Self modu
What matters to you, in any country
Your own modu for your own plans: studying abroad, a move, rent, a big purchase. Save in the currency you need, pay by card or QR wherever you are, and invite someone only if you want to.
Everyone in.
Everything clear.
A modu for family across bordersA modu that pays by QRA modu for your kid’s pocket moneyA modu for class parentsA modu for a shared dreamA modu for mum’s first digital dollars
Send money home to your mother. She picks it up in cash near her home, or on a card.Scan the shop’s code or show yours to the cashier. The treasurer pays for everyone, and the whole modu sees it.Your kid pays for games, apps and snacks on their own. You set the limit and see every payment.A whip-round for the teacher’s gift or the graduation. One treasurer, and every parent sees the same history.Save together for a trip, tuition or a gift. Everyone sees how much is left.Mum is afraid of picking the wrong network and losing the money. Her son is right there: he checked and confirmed.
Licensed partnersKYC / AMLMoney protected
Moments
One moment — one modu
Not a list of accounts, but a list of situations. A modu starts when people have something in common, and closes when the moment is over.
Family modu
Family across borders
You support family back home, or they cover you. One clear circle instead of transfers scattered in chats.
Friends modu
Friends and plans
A birthday, a trip, a dinner out. Whoever books pays, everyone chips in, nobody chases anyone for money.
Care modu
Mum and dad
Pocket money for parents and a trusted helper beside them as they try new ways to pay.
Goal modu
A shared goal
Save together for a trip, tuition or a gift. Everyone sees how much is left.
Class & club modu
Class parents and clubs
Gifts for teachers, the graduation, a football club, a Saturday court, a choir trip. One treasurer, one history for everyone.
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Your own moment
Any situation where people have something in common. You choose the name.
Scan to Pay
Pay by QR in two ways
Scan the shop’s code or show yours to the cashier. The money comes from the modu and the payment appears in the shared history at once.
- MPMYou scan the shop’s QR
- CPMThe cashier scans your QR
How it works
Three steps, then it runs itself
No applications, no paperwork, no explaining why you need a shared wallet.
Step 1
Gather your people
Create a modu and invite people with a link. You name the moment: “Class of 4B”, “Mum”, “Bali in March”.
Step 2
Chip in
Everyone tops up from their own card, in their own currency, from their own country. You see who is in and who is not.
Step 3
Pay and watch
Pay by card, by QR or by transfer straight from the modu. The history is shared: no screenshots, no “I’ll pay you back”.
Roles
Everyone has a role. Invite them into it.
Every modu starts with one link. You pick the role, they tap once and they are in: no forms, no explaining. Each person sees exactly what their role allows.
Host
Starts the modu, sends the link and closes it when the moment is over.
→Usually you.
Treasurer
Pays from the shared money at the till, by card or QR. Everyone sees each payment at once.
→Invite the one who always ends up paying.
Member
Chips in and sees who put in what and what is left.
→Invite the whole group chat.
Observer
Sees everything, pays nothing. For someone who just wants to know it is all fine.
→Invite grandma.
Trusted helper
Stands beside a parent trying something new: sees the payment first and confirms it.
→Invite your son or daughter.
Maya topped uptoday · 14:20
+ €40Priya paidflowers · teacher’s gift
− €23Daniel topped upyesterday
+ €40Left to go€120 to the goal
€197This is how the history of the “Class of 4B” modu looks to every member at once
When the moment is over, Moduwi makes a short summary for the group chat: who took part, how much, for what. It is the best way we know to start the next one.
Beside you
New things are easier together
New ways to pay arrive faster than people get used to them. QR payments, virtual cards, digital dollars: older people want them, but fear making a mistake and losing the money.
- ✓The helper sees the operation before it leaves, and confirms it.
- ✓The network and the rate get checked together, not guessed.
- ✓The same protection works against fraud: a suspicious payment never goes through silently.
- ✓A child pays on their own while a parent sets the limit and sees every payment.
Security
Shared money needs trust
So we don’t invent our own bank. We work with licensed partners and show everything that happens.
Licensed partners
Payment and banking services and card issuance are provided by licensed partners under their own licences and authorisations, not by Moduwi.
KYC and AML
Identity is checked once when you join. After that it works across all your modus.
Visible to everyone
Every movement of money lands in the shared history. It cannot be erased afterwards.
Your own currency
Everyone tops up in their own currency and country, and the modu counts it all together.
Global
Shared money was invented long before us
Every culture already has its own habit of chipping in together. Moduwi doesn’t teach new behaviour, it gives the old one a convenient form.
Chipping inCIS
계모임Korea
Chit fundIndia
AA制China
الجمعيةArab world
ArisanIndonesia
PaluwaganPhilippines
ChamaKenya
StokvelSouth Africa
TandaMexico
SusuGhana
AjoNigeria
Parents’ committeeSchool
Interface and support in the language of your country. The brand name and the word modu are never translated.
Build your first modu
Moduwi opens market by market so every circle gets proper support. Leave your email and pick your moment: we’ll write when it opens where you are.
No newsletters, no ads. Only the launch email.
You’re on the waitlist
We’ll write to you as soon as Moduwi opens where you are. Nothing else, we promise.