Send money just like a text. The funds arrive instantly to the recipient’s mobile in Ethiopia, Kenya, Uganda or Tanzania. Wave charges no fees to send money and displays live price comparisons to competitors in the app. Wave encrypts all personal data and offers phone support every day so you always know where your money is. Western Union and MoneyGram make money on both exchange and fees. Wave only makes money on our exchange rate. Because we're a software company that's automated the entire process, that's enough for us to build a sustainable business and save you $9 on every $100 transfer.