Questions about Sika.
Sika is not open on this site yet. These answers describe the product. Where a flow is not live here, the answer says so.
Blocksfinity Help
Saved answers to common questions
Akwaaba. Sika is not open on this site yet. Pick a question below and I'll show you the answer.
Every question
Safety & money
Who holds your money, and what happens if something goes wrong.
- Does Blocksfinity hold my money?
- No. Blocksfinity is non-custodial. Your keys stay with you. When the app is open you connect Sika Authenticator and sign every payment yourself. We cannot move your money for you.
- Is Blocksfinity a bank?
- No. Blocksfinity is a non-custodial wallet, not a bank or a deposit-taking institution. Your balance is held on-chain under keys you control, not as a deposit with us.
- What if I lose my phone?
- When you have a Sika account, it is recoverable without a custodial reset. You can rebind a synced passkey on a new device, sign in with a wallet that still controls the account, or use your offline owner or backup key. There is no account to recover on this waitlist.
- Can Blocksfinity freeze or reverse my payment?
- No. Because you hold the keys, nobody at Sika can freeze your balance or claw a payment back. The same rule protects you and binds you: once a payment is confirmed on-chain it is final, so check the recipient before you confirm.
- I sent money to the wrong person. Can I get it back?
- Not automatically. Confirmed payments will be final. When the app is open, Sika shows the recipient, the fee, and the arrival time before you sign. Check then. If you know the recipient, ask them to send it back.
Fees
What you pay to send, receive, and get paid.
- What does it cost to send money to someone?
- Person-to-person sends carry a 0% platform fee. You keep what you send.
- What do businesses pay to accept payments?
- When Sika is open, approved commerce partners use a published list rate: 1.5%, absorbed by the merchant rather than added to the customer's total. This waitlist is not checkout.
Getting started
Installing, signing up, and your first payment.
- How do I get the app on my phone?
- Not yet. This site is the early list, not the wallet. There is no App Store or Play Store listing. Join the list and we'll write when you can add Blocksfinity to your phone.
- Do I need to understand crypto to use it?
- No. When the app is open you send to a name, a QR, or a WhatsApp link, and confirm on a screen modeled after the flows you already use. The blockchain is the plumbing, not the interface.
- What do I need to sign up?
- When Sika opens you will need an account name and Sika Authenticator to hold your keys. Join the early list for first access. Blocksfinity does not take custody of your funds.
- Does it cost anything to open an account?
- No. Opening a wallet will be free, and person-to-person sending carries no platform fee. You cannot open a wallet on this waitlist. Join the early list.
Moving money
Cash-in, cash-out, currencies, and payment links.
- Can I send money with a WhatsApp link?
- Yes, when the app is open. You will share a payment link or QR from the receive screen, then send it on WhatsApp. That flow is not live on this waitlist.
- Can I cash out to Mobile Money?
- Not yet. MoMo cash-in and cash-out are on the roadmap and are not a live rail in Blocksfinity today. We would rather say that plainly than imply it works and leave you stuck.
- Can I hold Ghana cedis in the app?
- A 1:1 Ghana cedi peg (cGHS) and open issuer rails are planned, not live yet. This waitlist is not a wallet. You cannot send, receive, or grow here today.
- How do people pay me?
- When the app is open, people pay you by WhatsApp, QR, wallet name. Show a code in person or share a link, and money lands in your wallet. This site is the early list only.
Groups & business
Susu, cooperatives, churches, and merchants.
- Is there a group wallet for susu or cooperatives?
- Yes. Shared wallets will let several people approve before money moves. That is for churches, susu groups, SMEs, and cooperatives. You cannot open a group wallet on this waitlist.
- How do shared approvals work?
- When group wallets are open, a payment is proposed, then it waits. It only moves once the required members have approved it, so no single person can spend the group's money alone.
- I run a business. Can I accept payments?
- Yes, through the partner programme when Sika is open. Approved partners get checkout, payment intents, and API keys, at the published 1.5% merchant-absorbed rate. This waitlist is not the partner portal.
Ghana & languages
Where Sika works and what it speaks.
- What languages does it speak?
- 5: English, Twi, Ga, Ewe, Hausa. Real translations reviewed by native speakers, not machine copy.
- Where is Sika available?
- Ghana first, then West Africa. Ghana is the first market. This site is the early list. The public wallet is not open here yet.
- What does “Sika” mean?
- Sika is the Twi word for gold, and for money. The cowrie in our mark is West Africa's older money, the thing people trusted and carried long before banks.
Still stuck? Read how we handle your details, or join the early list and we'll write back.