Everything you need to know about how we work, Bitcoin, and Lightning — all in one place.
Lightning Payments
Send Money in Seconds ⚡
How ChapSmart moves Bitcoin to M-Pesa instantly
1
Enter Recipient Details
Enter the mobile money number, amount in TZS, and recipient name. ChapSmart calculates the exact sats amount instantly.
2
Pay the Lightning Invoice
A Lightning invoice is generated. Pay it with any Lightning wallet — Wallet of Satoshi, Alby, Phoenix, BlueWallet, or Fedi.
3
Money Delivered
Once payment confirms, ChapSmart converts to TZS and delivers directly to the recipient's M-Pesa. Usually under 60 seconds.
On-Chain
Bitcoin On-Chain Payments
For larger amounts or when you prefer the main network
1
Send BTC to Our Address
We generate a unique Bitcoin address for your transaction. Send BTC from any wallet.
2
Wait for 1 Confirmation
On-chain payments need 1 confirmation (usually 10–60 minutes).
3
M-Pesa Delivered
Funds are converted to TZS and sent to the recipient's mobile money account.
Airtime
Bitcoin → Airtime Top-Up
Buy airtime for any Tanzanian mobile number
Instant Top-Up
Enter a phone number, pick the TZS amount, pay the Lightning invoice, and airtime is delivered in seconds. Works for all major Tanzanian networks.
Coming Soon
USDT Payments
Stablecoin transfers for those who want to avoid volatility
USDT → TZS
Send USDT (Tether) on supported networks, and the recipient receives the equivalent in Tanzanian Shillings. Coming soon.
The Basics
What is Bitcoin?
A quick explainer for beginners
Decentralized Money
Bitcoin is a digital currency running on a global peer-to-peer network. It allows anyone to send money worldwide without banks or middlemen. No government or company controls it.
Satoshis (sats)
One Bitcoin = 100,000,000 Satoshis ("sats"). ChapSmart uses sats for flexible, low-fee payments — perfect for everyday transfers and micro-payments.
Lightning Network ⚡
A second-layer network on top of Bitcoin enabling instant, near-zero-fee payments. ChapSmart leverages Lightning for fast cross-border transactions.
Why Bitcoin
Why ChapSmart Uses Bitcoin
The advantages that make it perfect for remittances
Borderless & Censorship-Resistant
Bitcoin works 24/7, across every country, with no bank holidays or blocked corridors. No one can freeze your money.
Secure & Transparent
Protected by the world's strongest blockchain network. Every transaction is verifiable, immutable, and final once confirmed.
Inclusive
Anyone with a smartphone can participate. No bank account, credit score, or ID required to hold and use Bitcoin.
Get Started
Getting Your First Sats
Two easy paths to fund your wallet
Step 1: Get a Lightning Wallet
Download a Lightning-compatible wallet like Wallet of Satoshi, Phoenix, or BlueWallet. These are free and available on iOS and Android.
Step 2: Buy BTC on an Exchange
Purchase BTC on Binance or OKX: create account → verify → buy BTC → withdraw to your Lightning wallet. Then use ChapSmart instantly.
Or: Buy Sats on ChapSmart
Already in Tanzania? Use our Buy Sats feature — pay with M-Pesa and receive sats directly in your Lightning wallet. No exchange needed.
Best Practices
Security & Safety Tips
Keep your Bitcoin and transactions safe
Double-Check Recipient Numbers
Always verify the M-Pesa number and recipient name before confirming. Transactions are final once completed — there's no undo button.
Use a Reputable Wallet
Stick to well-known Lightning wallets like Wallet of Satoshi, Phoenix, BlueWallet, or Alby. Avoid unknown apps asking for your seed phrase.
Protect Your Seed Phrase
Your seed phrase is the master key to your wallet. Write it on paper and store offline. Never share it with anyone — not even ChapSmart will ask for it.
Anonymous by Design
ChapSmart uses 16-digit anonymous account numbers. No email, phone, or personal data required. Your financial privacy is our priority.
Non-Custodial Infrastructure
ChapSmart runs a self-hosted node — no third-party custodians. Your payments flow directly through our sovereign Lightning infrastructure.