- Kwattel’s AkiPaga service enables instant transfers, payments, deposits, and withdrawals across Angola using simple feature phones and a vast agent network.
- As a non‑banking institution regulated by the National Bank of Angola, Kwattel ensures security via peer‑to‑peer encryption and wide accessibility without needing data or a bank account.
Kwattel expands financial access across Angola
Kwattel S.A. is a non‑banking financial institution regulated by the National Bank of Angola. It operates AkiPaga, a mobile payments platform that allows users to send and receive money, pay bills, deposit, and withdraw—even without a bank account or mobile data. Users can register via USSD on any phone by dialing *447#, while agents can use *445#. The platform works nationwide and in over 30 countries abroad, enabled by an extensive network of identified agents and peer‑to‑peer encrypted transactions.
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Kwattel champions convenience and inclusion with AkiPaga
AkiPaga simplifies everyday financial tasks by allowing instant, real‑time transactions—available 24/7 with no balance needed. The platform ensures strong security and confidentiality via encryption and PIN protection. By removing the need for a bank account, data, or even voice credit, AkiPaga empowers previously unbanked communities and supports agent‑based cash access. Kwattel’s vision is to make “money always at hand” (O Dinheiro sempre à Mão) accessible and safe for everyone.
Angola’s financial landscape faces challenges—limited banking infrastructure, low digital penetration, and rural access barriers. Kwattel addresses these with AkiPaga’s inclusive, low-cost model. By using USSD technology, agent networks, and secure encryption, the company brings essential services to underserved areas, supporting financial inclusion and local commerce.
As mobile finance becomes a cornerstone of development in emerging markets, Kwattel’s positioning demonstrates how pragmatic, accessible fintech can drive real social and economic impact—blending compliance, innovation, and simplicity into scalable service for all Angolans.
