Where trust meets transaction
TFMula brings wallets, transfers, virtual cards, savings, agent banking, remittance and full administrative oversight into one enterprise platform.
- Currencies
- 9
- Corridors
- 12
- Agent rate
- 1%
Everything your money does
Every workflow from the original TFMula system, rebuilt as a modern banking experience.
Multi-currency wallet
Hold and move USD, EUR, GBP, ZAR, KES, GHS, NGN, INR and CNY with live conversion.
Transfers & P2P
Send by username in seconds. Fees are calculated and shown before you confirm.
Virtual cards
Issue tokenized cards, freeze them instantly, and pay online with confidence.
Savings & round-ups
1.5% monthly interest, automatic round-up sweeps and goal tracking.
Budgets & insights
Category spending analysis, budget alerts and downloadable statements.
International remittance
Twelve remittance corridors with transparent quotes before you send.
One platform, every role
Customers, agents, administrators, superadmins and owners each get a dedicated workspace.
Customers
Wallet, cards, savings, budgets, investments and support in one place.
Agents
Facilitate cash-in and cash-out, earn 1% commission, request payouts.
Administrators
Monitoring, fraud queues, reversal review and agent management.
Owner & Superadmin
Fee control, system parameters, audit trails and executive reporting.
Security is the product
Two-factor authentication, step-up verification on high-value transfers, device history, progressive lockouts, encrypted personal data, tokenized cards, fraud scoring against your own spending pattern, and an immutable audit trail behind every privileged action.
Get started- Two-factor authentication
- Encrypted personal data
- Tokenized virtual cards
- Real-time fraud scoring
- Full audit trail
- Reversal governance
- Device & session control
- Installable, offline-ready
Install TFMula on your phone
A full banking app experience — home-screen install, offline dashboard and receipts, and transactions that queue and sync when you reconnect.
Open your account