Send and receive from contacts
Send, receive, and track transfers with real-time status. Limits are checked before every move, and history is always within reach.
Trusted everyday wallet
Send, pay, and
stay in control
One wallet for everyday money. Send to friends,
pay your bills, and manage it all with security built
in from day one.
Meet Your Everyday Wallet
From daily spending to what's coming next, your wallet is designed to grow with you, with sending, bills, and security tools built in.
Pay bills instantly, all in one wallet
Look up, confirm, and pay LUKU, water, TV, and more in one tap from lookup to receipt.
Built for daylife
One wallet built for every part of life
Your money today, with family accounts and team tools on the way, all on the same trusted foundation.
No surprise charges
Say goodbye to surprise charges
You'll only pay what's shown upfront, with no hidden fees and a clear, reliable payment experience.
Tired of juggling five apps to pay your bills?
ELVO brings everyday money into one place. Check your balance, send to family, and pay LUKU, water, TV, or airtime without switching apps or memorizing USSD codes.
Pay bills in one place
Electricity, water, TV, airtime, internet, government, hospital, and airline. Eight categories, one wallet.
Look up before you pay
Check the bill first, confirm the amount and details, then pay, so every payment starts clear and ends tracked.
Security built in
Verification-first signup, step-up protection on sensitive moves, and limits you can see before money moves.
There is an elvo
for every need
Every ELVO card is a controlled window into your wallet. Nothing is stored on the card itself. Everything is governed by the same rules that protect your balance. Join the waitlist for early access.
ELVO Card
Everyday spending, waitlist-first, with the same wallet rules and simpler checkout.
ELVO Team Card
Shared spending with permissions and approvals, built for teams on the way.
ELVO Shield Card
Fresh virtual numbers per purchase, freeze anytime, designed for safer online spend.
Transfer
Send money, easier than ever.
Send to anyone on ELVO in seconds. Every transfer is checked against your limits and account rules first, so it either goes through cleanly or doesn't go at all.
- Checked Before It Moves
- Limit Checks Included
- Full Transaction History
Bills Payments
Check the bill before you pay it.
Look up your LUKU, water, or DSTV account first, confirm the exact amount and details, then pay directly from your wallet.
- 8+ Bill Categories
- Lookup Before You Pay
- Status Tracked to Completion
Coming Soon
Built to grow with you.
ELVO's wallet is the foundation. Agent cash-out, familyaccounts, and delegated access are next, built on the sameaccount rules and security you already trust.
- Agent Cash-Out
- Family & Shared Accounts
- Delegated Access
Discover the trusted advantage
ELVO puts you in control with wallet checks that protect every balance: clear limits, transparent rules, zero guesswork.
Elvo Card
Spend smart, stay in control
Three card concepts built for how you spend, from everyday use to team accounts. Join the waitlist; cards launch when the wallet is ready.
Send Money
Send money, stay confident
Secure wallet-to-wallet payments within ELVO, checked against your limits before they move.
Account balance
2,000,000 tzs
Team = 117,333.80 tzs
Balance
See exactly where you stand
Stay in control of your balance, anywhere
Elvo shield Card
Explore the ELVO Shield Card.
A fresh virtual card number for every online purchase, plus freeze-instantly control. On the waitlist; built on the same wallet rules.
- Elvo cardFree
- Elvo Team CardComing Soon
- Elvo Shield Card
Our promise in every payment.
Verified accounts, tracked payments, and structure you can see, from signup to settlement, with clarity at every step.
8+
Bill Categories
TZS
Native from day one
100%
Payments tracked to status
We built ELVO because one digital identity should work everywhere, through an app, an agent, or a simple code, not five separate systems.
IsOnlyCoolie
Founder & Engineer
Security Layer
Protection that moves with your money.
From everyday transfers to larger payments, layered security puts you in control: verification codes, device management, and wallet freeze, with no confusion or guesswork.
FAQs
Got questions? We're here to help!
Clear answers on your wallet, bills, security, and account limits. Can't find what you need? Our support team is ready to help.
ELVO is a digital wallet and payments platform built for everyday money in East Africa. Store value, send to people on ELVO, and pay bills from one place, with security and limits you can actually see. ELVO is not a bank; it is financial infrastructure designed to feel simple on the surface and serious underneath.
Trust is layered, not luck. Verify your identity at signup, add two-step protection when you want it, and get an extra security checkpoint on sensitive moves. Review every device logged in, freeze your wallet in one tap if something feels off, and know every important action leaves a trail, not a mystery.
Electricity (including LUKU), water, TV, airtime, internet, government fees, hospital bills, and airline bookings. Eight categories, one wallet. Look up the bill first, confirm the amount, then pay. Status stays visible until the payment lands where it should.
You're still in control. Revoke active sessions, log out everywhere, or freeze your wallet in one tap, with no support queue required. Sensitive actions always ask for a verification or confirmation code, so your money stays protected even when your device isn't.
Tap Send, pick your recipient, enter the amount. ELVO checks your limits and account rules before anything moves. Larger transfers ask for an extra security step. Both of you see the update in your transaction history, clear and traceable.
The wallet engine is built and getting sharper every release. Real mobile-money deposit, cash-out, and agent networks are on the way. Join the waitlist for closed beta access and launch updates as cash rails go live.
Support
Can't find what you're looking for?
Reach out anytime. We're here to help.
Contact usGo to Github RepositoryDive in and help build
Dive in and help build
the future of ELVO.
Browse the source, open an issue, and take part in building the wallet. Fork, contribute, and ship with the community.
Or scan the QR code below
