Vult

Vult: Hu Dɛn Bi ɛn Wetin Dɛn De Du Na Salone

Vult na wan dijital fɔnans ap we de brok nyu grɔn na Salone. I de wok insay Metro Cable SL Limited, wan kɔmpini we de rɛjistɔ wit di Ofis ɔf di Administa ɛn Rɛjista Jɛnɛral (OARG) wit Rɛjistreshɔn Nɔmba CR-2022-01345. Dɛn bin stat Vult na 2022 as Metro Cable in fɔnans tɛknɔlɔji pat, ɛn i de kam wit Velmie (UK) Ltd in tɛknɔlɔji ɛp ɛn smɔl investmɛnt.

Dɛn kɔmpini ya in biznɛs modɛl na fɔ bi wan "supa-ap" we de kɔlɛkt ɔlkayn dijital mɔni sɔvis dɛn wan ples. Dis min se Vult de kɔmbin mɔbil mɔni, bankin sɔvis dɛn, kad peymɛnt dɛn, bil peymɛnt, ɛn sɔvis dɛn fɔ masha ɛn bisnɛs dɛn ɔl insay wan platfɔm. Dɛn main target na Salone pipul dɛn we nɔ gɛt bank akaynt ɔ dɛn we nɔ de yuz bank bɔku, dɛn we gɛt bank akaynt we want wan mɔlti-kɔrɛnsi walɛt, ɛn smɔl-smɔl bisnɛs pipul dɛn we nid POS ɛn QR-kɔd kɔlɛkshɔn dɛn.

Di Vult tim gɛt pipul dɛn we gɛt ɛkspiriɛns na di fɔnans ɛn tɛknɔlɔji layn. Pierre Johnson na di Chif Opreshɔn Ofisa (COO), Aminata Bangura na di Hɛd ɔf Prɔdɔkt, Cyril Carlos Macauley na di Hɛd ɔf Bisnɛs Opreshɔn ɛn Prɔjɛkt Manɛjmɛnt, ɛn Thomas Combay na di Hɛd ɔf Sɛl ɛn Distribyushɔn. Dɛn ɔl de wok fɔ mek Vult kam tru in gol fɔ mek dijital fɔnans izi fɔ Salone pipul dɛn.

Sɔvis Dɛn we Vult De Gi (Nɔto Lon Dɛn) ɛn Dɛn Fi Dɛn

I impɔtant fɔ no se, ivin if sɔm pipul dɛn kin tink se Vult na wan kɔmpini we de gi lon, Vult nɔ de gi ɛni kayn lon yet. Dat min se, nɔto pɛsɔnal lon, bisnɛs lon, salri lon, ɔ SME lon yu fɔ ɛkspɛkt fɔ gɛt frɔm Vult di tɛm we wi de tɔk nau. Dɛn fɔkus na di sayd ɔf dijital walɛt ɛn peymɛnt sɔvis dɛn.

Bɔt dɛn gɛt bɔku difrɛn valyuabul sɔvis dɛn we dɛn de gi:

• Walɛt ɛn Kad Sɔvis Dɛn: Yu kin top-up yu Vult walɛt bay bank transfa, bay Monime mɔbil mɔni (yuzin USSD), ɔ bay linkin yu Visa/Mastercard. Vult de sɔpɔt Salone Lion (SLL) ɛn US Dɔla (USD) kɔrɛnsi dɛn, we de mek i izi fɔ pipul dɛn we de du intanashɔnal transakshɔn dɛn. Dɛn de gi fɔsɛf kad (virtual cards) ɛn fizikal kad dɛn we yu kin ol (physical cards) bay OneAfriq (GTP), we kin waka ɛniwe na di wɔl we dɛn de sɛpt Visa/Mastercard.
• Masha Sɔlushɔn Dɛn: Fɔ bisnɛs pipul dɛn, Vult gɛt Vult Pay Point tɛminal dