Save. Grow. Prosper
eMalyami provides you with your own virtual credit card and virtual wallet that uses CryptoKwena to transact, transfer and save.
Find eMalyami on Android app

Receive and send money to each other from your phone.
Purchase and pay for services through our platforms.
Pay for services such as DSTV, Municipal Accounts,
Netflix and Insurance premiums.
Purchase services such as airtime, water and electricity
and movie tickets.
Apply for a VCC to get on your smartphones.
Pay and buy with a tap or via QR code scan.
Monthly repayment of the VCC through funds of virtual wallet, kadaslip, CryptoKwena or external debit orders.
Available VCC
Siba (Sibambisyano) a cooperative money collection system made in an agreed fixed period. Aimed to assist individuals and businesses financially. The system allows you to form a group of minimum 3 people. An agreed amount is collected per month and dispatched to one member of the group each month until term is completed.
Apply for personal or small business loan account with a limit of R 5000.00
When application is made via our platform, you will receive the approval via the application.