Category
  • Fintechs
  • Neobanks
  • Payments
  • Remittances
Use Cases
  • Payment Settlement
  • P2P Remittances
  • US Dollar Access
Blockchains Supported
  • Arbitrum
  • Arc
  • Base
  • Ethereum
  • OP Mainnet
On/Off-Ramps
  • Yes
Platform
  • Android
Region
  • Middle East and Africa
Country
  • Ethiopia
  • Ghana
  • Kenya
  • Nigeria
  • Republic of the Congo
Support
Cradle Labs Limited

Helping users build financial discipline, gain financial clarity, and take control of their money. Everyday payments, budgeting, savings, investing, and spending analytics all in one app.

Expendi aims to make digital money practical for daily life: helping people pay bills, support family, build savings, and plan for the future.

With Expendi you can:

  • Send & Pay: Transfer stablecoins and make local payments through supported mobile money and bank networks.
  • Budget: Organize money into spending categories and set monthly limits.
  • Automate Payments: Schedule recurring payments for rent, subscriptions, utilities, and regular transfers.
  • Save: Set goals, automate contributions, lock funds until a chosen date, or pool savings with friends and family.
  • Split Expenses: Share bills and track what everyone owes.
  • Stack Sats: Build Bitcoin holdings over time with a budget and recurring purchases.
  • Understand Finances: Track income and expenses, explore spending trends and category breakdowns, filter by period, and export financial records.

Use Cases

Send Money & Make Everyday Payments

Send stablecoins to other wallets or make local payments through supported mobile money and bank networks across Africa. Expendi connects digital dollars with practical needs such as supporting family, paying merchants, and covering household expenses.

Automate Bills & Recurring Transfers

Set up scheduled payments for rent, subscriptions, utilities, and regular financial support. Choose an amount and frequency, track payment history, and pause or resume payments as your needs change. Expendi helps reduce the work of managing repeat payments.

Budget & Understand Your Spending

Organize expenses into "Pockets" for essentials, bills, and discretionary spending with monthly limits for each category. Use financial analytics to track income and expenses, explore spending trends, and see where your money goes. Filter by period and export records to support personal budgeting and financial reviews.

Save Toward Personal & Shared Goals

Put money aside for education, emergencies, travel, or other goals through automatic savings contributions. Lock funds until a chosen date to support saving discipline, or pool savings with friends and family for a shared purpose. Expendi brings individual and collective savings into the same app.

Split Bills with Friends & Family

Share the cost of rent, meals, trips, and other group expenses. Create a split, assign each person’s share, and track what everyone owes. Expendi helps groups coordinate payments and keep shared expenses organized.

Build Bitcoin Holdings with Stack Sats

Set a budget and schedule recurring Bitcoin purchases to accumulate smaller amounts over time. Stack Sats makes it easier to follow a consistent purchasing plan without manually placing every order, alongside your everyday payments, budgeting, and savings.

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