Bei

Pricing

Kila kitu kinachoweza kukugharimu.

Everything that can cost you.

Kuna vitu viwili tu vinavyoweza kuchukua thamani kwenye MojaWallet: tofauti ya bei unapobadilisha kati ya shilingi na USDT, na ada iliyochapishwa kwenye kitendo fulani. Ukurasa huu unaeleza vyote viwili, pamoja na hesabu halisi. Kuficha ada ndiyo namna bidhaa kama hii inavyochukiwa.

Only two things can take value on MojaWallet: the spread when you convert between shillings and USDT, and a published fee on a particular action. This page explains both, with the arithmetic. Hiding fees is how a product like this gets hated.

1Tofauti ya beiThe spread 2AdaFees 3Mifano ya hesabuWorked examples 4Mipaka ya kiasiLimits

1. Tofauti ya bei (spread)

1. The spread

1.50%

kila upande, kwenye kila ubadilishaji kati ya shilingi na USDT.

each way, on every conversion between shillings and USDT.

150bps, ndiyo namna mfumo unavyoihifadhibps, which is how the system stores it

2.96%kwenda na kurudi kwa TZS 50,000out and back on TZS 50,000

Shilingi zinapokuwa USDT, na USDT inaporudi shilingi, tunatumia bei iliyo mbali kidogo na bei ya soko. Umbali huo ndio tofauti ya bei, na ndio mapato ya msingi ya huduma hii. Iko upande mmoja tu kila mara: unaponunua unalipa juu kidogo ya soko, unapouza unapokea chini kidogo ya soko.

When shillings become USDT, and when USDT goes back to shillings, we use a price a little away from the market price. That distance is the spread, and it is this service's basic income. It always leans the same way: buying, you pay a little above the market; selling, you receive a little below it.

Tofauti hii ni sehemu ya bei unayoonyeshwa kabla ya PIN. Haijafichwa kama ada tofauti, na haiongezwi tena baadaye.

The spread is part of the price you are shown before the PIN. It is not hidden as a separate fee, and it is never added again afterwards.

Hiki ndicho kiwango cha msingi kilichowekwa kwenye mfumo. Mmiliki wa huduma anaweza kukibadilisha bila kusimamisha mfumo, na kila mabadiliko yanahifadhiwa na jina la aliyeyafanya.

This is the level the system ships configured with. The operator can change it without a restart, and every change is stored with the name of whoever made it.

Bei ya soko inatoka wapi. Mfumo huu unaweza kutumia bei iliyowekwa kwa mkono wakati wa usanidi, au bei inayotoka kwa chanzo cha soko. Chanzo cha soko hakijaunganishwa kwenye msimbo huu bado. Ukiwekwa, mfumo unakataa kutoa bei yoyote endapo bei ya mwisho ina zaidi ya sekunde 300: bora ushindwe kufanya muamala kwa dakika moja kuliko kuuziwa kwa bei ya jana.

Where the market price comes from. This system can use a price set by hand at configuration time, or one from a market feed. No market feed is wired into this codebase yet. When one is, the system refuses to quote at all if the last price it saw is more than 300 seconds old: better that you cannot transact for a minute than that you are priced off yesterday.

2. Ada

2. Fees

Ada si namba iliyoandikwa ndani ya msimbo. Ni safu iliyochapishwa kwenye jedwali la bei, yenye toleo lake, tarehe inayoanzia, na jina la aliyeichapisha. Hakuna ada inayofutwa wala kubadilishwa mahali pake: toleo jipya linachapishwa juu ya la zamani, hivyo muamala wa mwezi uliopita bado unaweza kuhesabiwa upya kwa masharti yaleyale uliyotozwa.

A fee is not a number written inside the code. It is a row published into a price table, carrying its version, the date it starts applying, and the name of whoever published it. A fee is never deleted or edited in place: a new version is published above the old one, so a transaction from last month can still be re-priced under exactly the terms it was charged under.

Leo, ada iliyochapishwa ni sifuri.

Today, the number of published fees is zero.

Jedwali la bei kwenye mfumo huu ni tupu, na injini inatoza sifuri pale ambapo hakuna kilichochapishwa, na haikisii bei kamwe. Maana yake: kwa sasa gharama pekee ni tofauti ya bei iliyo hapo juu. Ada yoyote itakayochapishwa itaonekana kwenye jedwali hili la ukurasa huu na kwenye nukuu yako kabla hujaweka PIN.

