We started HSB because we watched Ghanaian families lose money every time they sent or received it across borders — and lose again when the cedi slipped. We knew there was a better way, so we built it.
place Accra, Ghana — home of HéShìBì
Every Ghanaian should be able to hold a stable dollar — without paying a fortune to get it.
Ghana moves billions of dollars every year. Families receive money from relatives abroad, traders settle deals across borders, businesses pay suppliers overseas. But most of that money passes through systems that are slow, expensive, and were never designed for Ghana. HSB is our attempt to fix that — not to replace the banking system, but to make it work better for the people inside it.
Moving money, holding value, and getting paid on time. HSB is built around all three.
Sending money home often costs 4–7% in fees and poor rates. On $200, that can be $14 gone before it ever reaches the family it was meant for.
Local currency can weaken fast, and many Ghanaians want to keep some savings in dollars. Until now, most had no simple way to do it. HSB makes it as easy as using MoMo.
Cross-border payments can take 2–5 days through traditional banks. With HSB, money arrives in about a minute — any hour, any day of the week.
We'd rather get it right for a small group first than rush it for everyone. Here's the path.
We're putting HSB in the hands of a small group of real users across Ghana — proving it works safely and reliably before we open it to everyone.
Once we're confident it's solid, we open HSB to all Ghanaians. That's when the waitlist gets called — and you'll be among the very first.
The plan is to take HSB beyond Ghana — to Nigeria, Côte d'Ivoire, and the wider region. One reliable digital dollar for the whole neighbourhood.
We're making something new for Ghana. Join the waitlist to be part of it from the very beginning.
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HéShìBì