01
Log
Send a voice note
"I got paid 1,800."
Hesabu Agent · Arusha, Tanzania
Send money home. Know the real cost.
A WhatsApp money assistant for migrant workers. Log wages and spending by voice in Swahili, English or Arabic, then see what your family will really receive before you send.
The problem
The fee is shown. The cost hidden in the exchange rate is not.
$685bnExpected to be sent to low and middle income countries in 2024
6.36%Global average cost of sending money
24M+Migrant workers in the Arab States, 2019
Sources: World Bank estimate, People Move blog, 18 Dec 2024. World Bank Remittance Prices Worldwide, updated 18 Aug 2025. ILO.
Before a worker sends money home, Hesabu Agent compares the full cost, fee plus exchange-rate margin, across licensed exchange houses and shows what the family will really receive.
How it works
Four messages, all on WhatsApp.
02
Track
See your month
It logs the amount and shows your month total and savings.
03
Ask
Ask before you send
"How much does my family get if I send 500?"
04
Choose
Compare, then send the normal way
Licensed providers ranked by what the family receives. You send through your chosen provider.
Business model
Free for workers. Paid by the providers they choose.
Workers
Free to use.
Exchange houses
Licensed exchange houses pay a referral fee when a worker chooses them.
Later: employers
An employer version for worker wellbeing.
Where we are today
An honest snapshot: early, and starting from zero.
- Stage
- Idea
- Prototype
- Spreadsheet ledger
- Users
- 0
- Revenue
- USD 0
- Funding
- USD 0
- Company
- Not incorporated
- Team
- Solo non-technical founder
The plan
What comes next. A plan, not results.
-
First
30 worker interviews.Planned
-
Nov to Dec 2026
A no-code WhatsApp prototype. -
Then
A small pilot.
Founder
Mohamed Rashid Mohamed
Arusha, Tanzania · Speaks Swahili and English
Background
- Ran his own retail shop in Arusha, Jan 2021 to Jan 2025: cash, stock, suppliers, customer credit
- Sells water at Mbauda Market since Jun 2026
- Certificate of Merit in Computer Maintenance, Don Bosco KIITEC
Contact
Test it, build it, or introduce us.
Email mohmmedmohmmedy666@gmail.com or call +255 758 759 851.