Your rands and your crypto sit in the same place. Buy, sell, send and receive, move rands in from your own bank account and take them back out again. You'll see the price and the fees before you confirm anything.
Cards are the next rail. There's nothing written here yet, because there's no card product to describe and we won't run the story ahead of the thing itself. Leave your email and you'll hear from us the day there is one.
A name, an 88Tag, a cell number or a wallet address is enough. Put in one detail and we work out how it gets there — to another 80eight account it lands instantly and free on 88Pay, and anywhere else it goes to their bank, their mobile money wallet, or on-chain. You see the fee and the arrival time before you confirm.
Get paid without handing out your bank details. Ask a contact, split a bill with a group, or send a link that anyone can pay, whether they're on 80eight or not.
Send money home and know exactly what lands. Pay out to a mobile-money wallet or a bank account across the corridors we support. The fee and the total are on the screen before you confirm, and your money comes back to you if the payout fails.
80eight holds rands, stablecoins and crypto in one account, moves them to anyone in seconds, and puts them to work while they sit. For people, and for businesses.
One button opens the whole suite. Every product in the account is a tile here — so the home screen never has to carry nine of anything.
TWO SUITES
Pick the side you are on.
Personal unbundles the app into six products you can pick up one at a time. Business bundles the whole thing into one account, with three desks behind it.
01
Wallet
Send
Request
Spend
Remittance
Wealth
Personal Suite
Everything your money needs to do.
Hold it, send it, get paid for it. Without moving it between apps first.
01 · Personal
Nothing has to move anywhere first.
Rand and crypto in one wallet. Pay anyone in seconds, get paid with a link instead of your bank details, and put something aside on a schedule you set once.
One account for the day to day. Real people when the amount gets big.
02 · Business
One account, and a desk to call.
Take payment however your customer wants to pay it. Pay suppliers and staff from the same account. When you're moving size or moving money offshore, there's a dealer and a treasury team on the other end of it.
One account holds rands, stablecoins and crypto, moves them to anyone in seconds, and puts them to work while they sit. The Personal Suite and the Business Suite run on it side by side.
TRUST BUILT FROM THE CORE
Facts we can already stand behind.
Funds safeguardedClient money is held separately and never lent out.
MPC custodyKeys are split across a licensed custody partner.
2FA on payoutsEvery payment out needs a second factor.
Licensed providerFSP licence 49010, regulated in South Africa.
SEVEN RAILS, ONE PLATFORM
Everything the platform does, on one screen.
Five personal products and two business rails, each doing a single job — all on the same account.
XAUT
ZAR
BTC
USDT
01Wallet
Everything you hold, in the same place.
01 · Wallet
Rands, stablecoins and crypto, side by side.
The rand value sits under every asset, so you never have to convert anything in your head. Buy, sell, deposit and withdraw without leaving the app.
One number for the whole portfolio, then the wallet behind it.
The rand value under every asset, always.
ZAR, ZAR8, USDT and USDC in the same list.
BTC, ETH and XAUT held, not just watched.
Deposit and withdraw in rand, instantly.
Everything in one app, nothing to transfer.
Balances shown are illustrative. Crypto values move; the rand figure under each asset is the live conversion at the moment you look.
BBBrent Brosome @brentb88Pay liveWhere things landZAR88Pay balanceUSDCBase
02Send
If they can receive it, you can send it.
02 · Send
A name, an 88Tag, a number or a wallet address is enough.
Put in one detail and we work out how it gets there. To another 80eight account it arrives instantly. Anywhere else it goes to their bank, their mobile money wallet, or on-chain.
88Pay, instant and free between 80eight accounts.
Bank and mobile money across South Africa and the rest of Africa.
Crypto on-chain, plus bulk and recurring payments.
AO
SK
TM
LM
NP
88.link/@thandi/450Copy
03Request
Get paid without asking twice.
03 · Request
Request from a contact, split a bill, or share a PayLink.
Same flow underneath all three, with the same tracking and the same instant arrival. And the person paying you doesn't need 80eight to do it.
Request one person, one amount, one reason.
Split a total across a group, one request each.
Collect with a link or a QR anyone can pay.
80eight•••• 8842
04Spend
Spend it without selling it first.
04 · Spend
Spend straight from what you hold.
One card, drawing on your rands, your stablecoins and your crypto. No selling up first, no moving it somewhere else and waiting for it to clear.
You're sendingR 4 812.00
05Remittance
Send money home, and know what lands.
05 · Remittance
The fee and the total, before you send.
Payout to a mobile money wallet or a bank account, with the route, the fee and the exact amount that arrives shown up front.
Tap to payR 240.00
80eight•••• 8842
06DPOS
Your phone is the card machine.
06 · DPOS
Take a tap without a terminal.
Enter the amount, let the customer tap, and the money arrives in the same account you pay out of. No rental, no dedicated device.
INVOICE 0042R 4 250
07Invoices
An invoice they can pay in one tap.
07 · Invoices
The PayLink is the invoice.
Send a link or a QR with the amount, the reference and the due date already on it. Your customer pays from whatever they use, and you watch it land.
SECURITY AND REGULATION
Your money, held properly.
Held apart from oursClient funds are safeguarded and held separately from 80eight's own money.
Keys split, not storedFull MPC custody with a licensed custody partner, so there is no single point of failure.
Licensed and auditedFSP licence 49010, regulated in South Africa, every transaction logged.
80eight is not a bank. 80eight is a financial technology company. You still need your own bank account. Digital assets are not bank deposits and are not covered by a deposit-protection scheme. Holding and trading digital assets involves significant risk, including the risk of substantial loss.
We have global expertise.Trusted by people and businesses worldwide to navigate forex and crypto with confidence.
We put customers first.A dedicated team delivering personalised guidance and white-glove service to you and your business.
We have a competitive edge.Transparent fees, better rates and cutting-edge digital tools built for your every need.
Innovation meets security.Regulatory compliance handled end to end, with robust security built into every layer.
SERVICES
80eight, at your service
If you've made it this far, chances are you already see how we can support you and your business. But words can only go so far — we'd love the opportunity to show you. Whether it's in our office or over a virtual coffee, let's connect, get to know each other, and explore how we can help you achieve your goals.
80eight empowers individuals and businesses to buy, send, receive and grow money across borders and currencies using both fiat and crypto rails. We provide the tools and infrastructure to move value quickly, securely and with greater flexibility.
Is 80eight a bank?
No. 80eight is not a bank. We are a licensed financial technology company that partners with regulated institutions to provide secure, borderless payment, forex and digital asset services.
Is 80eight a licensed Financial Services Provider (FSP)?
Yes. 80eight is a licensed Financial Services Provider (FSP) in South Africa and operates in full compliance with the regulatory standards that govern our licensed activities.
What are the three pillars of the 80eight ecosystem?
The three pillars are the App (your gateway to global payments and digital assets), the Business Suite (advanced financial tools for SMEs, corporates and global operators) and the Personal Suite (everyday financial tools for individuals to move, save and grow money). Each is designed to serve different needs while working seamlessly together.
Who can use 80eight's services?
Individuals and businesses of all sizes can use 80eight's services — anyone looking for seamless, global and digital-first financial tools to move, manage and grow their money.
How secure is 80eight as a financial platform?
80eight uses bank-grade security to protect your money and data. All information is encrypted, our wallets run on MPC (Multi-Party Computation) technology for advanced protection, and our systems undergo regular security audits, penetration testing and continuous monitoring.