Digital Wallet & E-Wallet in Morocco
Offer your users a compliant digital wallet with a dedicated Moroccan IBAN. Chari Money provides the complete infrastructure for digital payment accounts: instant opening with a phone number, real-time balance management, interoperability with the agent network for cash-in/cash-out, and access to all value-added services (subject to Bank Al-Maghrib's approval).
What is it?
A digital wallet is a payment account that lets users store, send and receive money electronically. Unlike traditional bank accounts, wallets can be opened instantly with a phone number and tiered KYC verification. They are connected to physical cash-in/cash-out networks, so users can deposit and withdraw cash at agent points across the country.
Why Chari Money?
Chari Money operates under Bank Al-Maghrib regulation with compliant payment accounts that carry a Moroccan IBAN. Wallets are connected to Chari Money's agent network for cash-in/cash-out and can be linked to Visa cards for POS and online payments internationally. The modular, API-first architecture is designed for expansion into MENA and African markets, with multi-currency support and cross-border interoperability.
How Chari Money addresses this
Chari Money provides white-label wallet and e-wallet infrastructure with compliant payment accounts carrying Moroccan IBANs, fully digital KYC/KYB onboarding, and interoperability with Chari Money's agent network (Chari agents + DamaneCash + ChaabiCash + Tashilat). Wallets support P2P transfers, bill payments, mobile top-ups, Visa card linking and access to value-added services. Going live remains subject to Bank Al-Maghrib's approval, through the granting of principal agent status, and any new use case requires the prior approval of the Banking Supervision Directorate.
Want to collect payments from your own customers?
Are you a business that simply wants to receive its collections in an account in its own name? A ChariPay payment account in Morocco, held by Chari Money, covers that need without a white-label project.
Related services
Payment Accounts & Wallets
Compliant payment accounts & wallets with Moroccan IBANs. Fully digital account opening via phone number with built-in KYC/KYB. Real-time balance, transaction history, and fund management, all accessible via API.
Learn moreAgent Network & CICO
Deploy and operate a cash-in/cash-out network in Morocco. Chari's own agents combined with DamaneCash, ChaabiCash, and Tashilat partner networks, nationwide coverage with real-time tracking.
Learn moreOnboarding KYC / KYB
Onboard customers in under five minutes, securely and compliantly. Tiered KYC levels (1,000 to 100,000 DH), automated identity verification with document scanning and facial recognition, and full lifecycle management.
Learn moreValue-Added Services
Bill payments, mobile top-ups, digital vouchers, money transfers, and more, managed end-to-end by the platform. Available through the agent network or digitally.
Learn morePayments and Bank Transfers
P2P and P2B transfers by phone number or RIB, automated payouts, all through fast, secure APIs. Built to scale with your activity.
Learn moreCards Issuing & Management
Issue branded Visa cards, physical and virtual, with a fully in-house Card Management System. Full lifecycle control: activation, limits, contactless, ATM, online. Visa Associate License with dedicated BINs.
Learn moreUse cases
Mobile money
Launch a mobile money service with instant account opening, agent-based cash-in/cash-out, and value-added services (subject to Bank Al-Maghrib's approval).
Digital wallet apps
Offer a digital wallet experience with wallets, cards, and transfers, all branded to your identity.
Financial inclusion
Bring financial services to underbanked populations through e-wallets accessible via basic smartphones.
Employee benefits
Issue digital wallets to employees for expense management, meal vouchers or salaries.
Marketplace payouts
Pay sellers and couriers through wallets, with instant settlement and real-time balance visibility.
Regulatory note — Any partner wishing to use Chari Money's financial services on a white-label basis must be approved by Bank Al-Maghrib, through the granting of principal agent status. Launching any new use case requires the prior approval of the Banking Supervision Directorate.
Frequently asked questions
A digital wallet (or e-wallet) is an electronic payment account where users can store, send and receive money. It can be opened with a phone number and KYC verification, and connected to physical agent networks for cash-in/cash-out.
Yes. Each payment account created through Chari Money is assigned a dedicated Moroccan IBAN, enabling domestic transfers and interbank interoperability.
Yes. Wallets are connected to Chari Money's agent network, Chari agents plus DamaneCash, ChaabiCash, and Tashilat partner networks, enabling nationwide cash-in/cash-out.
Yes. Chari Money wallets can be linked to Visa cards, physical and virtual, issued under its Visa Associate licence. Wallet funds are instantly available for card purchases in store and online.
Wallets support P2P transfers, bill payments, mobile top-ups, digital vouchers, money transfers, insurance and e-government service payments.
See also
E-Wallet Solutions in Morocco
Launch or integrate e-wallet solutions in Morocco (subject to Bank Al-Maghrib's approval). White-label wallets, Moroccan IBANs, agent network cash-in/cash-out, Visa card linking. Chari Money fintech infrastructure platform
M-Wallet in Morocco
M-wallet (mobile wallet) in Morocco: mobile payments, QR code, P2P transfers, agent cash-in. Launch your white-label m-wallet with Chari Money (subject to Bank Al-Maghrib's approval). BAM compliant
Cash-In Cash-Out (CICO) in Morocco
A cash-in/cash-out network with nationwide coverage in Morocco. Chari agents + DamaneCash + ChaabiCash + Tashilat. Real-time tracking, agent onboarding, and value-added services