka Business Services FAQ:
What currencies are supported by Zoka Business?
Zoka supports a wide range of Stablecoin and Fiat currencies, including USD, EUR, GBP, and several African currencies – designed to help your business operate seamlessly across borders.
What does it cost to use Zoka Business for my transactions?
Using Zoka Business is free – there are no subscription or setup fees. However, transaction and FX conversion fees may apply, depending on your business location and the specific services used. Fee details are always disclosed before confirming a transaction.
How long does it take for business transactions to be processed through Zoka?
Zoka Business enables fast settlement, with most transactions processed within 24 hours (T+1) or less – helping your business maintain liquidity and speed.
What does the onboarding and KYC process entail?
To meet compliance standards, the onboarding process includes verifying your business identity. You’ll need to submit documents such as your Certificate of Incorporation, National ID, Proof of Business Address, and other relevant regulatory materials.
How does Zoka Business support importers/exporters with foreign currency collections – especially in Africa?
Zoka simplifies cross-border payments for African businesses. With Zoka, exporters can receive foreign currency payments directly into their Zoka Business accounts, bypassing complex procedures. This reduces costs, improves speed, and offers T+1 to T+2 settlement timelines – perfectly suited for Africa’s fast-evolving trade dynamics.
What is the timeline for reviewing onboarding documents after submission?
We aim to review all submissions promptly, with most onboarding applications processed within 1 to 7 business days.
Whether you’re scaling your export business or collecting payments globally, Zoka Business helps you stay competitive, increase margins, and grow sustainably.
Zoka Business Expense Management
Smarter Spending. Total Control. Real-Time Visibility.
Zoka Business comes with integrated, automated expense management tools, no spreadsheets, no guesswork.
Automated Reporting: Submit & Reconcile Business Expenses Seamlessly
Built – In Controls: Set Spending Rules & Expense Limits.
Approval Workflows: Pre-build Budgets & Smarter Spend.
Real-Time Oversight: Spot issues & Get Instant Expense Alerts.
ERP Integration: Seamlessly Sync With Your Accounting Tools.
Smart Insights: Catch Waste & Optimize Spending With AI Enablement.
Multi–Level Access: Empower Your Team, Stay In Control.
Global Readiness: Track & Manage Expenses Across Borders in Real-time.
Zoka Business Expense Management FAQs:
How does Zoka’s expense management solution help businesses save time?
With Zoka, there’s no need to manually track expenses or sort through endless reports. Employees can submit expenses in seconds through our intuitive interface. Transactions are automatically categorized, flagged if out-of-policy, and routed for approval – giving your team real-time visibility while eliminating hours of tedious work.
Can Zoka’s expense management software integrate with my already existing
accounting system?
Yes. Zoka Expense Management Software integrates seamlessly with popular accounting tools like Netsuite, QuickBooks, Xero, Sage, and others – typically within minutes. All expenses are auto-synced and accurately coded, making month-end reconciliation faster, cleaner, and error-free.
Does Zoka support employee reimbursements?
Yes. Employees can submit reimbursements quickly and easily, and approvalscan be processed in real time. This eliminates delays, reduces paperwork, and ensures your team stays productive without compromising oversight.
How does Zoka help track, control, and categorize employee expenses?
Zoka provides full visibility into company-wide spend with smart dashboards. You can set spend limits, detect suspicious activity, and enforce policy rules automatically. Our AI matches receipts, categorizes expenses, and syncs them with your accounting software for effortless expense tracking.
What automation features does Zoka offer to simplify expense approvals?
Zoka removes approval bottlenecks with customizable workflows aligned to your internal policies. Managers receive real-time alerts, and expenses are automatically reviewed or flagged—so nothing falls through the cracks, and your team stays focused on what matters.
With Zoka Business, expense management becomes proactive, not reactive, giving you clarity, control, and confidence over every local and/international currency spent.
Zoka Mobile Money Agents
Turn Cash into Dollars Instantly. Locally. Globally.
Zoka Mobile Money Agents make it easy for anyone, anywhere, to safely convert physical cash into digital dollars. We bridge cash-based economies with the global power of Web3 and stablecoins, making dollar access easier, faster, and more secure than ever.
How It Works:
Hundreds of Zoka Agents Nearby
Scan & Connect: Scan Agent’s QR to Start Transactions
Hand Over Cash: Quick In -person Exchanges
Get Paid Instantly: Digital Dollars Hit Your Zoka Wallet Immediately
Spend Globally: Use Zoka Virtual or Physical Cards
Withdraw Worldwide: Access Zoka-enabled ATMs at Competitive Rates
Send or Save Stablecoins: Transact in USDT, USDC & more with ease
Use with Apple & Google Pay
Click to find a Zoka Mobile Money Agent Near You
Become a Zoka Agent and Earn Income
Ready to be your neighborhood’s go-to dollar provider?
Set your own exchange rates
Earn a profit on every trade
Receive a free QR stand to advertise your Zoka enabled services
Build a loyal customer base and earn convertible Zoka points per transaction
Zoka Mobile Money Agents FAQs:
How do I know if a Zoka agent is legitimate?
All Zoka agents undergo a rigorous screening and verification process before joining our network. Each agent’s profile displays their transaction count and user rating for transparency. Zoka also actively monitors agent activities to maintain trust and uphold security standards.
Are there fees for using a Zoka agent to exchange digital dollars?
Yes, Zoka charges a 1% platform fee on both buying and selling digital dollars. This helps us maintain and improve the platform, strengthen security protocols, offer responsive customer support and expand our network of trusted agents.
Can I sell stablecoins for cash through a Zoka agent?
Absolutely! Zoka supports two-way transactions. You can easily sell your stablecoins for cash using the same smooth process as buying. This ensures you have complete flexibility between digital and physical currency when you need it.
What are the minimum and maximum amounts I can exchange?
- Maximum Limit: By default, you can exchange up to $1,000 per day (buying or selling). You can increase this limit by completing additional verification.
- Minimum Limit: There’s no minimum – exchange any amount, no matter how small.
How quickly will I receive my digital dollars after exchanging cash?
Your digital dollars are transferred instantly to your Zoka wallet once the agent confirms receipt of your cash. For your protection, agents must have sufficient balance in their wallet to complete the transaction before initiating it.
Zoka AI Agents
AI agents are rapidly evolving into powerful economic participants. On your behalf, they can hold assets, execute payments, and conduct a range of financial transactions including increasingly complex roles in the agent economy.
The problem
Today’s financial systems are not engineered for and resistant to these agentic activities. Designed for a different era, they are characterized by slow transactions, high costs, and rigid workflows — fundamentally unprepared for the speed, scale, and unique risks of AI. Attempting to build the agent economy on this legacy infrastructure will suffocate progress.
Our Solution
Zoka is building an AI-native financial institution: a regulated entity designed from the ground up for AI agents and their human collaborators. We’re enabling AI to securely identify itself and transact safely, while providing businesses and consumers with a trusted partner for this new economic era, underpinned by a commitment to pioneering AI-specific risk management and compliance.
To realize this vision, we are engineering a new generation of financial services for the agent economy, including leveraging AI-native money – regulated stablecoins – while also creating essential bridges to traditional banking rails and payment systems.
Regulated stablecoins and agentic financial solutions will have broad positive impacts on people and businesses, for example:
- Faster, less expensive global remittances
- New ways to discover and buy products online
- Opportunities for small businesses to reach new customers
- Better supply chain payment and financing
- Global treasury management solutions
- New ways to work with vendors globally