Peer-to-Peer (P2P) Transfers
Instantly send money to any CICO user with zero fees.
Cash-In / Cash-Out Agent
Deposit or withdraw physical cash at thousands of trusted agents.
Merchant Payments
Pay at shops and stalls by scanning a QR code—no cash, no hassle.
Online Payments
One-click checkout on partner websites and marketplaces.
Buy with CICO
Use your CICO balance for point-of-sale purchases anywhere.
Virtual International Card
Instantly issue a Visa/Mastercard–branded virtual card globally.
Multi-Currency Wallet
Hold, receive, and transfer in ETB, USD or other supported currencies.
Zero Transaction Fees
Move money for free—always. No hidden Transaction Fees
Real-Time Balance
See your balance update immediately and get instant alerts.
Budgeting & Expense
Categorize spending, set limits, and view analysis reports.
Equb (ROSCAs)
Create or join rotating savings groups to pool and share funds.
Bill Payments & Top-Ups
Pay electricity, water, internet or airtime directly from your wallet.
Split Bills & Request Money
Divide checks with friends or send payment reminders in a tap.
Virtual Savings Pots & Goals
Spin off sub-accounts for rent, fees or vacation fund goals.
In-App Chat & 24/7 Support
Get help instantly via live chat without leaving the app.
Biometric & PIN Security
Lock your wallet behind fingerprint, Face ID or a PIN.
Built-In KYC & Compliance
Streamlined identity verification to meet regulations.
API & Developer Platform
Plug CICO payments into your own apps, marketplaces or services.
Personalized Rewards
Earn offers, discounts and cashbacks tailored to your habits.
Micro-Loans & Pay-Later
Access small, short-term credit based on your history.
Investments & Wealth Tools
Save and grow your money with savings plans and micro-investing.
Multi-Language Support
Full app experience in English, Amharic, Somali, Oromo, and more.
Offline & Low-Connectivity
Complete transactions even when network coverage is spotty.
Social & Community
Share referral rewards, group chats, and community promotions.
Recurring Payments
Automate rent, fees or service subscriptions on a schedule.
Card Controls
Instantly freeze/unfreeze cards, set spend limits or block ATM withdrawals.
Advanced Analytics
Visual dashboards to track financial health and trends.
Apps Marketplace
Discover and use partner apps directly within CICO.
NFC Card
Tap to pay with contactless NFC-enabled cards.
Digital Invoicing & Receipts
Generate, send, and store electronic invoices instantly.
.webp)