The price table on this deployment is empty, and the engine charges zero where nothing is published, and it never guesses a price. Which means: for now the only cost is the spread above. Any fee that does get published will appear in this page's table and in your quote before you enter your PIN.

Kinachoweza kutozwa, na kisichoweza

What can be charged, and what cannot

Kila namna thamani inavyotembea, na hali yake ya ada leo.
KitendoAction	Inaweza kutozwa?Chargeable?	Imechapishwa leoPublished today
Kutuma kwa mtumiaji mwingine wa MojaWalletSending to another MojaWallet user	NdiyoYes	BureFree
Kutoa pesa kwenda simu (M-Pesa, Tigo Pesa, Airtel Money)Cashing out to mobile money (M-Pesa, Tigo Pesa, Airtel Money)	NdiyoYes	BureFree
Kulipa biliPaying a bill	NdiyoYes	BureFree
Kulipa faini au deni lililogunduliwaPaying a discovered fine or charge	NdiyoYes	BureFree
Kutoa USDT kwenda anwani ya nje (BEP-20)Withdrawing USDT to an outside address (BEP-20)	NdiyoYes	BureFree
Kuweka pesa kutoka simu yakoTopping up from your phone	Hapana, kamweNo, never	BureFree
Kupokea USDT kwa mnyororoReceiving USDT on chain	Hapana, kamweNo, never	BureFree
Kupokea zawadiReceiving a reward	Hapana, kamweNo, never	BureFree

Safu tatu za mwisho, zenye mstari upande wa kushoto, hazisemi “hatujaweka ada bado”. Zinasema kwamba injini ya bei inakataa kuchapisha ada juu ya pesa inayoingia: leja haina mahali pa kuiandika, hivyo ada hiyo ingekuwa ahadi isiyotimizwa. Ni sheria ya msimbo, si uamuzi wa kibiashara unaoweza kubadilika kimya kimya.

Those last three rows, the ones with a rail down their left edge, do not say “we have not set a fee yet”. They say the pricing engine refuses to publish a fee on money coming in: the ledger has nowhere to post it, so such a fee would be a promise it could not keep. That is a rule in the code, not a commercial decision that can quietly change.

Maumbo ya ada ambayo injini inayajua

The fee shapes the engine understands

Ada yoyote itakayochapishwa italazimika kuwa katika mojawapo ya maumbo haya, na ukurasa huu utaonyesha umbo lililotumika:

Any fee that gets published has to take one of these shapes, and this page will show which one was used:

Tuli: kiasi kilekile kwa kila muamala.
Flat: the same amount on every transaction.
Asilimia: kiasi tuli pamoja na sehemu ya kiasi kinachotumwa.
Percent: a fixed amount plus a share of the amount being moved.
Madaraja: jedwali la vipimo, kama pesa za simu zilivyo Tanzania. Madaraja lazima yaanzie sifuri na yasiache pengo, na injini inakataa jedwali lenye pengo.
Banded: a table of bands, the way Tanzanian mobile money actually prices. Bands must start at zero and leave no gap, and the engine refuses a table that has one.

Kila umbo linaweza kuwa na sakafu (ada haishuki chini yake) na dari (ada haipandi juu yake), na linaweza kutofautiana kwa kila daraja la KYC. Ada inazungushwa juu, kwa kiwango cha milioni moja ya dola.

Each shape can carry a floor (the fee never goes below it) and a cap (it never goes above it), and can differ by KYC tier. Fees round up, at a resolution of one millionth of a dollar.

3. Mifano ya hesabu

3. Worked examples

Namba hizi ni za mfano, si bei ya leo. Zimehesabiwa kwa bei ya soko ya 2,650 TZS kwa USDT moja, kiwango kilichowekwa kwenye mfumo huu wakati wa usanidi, na kwa tofauti ya bei ya 1.50%. Bei halisi utakayopewa iko kwenye nukuu yako, na ndiyo pekee inayokufunga.

These numbers are an illustration, not today's price. They are computed at a market price of 2,650 TZS per USDT, the level this deployment ships configured with, and a spread of 1.50%. The real price you are offered is in your quote, and that is the only one that binds you.

