About
Gozem Money is the e-wallet inside Gozem, the super app founded in Togo in 2018 for ride-hailing, delivery and vehicle financing, and it officially entered service in Togo on 7 October 2025. It is not telco mobile money: NSIA Banque Togo, a branch of NSIA Banque Benin, is the partner bank and e-money issuer under BCEAO rules. Users fund the wallet through Gozem agents or from a bank account, then pay bills, buy online and send money, including to other mobile money services. The service builds on Beninese fintech Moneex, which Gozem bought in November 2023, and competes with Flooz and Mix by Yas.
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