Jibu la kweli lina pande mbili. Upande wa mfumo: leja ni ya kuingiza mara mbili, imefungwa kwa mnyororo wa hash, na inajikagua yenyewe kila wakati; ikikuta kasoro, utoaji wa pesa unagandishwa kwa kila mtu mpaka mtu achunguze. Pesa haiwezi kupotea katikati ya muamala, kwa sababu muamala uliokwama unaishia kurudishwa kikamilifu.

The honest answer has two halves. On the system side: the ledger is double entry, sealed with a hash chain, and continuously checks itself; if it finds a fault, withdrawals freeze for everybody until a human investigates. Money cannot vanish mid-transaction, because a stalled one ends in a full return.

Upande wa taasisi: MojaWallet haina leseni ya benki, haina bima ya amana, na haijakaguliwa na mkaguzi wa nje. Unatutegemea sisi kubaki waaminifu na imara. Usiweke hapa pesa ambayo huwezi kumudu kuipoteza kama huduma hii itashindwa.

On the institutional side: MojaWallet holds no banking licence, has no deposit insurance, and has not been audited by an outside auditor. You are relying on us staying honest and solvent. Do not keep money here that you could not afford to lose if this service failed.

# Kiungo cha swali hiliLink to this question

MojaWallet haina leseni yoyote ya kifedha nchini Tanzania na haijitangazi kuwa nayo. Hatujafanya usajili wa kisheria wowote unaotuweka chini ya msimamizi wa sekta ya fedha. Kama ungependa huduma iliyo chini ya usimamizi wa Benki Kuu, huduma za pesa za simu za kampuni za simu ndizo zenye leseni hizo.

MojaWallet holds no financial licence in Tanzania and does not claim one. We have made no regulatory registration that puts us under a financial sector supervisor. If you want a supervised service, the mobile network operators' own mobile money products are the ones that hold those licences.

Tunachofanya ni kutumia sheria zilezile za utambulisho na ufuatiliaji ambazo huduma za fedha hutakiwa kuzitumia, kwa sababu ni sahihi kufanya hivyo, si kwa sababu tumeambiwa. Soma sera yetu ya AML na KYC.

What we do is apply the same identity and monitoring practices a supervised financial service is required to apply, because it is the right thing to do rather than because we have been told to. Read our AML and KYC policy.

# Kiungo cha swali hiliLink to this question

USDT inafuata dola ya Marekani. Ukiweka shilingi leo na kuzitoa mwaka ujao, kiasi cha shilingi utakachopata kinategemea dola ilivyobadilika dhidi ya shilingi katika kipindi hicho. Katika miaka ya karibuni shilingi imekuwa ikishuka dhidi ya dola, na hiyo ndiyo sababu watu wengi wanataka akiba ya dola. Lakini haitegemewi kuwa hivyo kila mara: dola ikishuka, salio lako la shilingi litashuka pia.

USDT tracks the US dollar. Put shillings in today and take them out next year and how many shillings you get back depends on how the dollar moved against the shilling in between. In recent years the shilling has tended to weaken against the dollar, which is why people want dollar savings. But it is not guaranteed to keep doing that: if the dollar weakens, your shilling balance falls with it.

Hii si akaunti ya akiba yenye riba. Hakuna faida inayoongezeka. Ni njia ya kushikilia thamani kwa dola badala ya shilingi.

This is not an interest bearing savings account. Nothing accrues. It is a way to hold value in dollars instead of shillings.

# Kiungo cha swali hiliLink to this question

Leo, ada zote ni sifuri: hakuna ada iliyochapishwa kwenye mfumo huu, na injini ya bei inatoza sifuri pale ambapo hakuna kilichochapishwa. Gharama pekee ni tofauti ya bei unapobadilisha kati ya shilingi na USDT, ambayo ni 1.50% kila upande kwa usanidi wa sasa.

Today every fee is zero: nothing is published on this deployment, and the pricing engine charges zero where nothing is published. The only cost is the spread when you convert between shillings and USDT, which is 1.50% each way as currently configured.

Kuweka pesa na kupokea USDT haviwezi kutozwa ada hata siku moja: injini inakataa kuchapisha ada juu ya pesa inayoingia. Angalia bei na mifano ya hesabu.

Topping up and receiving USDT can never carry a fee: the engine refuses to publish one on money coming in. See the pricing and worked examples.

# Kiungo cha swali hiliLink to this question

Tuambie mara moja, kwa njia yoyote kwenye ukurasa wa msaada. Lakini elewa hili: kutuma kwa pochi nyingine ya MojaWallet kunakamilika papo hapo na hakuna namna ya kuirudisha kiotomatiki. Tunaweza kutambua akaunti iliyopokea na kumfikia mmiliki wake, lakini kurudi kwa pesa kunategemea yeye kukubali.

Tell us at once, by any route on the support page. But understand this: a transfer to another MojaWallet wallet completes instantly and there is no automatic way to take it back. We can identify the receiving account and approach its holder, but the money coming back depends on them agreeing.

Kwa sababu hiyo, pochi inakuonyesha namba na kiasi kabla ya kuomba PIN yako. Hiyo ndiyo hatua ya kukagua.

This is why the wallet shows you the number and the amount before it asks for your PIN. That is the step at which to check.

# Kiungo cha swali hiliLink to this question

Hatuwezi kukuahidi muda, na hatutakuahidi. Mfumo unatuma ombi lako kwa mtoa huduma wa pesa za simu mara moja; baada ya hapo muda unategemea mtoa huduma na mtandao wa simu, si sisi. Kwa kawaida ni dakika, lakini mitandao inaweza kuchelewa.

We cannot promise you a time, and we will not. The system submits your request to the mobile money provider immediately; after that the timing is in the provider's and the network's hands, not ours. It is usually minutes, but networks can be slow.

