Everything your African treasury can do — explained simply.
Tengapo is designed to be powerful without being complicated. Here is every feature, explained as an end user would experience it — no technical jargon, no system diagrams.
Your @username & payment link
✦Every wallet gets a unique, human-readable @username chosen at registration
✦Your payment link (tengapo.com/send/@you) works for any sender, anywhere in the world
✦No account required to send — your link is a universal key
✦Share via WhatsApp, Instagram, email, or embed on your website
✦Your link never expires and never changes unless you change your username
Wallet balances & treasury
✦Three balance types: Available (spendable), Current (total), and Credit (topped-up funds)
✦Balances displayed in ZMW (Zambian Kwacha) as the Tengapo settlement currency
✦Real-time balance updates after every transaction
✦No minimum balance required to maintain your account
✦Balance history tied to full transaction audit log
Sending & receiving
✦Receive from anyone in the world — no sender account required
✦Send money to other Tengapo wallets using their @username
✦Guest senders pay via Flutterwave (card, mobile money, bank transfer)
✦Maximum single send: K10,000 ZMW per transaction
✦Funds arrive in recipient wallet within seconds of payment confirmation
Top up & withdraw
✦Top up your Credit Balance to fund outbound transfers
✦Withdraw your Available Balance to mobile money or bank account
✦Withdrawal requests processed within 1–3 business days
✦Maximum single withdrawal: K15,000 ZMW
✦Withdrawal fees apply — see our fee schedule for details
Security & geo-verification
✦All wallets geo-verified at creation — African residents only
✦Country detection uses IP-based geolocation — cannot be spoofed with standard VPNs
✦Session auto-expires after 30 minutes of inactivity
✦Passwords stored using industry-standard bcrypt hashing
✦All API communication encrypted via HTTPS/TLS
✦Email verification required before wallet activation
Transaction history & records
✦Full searchable transaction history in your dashboard
✦Each transaction shows sender, amount, fees, timestamp, and status