---
title: "Kacha: Mobile Wallet in Ethiopia — Download"
description: "Send and receive money in Ethiopia: P2P transfers, QR merchant payments, airtime + utility bills, cash in/out via agents, remittances to wallets/banks."
canonical_url: "https://liners.com/kacha"
markdown_url: "https://liners.com/kacha.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/kacha/screenshot.webp?v=1784412763209"
published_at: "2026-07-21T21:38:52.892Z"
updated_at: "2026-09-13T10:43:48.840Z"
---

# Kacha: Mobile Wallet in Ethiopia — Download

Send and receive money in Ethiopia: P2P transfers, QR merchant payments, airtime + utility bills, cash in/out via agents, remittances to wallets/banks.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Kacha](/kacha)

## Summary

Mobile money, payments, and remittances for Ethiopia

A licensed Ethiopian mobile money platform for individuals and businesses to use a digital wallet, make payments, receive remittances, and access add-on financial services.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.kacha.et/ |
| Tagline | Mobile money, payments, and remittances for Ethiopia |
| Primary country | Ethiopia |
| Platforms | Android, Web, API, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Kacha is a licensed **payment instrument issuer** and **mobile money** provider in Ethiopia for individuals, merchants, and partners that need digital wallet, payments, and remittance capabilities.

Key capabilities include:

- **Kacha Wallet (mobile wallet):** Send and receive money, recharge airtime, pay bills and utilities, pay merchants via **QR**, and support everyday digital payments.
- **Payments and transactions:** **P2P transfers**, merchant payments, and cash-in/cash-out supported through an **agent network** as part of its National Bank of Ethiopia licensed mobile money service.
- **Inbound international remittances to Ethiopia:** Receive money into **Kacha wallets** and **bank accounts**, including instant transfer options (delivered through partnerships, including Thunes).
- **Additional digital financial services:** A **credit scoring engine** to support digital credit products, plus **IFB (Shariah-compliant) wallet and financing** and **digital insurance** (service details vary by offering).

Available on **Android** (Kacha Wallet app and Kacha Remit app), **Web** (including an agent portal at [https://agent.kacha.et](https://agent.kacha.et)), and via **USSD** (for example, *677#).

Target users include Ethiopian consumers, local merchants accepting digital payments, and financial institutions or business partners building lending, savings, or payments propositions on top of the platform.

Notable in the Ethiopian market as the **first private payment instrument issuer (PII)** licensed by the **National Bank of Ethiopia** for mobile money services (license referenced as NPS/PII/002/2022), with a stated focus on extending access through apps, USSD, and agents.

## Features

- [Fintech](/categories/fintech): Category
- [Agent Network](/tags/agent-network): Product feature or technology
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Mobile Money](/tags/mobile-money): Product feature or technology
- [QR Payments](/tags/qr-payments): Product feature or technology
- [Remittances](/tags/remittances): Product feature or technology
- [USSD](/tags/ussd): Product feature or technology
- [Ethiopia](/countries/ethiopia): Market

## Related pages

- [Alternatives](/kacha/alternatives)
- [Reviews](/kacha/reviews)
- [Transparency](/kacha/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/kacha)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)