Live on Lightning

The bridge between Bitcoin and your Shillings

Send Bitcoin, receive mobile money. Buy sats with M-Pesa. Top up airtime instantly. ChapSmart connects Bitcoin to everyday life in Tanzania.

Get Started Learn How

~10s

Settlement

1.32%

Lowest fees

24/7

Always on

9:41

ChapSmart

Remittance Delivered

25,000 TZS

14,680 sats

M-Pesa · 0741***890 Fee: 1.87%

Save More

Send Bitcoin,
keep more Shillings

Traditional remittance services charge 5–10% in hidden fees and poor exchange rates. ChapSmart uses the Lightning Network — so you pay less and your recipient receives more.

Up to 70%

Lower fees than competitors

Zero

Hidden charges

Fee comparison on 100,000 TZS

Lower is better — more money reaches the recipient

Western Union

8.5%

WorldRemit

5.2%

Bank Wire

7.0%

ChapSmart

1.32%

How It Works

Three steps. That's it.

No bank account needed. No lengthy KYC. Just Bitcoin in, mobile money out.

Enter Amount

Choose how much TZS the recipient gets. We show you the exact sats with live pricing and transparent fees.

Pay with Lightning

Scan a QR or pay with one tap using Alby, Phoenix, or any Lightning wallet. Confirms in seconds.

Money Delivered

Recipient receives mobile money on their phone instantly. No app download needed on their end.

Products

Everything you need.

Bitcoin tools built for real life in Tanzania.

Remittance

Send Bitcoin and deliver mobile money to any Vodacom number. Real-time rates with fees as low as 1.32%.

2,500 – 1M TZS

Airtime Top-Up

Buy airtime with Bitcoin for any Tanzanian mobile number. Instant delivery, no registration needed.

500 – 15K TZS

Buy Sats

Purchase Bitcoin with M-Pesa. We handle the conversion at live market rates and pay your Lightning invoice directly.

1,000 – 20K TZS

Satoshi Stores

Discover businesses across Tanzania that accept Bitcoin. Spend your sats in the real world.

Find Stores

Lightning Payments

Pay at any Lightning-enabled merchant worldwide. Instant, borderless, nearly free.

Lightning · On-chain

Community

Join the movement.

Connect with Bitcoin users and businesses across Tanzania.