1. Kumjua mteja1. Knowing the customer#

Utambulisho unapanda kwa madaraja, na kila daraja linafungua kikomo kikubwa zaidi cha kutuma. Kiasi kidogo kinaruhusiwa kwa namba ya simu iliyosajiliwa pekee; kiasi kikubwa kinahitaji kitambulisho na uso wako.

Identification rises in tiers, and each tier unlocks a larger sending ceiling. A small amount is allowed on a registered phone number alone; a larger one requires an identity document and your face.

Vitambulisho vinavyokubalika ni NIDA, kadi ya mpiga kura, pasipoti na leseni ya udereva. Umri wa chini ni miaka 18, na mfumo unakataa maombi ya mtu aliye chini ya umri huo. Mipaka halisi ya kila daraja iko kwenye ukurasa wa bei na mipaka.

Accepted documents are NIDA, a voter card, a passport and a driving licence. The minimum age is 18, and the system refuses an application below it. The actual ceilings for each tier are on the pricing and limits page.

2. Namna maombi yanavyokaguliwa2. How an application is reviewed#

• Watu wawili. Mfanyakazi mmoja anakagua na mwingine anathibitisha. Hakuna mtu mmoja anayeweza kupandisha daraja la mtu peke yake.Two people. One member of staff reviews it and a second confirms. No single person can raise somebody's tier alone.
• Kwa mkono, kwa sasa. Hatujaunganishwa na daftari la taifa la vitambulisho. Uthibitisho ni mtu kulinganisha kadi na uso, na hilo ndilo linalotokea hasa leo. Mfumo umejengwa kupokea muunganisho huo pale utakapopatikana.By hand, for now. We are not connected to the national identity register. Verification is a person comparing the card to the face, and that is what actually happens today. The system is built to accept that integration when it becomes available.
• Kupimwa dhidi ya orodha. Kila idhini inapimwa dhidi ya orodha ya majina yanayotakiwa kuzuiwa. Idhini iliyopimwa dhidi ya kitu kisichokuwepo si idhini, na mfumo unakataa kufanya kazi hivyo.Screened against a list. Every approval is screened against a list of names that must be blocked. An approval screened against nothing is not an approval, and the system refuses to work that way.
• Daraja lisilotekelezeka halitolewi. Mfumo unakataa kutoa daraja ambalo halina kikomo kilichochapishwa, kwa sababu ungebaki umeshatoa kitambulisho chako na huwezi kutuma chochote.An unenforceable tier is never granted. The system refuses to grant a tier that has no published ceiling, because you would be left having handed over your ID and unable to send anything.

3. Ufuatiliaji wa miamala3. Transaction monitoring#

Kikomo kinazuia muamala mmoja kwa kuwa mkubwa. Hakisemi chochote kuhusu miamala arobaini midogo ndani ya saa moja. Sheria sita zinafuatilia mienendo ambayo kikomo hakiwezi kuiona:

A ceiling refuses one transaction for being too big. It says nothing about forty small ones in an hour. Six rules watch for the patterns a ceiling cannot see:

• Kasi: miamala mingi ya kutoa ndani ya muda mfupi.Velocity: many outbound transactions in a short window.
• Kugawanya: viasi vinavyorudiwa vikiwa chini kidogo ya kikomo cha daraja.Structuring: repeated amounts sitting just under the tier ceiling.
• Kuingia na kutoka haraka: pesa inayoingia na kutoka karibu yote ndani ya dakika chache.Rapid in and out: money arriving and most of it leaving again within minutes.
• Wengi kwenda kwa mmoja: watumaji wengi tofauti wanaomiminika kwa mpokeaji mmoja au namba moja ya kutolea.Many to one: many distinct senders funnelling into one recipient or one payout number.
• Akaunti iliyolala kuamka: akaunti kimya kwa muda mrefu inayoanza kuhamisha pesa kubwa ghafla.Dormant reactivation: an account silent for a long time that suddenly starts moving real money.
• Kifaa kinachoshirikiwa: simu moja iliyoingia kwenye akaunti nyingi.Shared device: one handset signed into many wallets.

Hakuna sheria hata moja inayozuia muamala. Zote zinafungua faili la uchunguzi kwa mtu kuliangalia. Tuhuma isiyo sahihi inayogandisha mshahara wa mtu siku moja kabla ya kodi ni matokeo mabaya kuliko uchunguzi wa polepole, na sheria inayozuia ni sheria ambayo hakuna anayethubutu kuirekebisha.

Not one of these rules blocks a transaction. They all open a case for a human to look at. A false positive that freezes somebody's salary the day before rent is a worse outcome than a slow review, and a rule that blocks is a rule nobody dares tune.

Mwendo unaoendelea kuwepo kwenye ukaguzi unaofuata hautoi tahadhari mpya, ili faili moja lisijirudie na kuzima uangalifu wa timu.

A pattern that is still true at the next check does not raise a second alert, so one case does not repeat itself until the team stops looking.

4. Kila kitendo cha mfanyakazi kinaandikwa4. Every staff action is recorded#

Kitendo chochote cha mfanyakazi kinachogusa pesa au mipaka kinaandikwa na jina lake, mahali alipotoka, thamani kabla na thamani baada. Kitendo cha mfanyakazi ambacho pesa inakifuata lakini mkaguzi hawezi kukiona ni mlango wa nyuma wenye namba ya tiketi.

Any staff action touching money or limits is recorded with their name, where they acted from, the value before and the value after. A staff action that money follows but an auditor cannot see is a back door with a ticket number.

Kikomo kilichopandishwa kwa mteja mmoja lazima kiwe na tarehe ya kuisha na sababu iliyoandikwa. Kikomo kilichopandishwa kwa ajili ya jambo moja hakipaswi kubaki juu milele kimya kimya.

A ceiling lifted for one customer must carry an expiry and a written reason. A limit raised for one purpose must not quietly stay raised forever.

5. Kuripoti5. Reporting#

Mfumo unaandaa orodha ya miamala mikubwa kwa ajili ya kuripoti. Kwa kuwa huduma hii haina leseni, kwa sasa hakuna njia rasmi ya kuripoti kwa msimamizi. Mmiliki wa huduma anapaswa kutafuta ushauri wa kisheria kuhusu wajibu wake wa kuripoti chini ya sheria ya Tanzania ya kuzuia utakatishaji fedha kabla ya kuanza kuhudumia wateja.

The system prepares a list of large transactions for reporting. Because the service holds no licence, there is currently no formal reporting line to a supervisor. The operator should take legal advice on their reporting obligations under Tanzanian anti money laundering law before serving customers.

6. Yasiyoruhusiwa6. What is not allowed#

• Kutumia akaunti ya mtu mwingine, au kufungua akaunti kwa jina lisilo lako.Using somebody else's account, or opening one in a name that is not yours.
• Kupokea au kutuma pesa kwa niaba ya mtu asiyejulikana kwetu.Receiving or sending money on behalf of somebody we do not know about.
• Kugawanya kiasi ili kukwepa vikomo au ukaguzi.Splitting amounts to get under a ceiling or past a check.
• Kutumia huduma kwa udanganyifu, utapeli, au kwa fedha zilizopatikana kwa uhalifu.Using the service for fraud, a scam, or with the proceeds of crime.

Akaunti inayotumika hivyo inasimamishwa, na tunashirikiana na mamlaka pale tunapotakiwa kisheria.

An account used this way is suspended, and we co-operate with authorities where we are legally required to.