How do advertisers fund a wallet?

With card or mobile money — MTN MoMo, Airtel Money, or M-Pesa — and you only spend what you fund.

Is there a minimum to top up?

Yes — the minimum wallet top-up is $10, or the USD equivalent in your local currency.

No — spend is hard-capped to your wallet balance, so your campaign pauses before you go negative.

How fast can I withdraw?

Once your balance passes the $75 minimum, standard withdrawals process in a few business days, with a same-day express option for a 4.5% fee.

What fees apply to withdrawals?

Standard withdrawals cost 2.5%; same-day express costs 4.5%. Creator earnings are also subject to withholding tax — 6% with a TIN, 15% without.

Which currencies do you support?

Wallets are USD-denominated. Mobile-money deposits and payouts convert to the local currency on the rails that serve your market.

Do publishers pay withholding tax?

No — withholding tax applies only to creator income. Publishers' earnings are not subject to it.

Where can I see my transaction history?

The wallet page logs every movement with a full transaction history.

All features

Protect and Pay

Built around mobile money, not against it.

Fund a wallet with card or mobile money, spend only what you load, and withdraw earnings via MTN MoMo, Airtel Money, and M-Pesa.

Open Your Wallet All Features

Overview

How it works

Advertisers fund a wallet with card or mobile money — and only spend what they fund. Creators and publishers withdraw earnings via MTN, Airtel, and M-Pesa in local currency, once their balance passes the withdrawal minimum.

Fund via card or mobile money — MTN MoMo, Airtel Money, and M-Pesa
Spend is hard-capped to wallet balance — never overspend
Withdrawals above the minimum, with same-day express or standard processing
Full transaction history for every wallet movement

Open Your Wallet

A man outdoors in Kenya checking his phone — mobile money on the go

$10

minimum top-up

$75

minimum to withdraw

Supported rails and markets

MTN MoMoAirtel MoneyM-Pesa

Wallet & fees

Clear numbers, no surprises.

The full wallet economics up front — minimums, fees, and the rails your money moves on.

Top up

$10minimum

Fund your USD wallet by card or mobile money — MTN MoMo, Airtel Money, or M-Pesa.

Withdraw

$75minimum

Cash out earnings via mobile money or bank transfer once your balance passes the threshold.

Express cash-out

4.5%fee

Same-day processing when you need funds fast; standard withdrawals cost 2.5%.

Wallet mechanics

Money in, spend capped, cash out.

One USD wallet for advertisers, creators, and publishers — funded, spent, and withdrawn through rails built for African markets.

Multiple funding rails

Fund a wallet with card or mobile money — MTN MoMo, Airtel Money, and M-Pesa.

Hard-capped spend

Advertisers never overspend — your balance is the ceiling, so spend can never go negative.

Local-currency rails

Your USD wallet tops up and pays out in local currency on the rails that work where you live.

Express cash-out

Need funds same-day? Withdraw at express speed for a 4.5% fee instead of the 2.5% standard.

Auto-pause at zero

A campaign pauses the moment its balance can't cover another click — no negative balances, ever.

Full ledger history

Every top-up, click debit, and withdrawal logged end to end with a complete audit trail.

FAQs

Common questions.

Every click screened. Every payout local.

Argus filters fraud before it's billed, affiliate sales track back automatically, and withdrawals land in mobile money instantly.

Fraud filtering and matching, in one engine.

Argus filters bot clicks in real time and matches campaigns to creators and publishers by niche and geography.

Explore Argus

Earn on the sale, not just the click.

Earn commission on the sales you drive, automatically attributed to the click that sent the buyer.

Explore Brand Affiliate

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Browse the full Adscod platform across advertisers, creators, and publishers.

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One Engine. Three Sides. Zero Subscriptions.

CPC, CPA & CPM campaigns, a one-call publisher API, free creator bio pages, and a fraud-screened wallet — all running on the same matching engine.

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