verified Approved by Ghana Securities and Exchange Commission (SEC)

The digital dollar built for Ghana

HSB is a digital dollar — a stablecoin designed to maintain a 1:1 value with the US dollar. Send it, spend it, save it, right from your phone. Transparent fees. No bad exchange rates. Near-instant transfers.

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Hand holding smartphone with HSB app active in a vibrant Accra market

Total Wallet Balance

248.50

HSB
≈ GHS 3,820
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Kofi sent you

Today, 10:42am

HSB 50.00
verified_user SEC Approved
account_balance 100% Fully Backed
history_edu Monthly Audits
payments MoMo Integrated

The Stablecoin Concept

A digital dollar — simple as that

HSB stays fixed to the dollar and never changes in value. It's safe, stable, and transparent.

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Think of it like digital cash

HSB is a digital currency that exists on your phone. The difference is that HSB is always worth exactly $1 US dollar. It doesn't move with the market.

1 HSB = $1 ALWAYS NOT CRYPTO VOLATILE

The HSB Advantage

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Minimal Fees

Transfers fees are minimal compared to other options.

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Instant Arrival

Money arrives in seconds

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Cedi Independent

Hold value regardless of exchange rates

Old Finance

  • close Fees of 4–7% on transfers
  • close Wait 2–5 days for arrival
  • close Savings lose value to inflation

With HSB

  • check Zero transfer fees
  • check Instant settlement
  • check Secure dollar-linked savings

Why it matters for Ghana

Designed for the local reality, HSB solves the pain points of traditional money transfers and savings.

Ghanaians smiling while using digital payments at a stall
savings

Safe Savings

Protect your hard-earned money from cedi volatility.

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Free Remittances

Receive 100% of the money sent from abroad.

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QR Payments

Scan and pay instantly at any participating shop.

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Merchant Tools

Get paid in stable dollars with instant settlement.

How it works

1

Select amount & method

Open the app, choose MoMo or Bank transfer. Supported by MTN and Telecel.

2

Approve on your phone

Enter your MoMo PIN or complete bank transfer. The SEC ensures funds are safely moved to the vault.

3

Wallet credited instantly

Receive HSB at a 1:1 ratio. 1 HSB is always $1 USD.

Built for everyday Ghanaians

  • check Receive money from abroad at real rates
  • check Send dollars instantly across Ghana
  • check Pay at shops with simple QR codes

The Impact

~$4B

Sent to Ghana every year by Ghanaians abroad — most of it eaten up by high transfer fees.

security Safe & Regulated

Transparency you can verify

HSB holds all customer money in a supervised bank account at a licensed Ghanaian bank. Independent auditors count the money every single month and publish public reports.

Monthly Audits

Public proof of reserves

SEC Sandbox

Direct government supervision

verified

SEC APPROVED
GHANA 2026

Be first to try HSB

We are launching soon with a limited group. Save your spot today.

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