Nothing to install.
Onboarding, KYC and payments run entirely in a WhatsApp chat — in Darija, French or English.
Send to anyone.
Open-loop from day one — transfers reach any bank account or m-wallet on Morocco’s interoperable rail. Not a closed club.
Built like payment infrastructure.
Accounts held by a Bank Al-Maghrib-licensed payment partner. Card top-ups run 3-D Secure — card details never touch the chat.
Three prices: 0%, 0%, 2%.
Free where the counter makes its margin. One flat price where you actually send.
Photo or catalog, verified at the source, receipt in the chat. Free when paid from balance.
At any CircleCash ATM. No counter, no charge, no closing time.
Flat, to any bank or m-wallet. Counters charge 1–9%, tiered against small amounts.
Start with a bill. End with a wallet.
Pay a bill.
Snap a photo or pick your biller in the chat. We verify the real amount due — not the printed figure.
Pay from balance.
Open your wallet in the same conversation — KYC takes a few messages. Bills paid from balance are free.
Top up in cash.
Cash-in and cash-out at CircleCash ATMs, free. The machines never close.
Send money.
Reach any bank or m-wallet in Morocco at a flat 2%. The receipt lands back in the chat.
Money doesn’t keep shop hours.
Counters break at midday, shut by 9pm and take Friday or Sunday off. A machine doesn’t.
→ A machine takes no commission, no lunch break and no Friday off.
Real product, real billers, in Darija.
Verified at the source. The amount due is confirmed with the biller — never read off the printed figure.
A receipt that counts. Every payment returns a numbered PDF straight into the chat.
A reminder that thinks of you. An optional monthly nudge before the due date.