Financial technology and social media companies founded in 2016 to transform community banking and global transactions through social ownership and AI. We integrate a secure digital wallet, an AI-powered advertising network, and a members-only share trading platform (bcbank.se).

We are seeking $65M to acquire a Tier-1 banking license to operate a fully regulated digital bank globally, offering loans, savings, and investment products. This will enable us to accept deposits, issue cards, and build a comprehensive financial ecosystem.

Class C shares represent 50% ownership of Cash Chat Limited. They are traded exclusively among verified users and agents on the private exchange bcbank.se. The share price is algorithmically adjusted based on company KPIs (user growth, revenue, agent network expansion). Only members who have completed the 11-step wallet verification can participate.

Ad Agents are community members who sell advertising space on the Cash Chat platform to local businesses. They earn a 20% commission on every deal they secure. The AI helps them identify leads, optimize campaigns, and generate reports. Over 200,000 agents are already active worldwide.

The wallet uses military-grade AES-256 encryption, biometric two-factor authentication, and AI-driven fraud detection. Funds are stored in a combination of cold storage (offline) and regulated partner banks. Each transaction requires a 6-digit PIN and is monitored for anomalies in real time.

Over the next year we will: (1) Complete the $65M fundraise for the banking license, (2) Expand the Class C share trading platform to all verified members, (3) Launch the AI Cloud business suite for merchants, and (4) Open regional hubs in Asia and Europe. We aim to double our agent network to 500k.

The 11-step ritual is your application to history:
1. Portal (cashchatbank.com) – the coordinates of your future.
2. Declaration of Self – names exactly as on ID, binding digital to legal identity.
3. Valid email – your lifeline and notification hub.
4. Select Country – anchor in jurisdiction.
5. Mobile number (2FA root) – the bedrock of account security.
6-7. Create & confirm 6-digit PIN – your sovereign key, cryptographic proof.
8. Sponsor code – thread of community, activates affiliate reward.
9. Accept terms & Signup – signature on the covenant.
10. Login (email + PIN) – first act of sovereignty.
11. $20 subscription – “skin in the game”, filters out the unserious.
+ Ad Agent contract – your commissioning as a builder.

The sponsor code connects you to the community. If someone referred you, you enter their code; this activates a $12 affiliate reward for them. It creates a traceable lineage within the network and acknowledges the community-powered growth model. You can also earn by sharing your own sponsor code after wallet creation.

The $20 is not a payment – it's a ritual deposit. It is tangible proof of your belief and commitment, filtering out bad actors and protecting the network from Sybil attacks. This one-time fee unlocks your right to invest in Class C shares, become an Ad Agent, and participate fully in the Cash Chat economy. It is your ante into the game of ownership.

Cash Chat operates as a hybrid fintech-social platform where users can:
- Save & Invest in government bonds via partner institutions.
- Send & Receive Money via wallet-to-wallet transfers or mobile money (MTN, M-Pesa).
- Earn from Ads as an Ads Agent or content creator.
- Trade Unlisted Shares (600,000 available) within the community.
- Refer & Earn through the user acquisition program.

The Cash Chat Wallet is a digital wallet that allows:
- Instant peer-to-peer (P2P) transfers globally.
- Mobile money deposits/withdrawals (MTN, M-Pesa).
- Investment deposits & dividend payouts.
- Payment requests (for businesses, landlords, schools, etc.).

You can fund your wallet via:
- Mobile Money (MTN/M-Pesa) – Use the deposit button in the app.
- Wallet Agents – Visit an authorized agent for cash-to-wallet reloads.
- Earnings – From Ads, referrals, dividends, or share sales.

Follow these steps:
- Open your wallet and type “Start”, then send.
- Type “1” (for transactions) and send.
- Type “8” to request your Wallet PIN (sent to your email).
- Type “Start”, then “1” again.
- Type “3” (for withdrawals).
- Select “1” for MTN or “2” for M-Pesa.
- Enter the recipient’s number (without country code, e.g., 256…).
- Enter the amount and send.
- Enter a reason (optional).
- Paste the Wallet PIN from your email and send.
→ Funds arrive instantly.

Yes! You can request payments from any MTN or M-Pesa user in East Africa:
- Open wallet, type “Start”, then send.
- Type “1”, then send.
- Type “3”, then send.
- Select “1” (MTN) or “2” (M-Pesa).
- Enter the client’s number (without +).
- Enter the amount and send.
→ The client approves via their mobile money PIN, and you receive funds instantly (+3.5% fee).

Cash Chat partners with investment firms dealing in government bonds, offering:
- Minimum 15% annual returns on savings.
- Interest paid directly into your Cash Chat Wallet.
- Secure, low-risk investments (backed by government securities).

Deposit funds into your Cash Chat Wallet. Navigate to the “Investments” section. Select a bond investment plan. Confirm the amount and lock-in period. → Returns are credited annually.

A network of 200,000 Ads Agents who:
- Upload & distribute ads on Cash Chat and other platforms.
- Earn 20% commission from ad revenue.
- Sell ad packages to businesses:
  12 Months: $3,000/ad
  4 Months: $1,000/ad
  Monthly: $300/ad

Login your Cash Chat Wallet and Click on Pay Subscription to verify your account. Select Ads Agent via My Account and upload the required info. (Send a screenshot to WhatsApp +256775036603 for quick approval or wait). You will receive access details to the Company’s back office. Access the Back Office to upload ads. Start selling ad packages to brands.

You earn for every verified member you refer:
- Uganda: UGX 50,000 (after member pays UGX 75,000 fee).
- Kenya: KES 1,000 (after member pays KES 1,550 fee).
- Other Countries: $12 (after member pays $20 fee).

Sign up as a Community Builder via any API Link provided by a verified Member. Share your referral link. Earn instantly when referred members pay fees.

600,000 shares tradable only among verified members. Dividends paid directly to your wallet. Shares can only be bought using wallet balance.

Fund your wallet. Go to the “Trading Platform” section. Browse available shares and place orders.

Yes! Wallet transactions are secured & insured. Agents must buy a guarantee cover ($250 / UGX 1M / KES 25K).