YOUR WALLET,
REIMAGINED FOR
THE COSMOS.
Effortlessly manage, send, and track your
finances in a secure, stellar environment.
See Your Money Clearly
Smart Dashboard
Everything you need to understand your money — clearly, instantly.
Instant P2P
Send money instantly using just a phone number — no bank details needed.
Bank Top-Ups
Add money from your bank with full confirmation and tracking.
Safety Built In
Transfers are protected by design — not just checks after the fact.
How Cosmos Works
Get started in three simple steps and take control of your finances today.
Sign Up
Create your account in minutes with our simple and secure registration process.
Add Funds
Easily transfer money from your bank account to your Cosmos wallet.
Start Transacting
Send money, make payments, and track your expenses with ease.
Your Money is Protected - By Design
Security isn't an add-on here. Every transaction is engineered to be correct, auditable, and failure-safe — even under retries, crashes, or concurrent requests.
Transaction-Safe by Design
All transfers run inside database transactions with row-level locking, preventing double spending and partial updates.
Verified Bank Webhooks
Every bank callback is signature-verified, replay-protected, and processed exactly once.
Retry & Replay Safe
Duplicate requests and webhook retries are safely ignored using idempotency and state guards.
Explicit State Machines
Each transaction follows a strict lifecycle. Invalid or out-of-order state changes are blocked automatically.
Continuous Reconciliation
Background checks detect stuck, inconsistent, or invalid transactions before they become issues.
Full Audit Visibility
Every state change is logged, traceable, and visible through an internal ops dashboard.
We never share your financial data without your permission. Your privacy is our priority.
We're Here to Help
Have a question or need assistance? Send us a message and we'll get back to you within 24 hours.
Send us a Message
We typically respond within 24 hours