TNM Mpamba

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TNM Mpamba is Malawi's mobile-money service from TNM, connecting phone-based funds with transfers and digital payments. Agents provide cash access and liquidity, while bank connections and merchant acceptance let users move between a wallet balance, everyday spending and cash.

Use cases:
Initiation:
Users
2.3M
Markets
1
TPV
$736M
Transactions
79M

Estimated Monthly Usage, Aurato Research, November 2026

Historical trends

Capabilities

Stored value and cash can fund merchant purchases. Agent deposits and withdrawals link the wallet to physical money, while bank connections extend access; detailed refund, authentication and unattended-debit support remain unconfirmed.

Markets

Schemes

PSPs

No PSP implementations have been mapped for this method yet.

Compliance

Standards