The gap Amarah fills
Until now, investing in US stocks from Cameroon required a US bank account, an international credit card, or complex wire transfer arrangements. Most global investment apps reject African phone numbers during sign-up.
Amarah replaces all of that with the one financial tool already in every pocket: Mobile Money.
How a deposit works
Open Amarah and choose your deposit amount (minimum 5,000 XAF). Confirm with your MTN MoMo or Orange Money PIN, the same way you pay for any mobile service. The funds arrive in your Amarah account in seconds.
Amarah converts your XAF to USD at the live market rate, minus a conversion margin, and then deducts the deposit fee. You see the exact USD amount that will be credited to your account before confirming.
Buying stocks
Once your account is funded, search for any stock or ETF by name or ticker symbol. Enter the XAF amount you want to invest, Amarah calculates the exact fraction of a share this buys at the current market price.
Confirm the order. Amarah sends it to our US partner broker, a FINRA member registered with the SEC, which executes it. The trade typically executes within seconds during US market hours (2:30 PM to 9 PM in Cameroon for most of the year, 3:30 PM to 10 PM in winter, Monday to Friday).
Withdrawing your money
To withdraw, select your desired amount in your Amarah portfolio and confirm. Amarah converts your USD holdings back to XAF at the current market rate and sends the funds directly to your MTN MoMo or Orange Money number.
Withdrawals are processed within 3 to 5 business days, within the per-withdrawal and daily limits shown in the app.
What does it cost?
Every fee is shown in the app before you confirm. There is no monthly subscription and no minimum balance. Rates shown on our website in October 2026 (they may vary by Mobile Money operator):
- Deposit via Mobile Money: 3.5% of the deposit amount
- Trade commission: 2% per buy or sell order, with a $0.15 minimum per order
- Currency conversion (XAF to USD on deposit, USD to XAF on withdrawal): a 2% margin on the market rate
- Withdrawal to Mobile Money: 2.5% of the withdrawal amount
- Monthly subscription: none
- Minimum balance: none
◆ Amarah
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