For customers
A wallet that finally feels like yours.
Receive change as Seeds. Watch your tier grow. Spend at any shop in the network. No subscriptions, ever.
Explore the customer app →✦ Southern Africa · Est. 2026
You earned it. Keep it.
One QR holds two things, never confused. Seeds are loyalty points that compound across every shop in your week. Store Cash is the small change the till owes you — kept as real money, spendable like cash at that merchant.
Free for customers
Seeds never expire
One QR. Every merchant.
Harare/Lusaka/Gaborone/Maputo/Johannesburg/Cape Town · Soon
✦ The problem
Small change.
Big leak.
01
Change just disappears.
Cashiers in Harare scribble IOUs on receipt paper for $0.35. Customers forget. Merchants eat the loss. The money evaporates.
02
Stamp cards belong in a museum.
A wallet stuffed with 14 paper cards from 14 cafés. Lose one, lose months of loyalty. It's 2026.
03
Loyalty doesn't compound.
Earn at one shop, redeem at the same shop. Visit somewhere new and start from zero — every single time.
✦ The solution
Two balances. Never confused.
When the till can't make your $0.35 in change, the cashier scans your QR and that cash lands in your Store Cash balance at that merchant — real money, not points. Separately, every purchase plants Seeds in your universal loyalty wallet, growing your tier across the whole network.
Seeds
Loyalty points
Earned on every visit. Pooled across every merchant. Drive your tier multiplier. Never expire.
Store Cash
Real money
The change you were owed in coins. Held at that merchant. Spendable like cash on your next visit there.
- $0.40
- Average change kept per visit
- 12s
- From scan to wallet
- ∞
- Seed expiry. They don't.
- 1
- QR code. Every shop in the network.
✦ How it works
Two balances. One promise.
Seeds are loyalty points — pooled across every merchant. Store Cash is the change you were owed — held in cents by the shop that owes it. Both ride on one QR.
Step 01
Scan at checkout
Show your QR. The merchant tablet identifies you and totals your purchase.
Step 02
Earn Seeds + bank your change
Every purchase plants Seeds in your universal loyalty wallet. Any coin shortfall lands as Store Cash at that merchant — real money, not points.
Step 03
Grow your tier
More Seeds means a higher tier. Higher tier means faster earning. The compounding never stops.
A week in the life
Tendai's wallet, by Friday.
One customer. Three merchants. Four visits. Seeds compound across the whole network — Store Cash stays at the shop that owed it.
Total Seeds
523
Sapling tier · 1.25× earning
- Mon
Harare Coffee House
+10 Seeds · +$0.30 Store Cash
- Wed
Mabvuku Fresh Market
+15 Seeds · +$0.25 Store Cash
- Thu
Sunshine Pharmacy
+8 Seeds
- FriSapling unlocked
Harare Coffee House
–$0.30 Store Cash · +10 Seeds
✦ Growth tiers
From a single Seed to a Baobab.
Every Seed planted moves you up. Every tier earns faster than the last. By Baobab, every dollar spent is two Seeds back — for life.
Tier 01
Seedling
0 – 999 Seeds
1×
earning rate
Welcome to the grove.
Tier 02
Sapling
1,000 – 4,999 Seeds
1.25×
earning rate
Bonus Seeds every week.
Tier 03
Tree
5,000 – 14,999 Seeds
1.5×
earning rate
Monthly drops & early access.
Tier 04
Baobab
15,000+ Seeds
2×
earning rate
Exclusive rewards. Forever.
✦ Built for both sides of the till
One platform. Two apps. Three experiences.
For merchants
Stop printing IOUs. Start retaining customers.
Eliminate change shortages. Replace paper stamps. Reach lapsed customers on their birthday — all from one tablet.
See the merchant tools →✦ The promise
Nothing is ever wasted. Everything carries forward.
Every cent of change kept as real money. Every visit planted as a Seed. Built for Southern Africa, by Southern Africa.