Kuweka pesaTopping up KutumaSending Kutoa pesaCashing out Kulipa biliPaying a bill

Unaweka TZS 50,000 kutoka M-Pesa

You top up TZS 50,000 from M-Pesa

Kinachotoka kwenye simu yakoWhat leaves your handsetTZS 50,000

AdaFeeTZS 0

Kinachoingia kwenye pochiWhat lands in the walletUSDT 18.589088

Unanunuliwa USDT kwa bei ya kununua, na mfumo unanunua kwa sakafu ya shilingi ulizotaja, kamwe si dari: hakuna milioni moja ya dola inayowekwa kwenye salio lako ambayo mtu hakuilipia.

You are bought USDT at the buy price, and the system buys at the floor of the shillings you named, never the ceiling: no millionth of a dollar is credited to you that nobody paid for.

Unatuma USDT 10 kwa rafiki mwenye MojaWallet

You send USDT 10 to a friend on MojaWallet

Kinachotoka kwenye salio lakoWhat leaves your balanceUSDT 10.000000

AdaFeeUSDT 0

KinachomfikiaWhat reaches themUSDT 10.000000

Hakuna ubadilishaji hapa, kwa hiyo hakuna tofauti ya bei: USDT inatoka kwenye akaunti moja na kuingia nyingine kwenye leja ile ile, mara moja.

Nothing is converted here, so there is no spread: USDT leaves one account and enters another on the same ledger, immediately.

Unataka TZS 50,000 zifike kwenye simu yako

You want TZS 50,000 to reach your phone

Kinachotoka kwenye salio lakoWhat leaves your balanceUSDT 19.155254

AdaFeeUSDT 0

Kinachofika kwenye simu yakoWhat arrives on your handsetTZS 50,000

Hapa unauza USDT, kwa hiyo bei ni ya kuuza. Kiasi cha USDT kinazungushwa juu ili shilingi ulizoziomba zifike zote: usipungukiwe kwa sababu ya kuzungusha.

Here you are selling USDT, so the price is the sell price. The USDT is rounded up so that every shilling you asked for actually arrives: rounding never leaves you short.

Unalipa bili ya TZS 30,000

You pay a TZS 30,000 bill

Kinachotoka kwenye salio lakoWhat leaves your balanceUSDT 11.493152

AdaFeeUSDT 0

Kinachomfikia mtoa hudumaWhat reaches the billerTZS 30,000

Bili inapangwa kwa bei ya kuuza kama kutoa pesa. Akaunti yako kwa mtoa huduma inathibitishwa kwanza, kabla ya kitu chochote kutoka kwenye salio lako.

A bill prices on the sell side exactly like a cash-out. Your account with the biller is checked first, before anything leaves your balance.

Hesabu zote zimefanywa kwa namba nzima, kama mfumo wenyewe unavyohesabu.

Every one of them is computed in whole integers, exactly the way the system itself computes.

Kwenda na kurudi

There and back

Ukiweka TZS 50,000 halafu ukatoa kila kitu mara moja bila kufanya lolote, unapokea TZS 48,522. Umepoteza TZS 1,478, sawa na 2.96%. Hiyo ndiyo tofauti ya bei mara mbili: mara moja ukiingia, mara moja ukitoka. Hakuna ada iliyofichwa ndani yake.

Put in TZS 50,000, then take it all straight back out without doing anything, and you receive TZS 48,522. You are down TZS 1,478, which is 2.96%. That is the spread twice: once going in, once coming out. There is no hidden fee inside it.

MojaWallet inafaa kwa pesa unayoshikilia na kuitumia, si kwa kuingiza na kutoa saa hiyo hiyo.

MojaWallet is for money you hold and spend, not for money you put in and take out in the same hour.

4. Mipaka ya kiasi

4. Limits

Kiasi unachoweza kutoa kinategemea kiwango cha uthibitisho wa utambulisho wako. Mipaka inahesabiwa kwa muda unaosonga: saa 24 zilizopita na siku 30 zilizopita, si kwa kalenda, ili usisubiri saa sita usiku ili uweze kutuma tena. Mipaka inagusa pesa inayotoka tu; hakuna kikomo cha kupokea.

How much you can move out depends on how far your identity has been verified. The windows are rolling: the last 24 hours and the last 30 days, not calendar ones, so you never wait for midnight to send again. Limits apply only to money going out; there is no ceiling on receiving.

Vikomo vya msingi vya kila daraja, kwa USDT kwa sababu ndicho kinachoshikiliwa.

The default ceiling for each tier, in USDT because that is what is held.

Haijathibitishwa

Unverified

Namba ya simu iliyosajiliwa.

A registered phone number.

