Never abandon a wallet again — smart fee routing for every transaction
Rising mobile money transaction fees and strict biometric/SIM registration rules are forcing Ugandan users to abandon secondary wallets, resulting in 22 million accounts going inactive.
OptiMomo is a mobile app that gives Ugandan users real-time fee comparisons across MTN MoMo, Airtel Money, and others, then recommends and instructs the cheapest wallet for each transaction based on current balances and network promos. It automatically parses forwarded SMS to track all wallets in one place and sends minimal-activity reminders so secondary wallets never go inactive due to biometric rules.
Ugandan consumers and small businesses previously maintaining 2+ mobile money wallets across networks for cost optimization and convenience
Balance-aware recommendations combined with crowdsourced real-time promo intelligence — no other tool factors in your actual wallet liquidity before suggesting a network.
friendly and supportive
Scrapes and crowdsources latest fees and promos across all mobile money networks
Recommends optimal wallet using balances, fees, and promo data
Parses forwarded mobile money SMS to update balances and log transactions
Alerts users to perform low-cost activities to prevent account deactivation
Shows total fees saved and wallet activity scores
Complete history with fee and savings attribution
Instant notifications when temporary discounts appear
Generates and opens correct USSD string in chosen wallet
Exportable statements for personal finance or tax
Forecasts which wallets risk deactivation
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| phone | text | No |
| full_name | text | Yes |
| created_at | timestamp | No |
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| provider | text | No |
| phone_number | text | No |
| balance_ugx | int | Yes |
| last_activity | timestamp | Yes |
| health_score | int | Yes |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| wallet_id | uuid | No |
| amount_ugx | int | No |
| fee_ugx | int | No |
| savings_ugx | int | Yes |
| type | text | No |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| provider | text | No |
| transaction_type | text | No |
| fee_ugx | int | No |
| promo_code | text | Yes |
| updated_at | timestamp | No |
/api/recommendReturns best wallet recommendation given amount, type and user balances
/api/sms-parseWebhook endpoint for parsed SMS data
/api/wallet-healthReturns inactivity risk and suggested actions for all user wallets
/api/fees/refreshTriggers update of cached fee data from crowdsource and scraping
/api/transactionsPaginated list of user's transaction history with savings
10 recommendations/month
None
Up to 5 staff
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 520 | 7% | $1,019 | $12,228 |
| Month 6 | 3,150 | 11% | $9,702 | $116,424 |
The only app that tells you exactly which wallet to use for every payment — saving Ugandans thousands while beating strict registration rules.
Post in the top 5 Uganda mobile money Facebook groups offering 6 months Pro free to the first 25 small business owners who complete a 15-minute interview. Attend the weekly Kampala Entrepreneurs Meetup at The Hub to demo live and collect beta signups. Run targeted Facebook ads to users who engage with MTN/Airtel fee complaint posts offering a free wallet health audit.
Clean balance tracking
No recommendations or proactive reminders
Intelligent routing and health engine
Static fee tables
Never updates with promos or user balances
Live data + SMS automation
Network effects from user-contributed promo data and transaction outcomes create the most accurate recommendation model in Uganda. Accumulated wallet health patterns become proprietary dataset.
Fee hikes in 2023-2024 combined with NIMES biometric crackdown caused 22M dormant accounts — users are actively looking for tools that make multi-wallet strategies sustainable again.
Financial regulatory gray area in Uganda
App only gives information and USSD shortcuts; never touches funds. Engage local fintech lawyer early.
Users unwilling to forward SMS
Offer robust manual entry path and clear value education during onboarding.
SMS parsing accuracy varies by phone
Use multiple parsing libraries and fallback manual entry.
Success: ≥75% say they would pay ≥$20/month for solution
Success: ≥35% still using weekly and 25% convert to paid
Success: 1,000 downloads and $800 MRR in first 30 days
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