Individuals

Your money. Your world.

IRU Wallet simplifies money management with secure transfers, digital payments, currency exchange, and expense tracking.

Send and receive

Users and payment networks

Mobile money

MTN MoMo and Airtel Money

Multi-currency

RWF, USD, KES, UGX

Identity checks

KYC and fraud prevention

Money tools for everyday use

Transfers, mobile money, currencies, and bulk payments. Bulk payments and other services depend on supported payment integrations.

Transfers

Send and receive

Move funds between IRU Wallet users and supported payment networks.

  • Person to person
  • Supported networks
  • Instant IRU to IRU
Learn more
Cash in and out

Mobile money and banks

Deposit and withdraw through MTN MoMo, Airtel Money, and participating banks, subject to availability.

  • MTN MoMo
  • Airtel Money
  • Participating banks
Learn more
Balances

Multi-currency

Hold and manage RWF, USD, KES, UGX, and other supported currencies.

  • RWF
  • USD, KES, UGX
  • Fees shown before you confirm
Learn more
Business

Bulk payments

Pay many recipients at once for salaries, allowances, suppliers, commissions, and agent disbursements.

  • Recipient uploads
  • Preview and approval
  • Status and reports
Learn more
Workflow

How IRU Wallet Works

Create an account, add funds, then send, exchange, and track. Business payments and loans use the same account.

01

Create an Account

Sign up, set a secure password, and verify your identity with KYC to unlock full access.

02

Add Funds

Top up with MTN MoMo, Airtel Money, or a bank transfer, or receive money from another IRU Wallet user. Availability depends on supported integrations.

03

Send, Exchange & Track

Send money, exchange RWF, USD, KES, and UGX, and follow spending with budgets and insights.

04

Pay Teams, Then Borrow

Businesses use bulk payments for salaries and suppliers. IRU Loans covers applications, repayment schedules, and transparent terms.