Kwa muamalaPer transactionUSDT 25

Kwa saa 24Per 24 hoursUSDT 50

Kwa siku 30Per 30 daysUSDT 500

Simu imethibitishwa

Phone verified

Jina lako kamili, tarehe ya kuzaliwa, namba ya kitambulisho na picha ya kitambulisho chako.

Your full name, date of birth, ID number and a photo of your ID.

Kwa muamalaPer transactionUSDT 250

Kwa saa 24Per 24 hoursUSDT 500

Kwa siku 30Per 30 daysUSDT 5,000

Kitambulisho kimethibitishwa

ID verified

Picha ya kitambulisho chako na selfie ukiwa umekishika.

A photo of your ID and a selfie holding it.

Kwa muamalaPer transactionUSDT 2,500

Kwa saa 24Per 24 hoursUSDT 5,000

Kwa siku 30Per 30 daysUSDT 50,000

Kwa bei ya mfano hapo juu, USDT 25 ni takriban TZS 65,000 na USDT 2,500 ni takriban TZS 6,525,000.

At the illustrative price above, USDT 25 is about TZS 65,000 and USDT 2,500 is about TZS 6,525,000.

Daraja la 3 (“Kiwango cha juu”) halipatikani bado. Limeelezwa kwenye sera ya mfumo, lakini jedwali la mipaka linakubali madaraja 0 hadi 2 pekee, na mfumo unakataa kutoa daraja ambalo halina kikomo kilichochapishwa, kwa sababu ungebaki na kitambulisho chetu na usiweze kutuma chochote. Usitume uthibitisho wa makazi ukitegemea daraja hilo kwa sasa.

Tier 3 (“Enhanced”) is not available yet. It is described in the system's policy, but the limits table accepts only tiers 0 to 2, and the system refuses to grant a tier that has no published ceiling, because you would be left having handed us your ID and unable to send anything. Do not send proof of address expecting that tier today.

Kupandisha kikomo chako

Raising your ceiling

Fungua pochi yako, nenda kwenye akaunti, chagua kupandisha daraja.
Open your wallet, go to your account, and choose to raise your tier.
Toa kile daraja hilo linahitaji (kadi hapo juu), pamoja na picha ya kitambulisho chako.
Hand over what that tier requires (the cards above), including a photo of your ID.
Mfanyakazi anakagua, na mwingine anathibitisha. Hakuna mtu mmoja anayeweza kupandisha daraja peke yake.
A member of staff reviews it, and a second one confirms it. No single person can raise a tier alone.
Kikomo chako kipya kinaanza kufanya kazi mara moja, na pochi yako inakuonyesha kilichobaki leo na mwezi huu.
Your new ceiling applies at once, and your wallet shows you what is left today and this month.

Timu ya msaada inaweza pia kukupa kikomo chako mwenyewe kwa sababu maalum. Kikomo cha aina hiyo lazima kiwe na tarehe ya kuisha: kupandishiwa kikomo kwa ajili ya kununua kiwanja hakupaswi kubaki milele kimya kimya.

The support team can also give you a ceiling of your own for a stated reason. Such an override must carry an expiry: a limit lifted to buy a plot of land must not quietly stay lifted forever.

Ni nini kinaweza kubadilika, na utajuaje

What can change, and how you would know

Tofauti ya bei inaweza kubadilishwa na mmiliki wa huduma bila kusimamisha mfumo. Kila thamani iliyowahi kuwepo inahifadhiwa na jina la aliyeibadilisha.
The spread can be moved by the operator without a restart. Every value it has ever held is kept, with the name of whoever changed it.
Ada mpya inachapishwa kama toleo jipya lenye tarehe ya kuanza. Muamala uliopita hauhesabiwi upya kwa bei mpya.
A new fee is published as a new version with a start date. A past transaction is never re-priced under a new one.
Mipaka inabadilishwa kwa utaratibu wa watu wawili, na thamani ya awali inahifadhiwa pamoja na sababu.
Limits change under a two-person process, and the previous value is kept along with the reason.
Kwa kila muamala, bei uliyoonyeshwa kabla ya PIN ndiyo bei uliyotozwa. Ukikuta tofauti, fungua malalamiko na tutahesabu upya kutoka kwenye toleo lililotumika.
On any transaction, the price you were shown before the PIN is the price you were charged. If you find a difference, open a complaint and we will re-compute it from the exact version that was used.

Fungua pochi kwenye wavutiOpen the web wallet Kilichojengwa na kisichojengwaWhat is built and what is not