HSB logo HéShìBì
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One app · Ghana

Cash in. Buy crypto. Save in dollars.

HSB links your MoMo and bank account to the dollar economy. Move money in and out, trade crypto, and keep your savings in USDC — with fees you can actually see, and money that lands in about a minute.

Get early access arrow_forward See how it works play_circle

Free to join. We'll message you the day it opens.

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Cash in from MoMoLanded in 42 seconds
A person holding a phone with the HSB app open at an Accra market
savings
USDC savingsWorth a dollar, always
sync_alt MoMo & bank on/off ramp currency_bitcoin Buy & sell crypto savings Save in USDC send Send & receive bolt Settles in about a minute
What it does

The bit between cedis and dollars — handled

You shouldn't need an agent, an exchange and three apps to hold a dollar. HSB puts the whole journey in one wallet.

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Move money in and out

Top up with MTN MoMo, Telecel Cash or a bank transfer, and cash out the same way whenever you need physical money back. Your cedis become spendable dollars in seconds.

MoMo · Bank
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Buy & sell crypto

Trade popular coins straight from your wallet at a price you see before you tap. Buy in with MoMo, sell out to cash — no separate exchange, no guessing the spread.

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Save in USDC

Park your money in a digital dollar that stays worth a dollar, so a weak cedi doesn't quietly eat your savings. Set some aside, or round up spare change as you spend.

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Send & receive

Move dollars across Ghana in seconds, or collect money from family abroad at the real rate. What gets sent is what lands — fees don't take a bite out of the middle.

Ghanaians paying digitally at a market stall
How it works

From MoMo to dollars in three steps

  • 1

    Pick an amount and how you'll pay

    Open the app, type an amount, and choose MTN MoMo, Telecel Cash or a bank transfer.

  • 2

    Approve it on your phone

    Confirm with your MoMo PIN or finish the bank transfer. The money moves into your secured wallet.

  • 3

    Spend, trade or save it

    Your balance lands right away. Hold dollars, buy crypto, or shift it into USDC savings — up to you.

Why it matters

Built for how Ghana actually moves money

Around $4 billion comes home to Ghana every year, and too much of it disappears into transfer fees before it arrives. Meanwhile a weak cedi chips away at whatever's left in savings.

HSB rebuilds all of it around the phone in your hand — so you keep more of your money, and keep it in dollars when you want to.

history_toggle_off The old way

  • close 4–7% lost to fees and bad rates
  • close Days of waiting for money to land
  • close Savings slowly eaten by inflation
  • close Different apps for cash, crypto and FX

check_circle With HSB

  • check Fees shown before you confirm
  • check Money that settles in about a minute
  • check Dollar-stable USDC savings
  • check Ramp, crypto and savings in one place
Safe by design

Your money, held carefully — and checkable

Dollars you hold are fully backed, customer money is kept separate, and you can see what's going on with your funds.

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Fully backed reserves

Every digital dollar you hold is backed one-for-one, with customer funds kept apart from company money.

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Independent audits

Reserves are checked by independent auditors and reported, so you can confirm the money is really there.

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In your hands only

Encryption, device security and PIN approval on every transaction keep your wallet yours alone.

Be first to try HSB

We're opening to a small group across Ghana first. Leave your details and we'll reach out the moment your access is ready.

We respect your privacy. No spam, ever.