Kinachotegemewa ni hiki: muamala unaishia kwenye moja ya mambo mawili tu, umekamilika au umerudishwa kikamilifu kwenye salio lako. Hakuna hali ya tatu ambayo pesa inabaki katikati.

What you can rely on is this: the transaction ends in exactly one of two ways, completed or fully returned to your balance. There is no third state in which the money sits in the middle.

# Kiungo cha swali hiliLink to this question

Hapana, usirudie. Rudia na unaweza kuishia kulipa mara mbili kwa mtoa huduma wa nje. “Inasubiri” ina maana mfumo unamsubiri mtu wa nje ajibu, na unaendelea kuufuatilia wenyewe.

No, do not retry. Retrying can leave you paying an outside provider twice. Pending means the system is waiting for somebody outside to answer, and it keeps chasing that by itself.

Ikikaa muda mrefu kuliko unavyoona ni sawa, fungua faili la msaada na utaje muamala huo. Usianzishe malipo mengine ya kitu kilekile.

If it stays there longer than looks reasonable, open a support case naming that transaction. Do not start a second payment for the same thing.

# Kiungo cha swali hiliLink to this question

Kutuma ndani ya pochi kunahitaji mpokeaji awe na akaunti ya MojaWallet kwenye namba hiyo. Kama hana, njia ni kutoa pesa kwenda kwenye simu yako halafu umtumie kwa njia ya kawaida ya pesa za simu.

A wallet-to-wallet transfer needs the recipient to have a MojaWallet account on that number. If they do not, the route is to cash out to your own phone and then send it to them by ordinary mobile money.

# Kiungo cha swali hiliLink to this question

Kuna njia ya kuiweka upya kwenye pochi na kwenye USSD. Unathibitisha kwa namba tunayokutumia kwa SMS na kwa namba ya kitambulisho tuliyo nayo. Kama hatuna kitambulisho chako, itabidi timu ithibitishe, na hiyo ndiyo sababu ya kupiga simu.

There is a reset in the wallet and on USSD. You confirm with a code we send you by SMS and with the ID number we hold for you. If we have no ID on file, a human has to approve it, which is what the support line is for.

Baada ya kuweka PIN upya, hakuna kinachotoka kwenye pochi kwa saa 24. Salio lako liko salama na linaonekana. Dirisha hilo ndilo mwizi angelitumia, na ndiyo maana lipo.

After a reset, nothing leaves the wallet for 24 hours. Your balance is safe and visible. That window is the one a thief would use, which is why it exists.

# Kiungo cha swali hiliLink to this question

Ingia kwenye pochi kutoka kifaa kingine na uzime vipindi vyote. Kipindi ni safu kwenye jedwali, si tokeni inayoendelea kufanya kazi mpaka iishe, hivyo ombi linalofuata kutoka simu iliyopotea linakataliwa mara moja.

Sign in from another device and kill every session. A session is a row in a table, not a token that keeps working until it expires, so the next request from the lost phone fails at once.

Usipoweza kuingia, tupigie. Na kumbuka: kuingia peke yake hakutoi pesa. PIN yako inahitajika kwa kila kitendo cha pesa.

If you cannot sign in, call us. And remember: being signed in does not by itself move money. Your PIN is required for every money action.

# Kiungo cha swali hiliLink to this question

Taarifa za kitambulisho, ikiwemo namba ya NIDA, zinafichwa kwa msimbo zikiwa zimehifadhiwa. Picha ya kitambulisho inawekwa kwenye hifadhi ya vitu, na mfanyakazi anapohitaji kuiona anapewa kiungo kinachotaja hati moja na mfanyakazi mmoja, kinachoishi kama dakika mbili na kinachoandikwa kwenye kumbukumbu pande zote mbili.

Identity fields, your NIDA number included, are encrypted at rest. The photograph is kept in object storage, and when a member of staff needs to see it they get a link naming one document and one member of staff, living about two minutes and logged at both ends.

Hatujaunganishwa na daftari la taifa la vitambulisho, hivyo uthibitisho unafanywa na mtu anayelinganisha kitambulisho na uso, na mwingine anathibitisha. Sera kamili ya faragha.

We are not connected to the national identity register, so verification is a person comparing the card to the face, with a second person confirming. The full privacy policy.

# Kiungo cha swali hiliLink to this question

Kwa app na pochi ya wavuti, ndiyo. Mfumo pia unajibu USSD kikamilifu, ambayo haihitaji intaneti na inafanya kazi kwenye simu yoyote, lakini namba fupi ya kupiga hutolewa na kampuni ya simu na haijatolewa bado. Tutaichapisha hapa siku itakapotolewa.

For the app and the web wallet, yes. The system also answers USSD in full, which needs no internet and works on any handset, but the short code you would dial is allocated by a mobile operator and has not been allocated yet. We will publish it here the day it is.

# Kiungo cha swali hiliLink to this question

Hili ni swali sahihi kabisa kuuliza, na jibu lake ni la kweli kabisa: hakuna mfuko wa fidia wala bima inayokulinda. Masharti yetu yanaeleza kwamba tukisitisha huduma tutatoa taarifa na kipindi cha kutoa pesa. Soma masharti.

This is exactly the right question to ask, and the answer is a blunt one: there is no compensation scheme and no insurance protecting you. Our terms say that if we wind the service down we will give notice and a window to withdraw. Read the terms.

Ndiyo maana ukurasa wa hali ya bidhaa upo, na ndiyo maana hatujaandika neno “salama kabisa” popote kwenye tovuti hii.

This is why the product status page exists, and why the words “completely safe” appear nowhere on this site.

# Kiungo cha swali hiliLink to this question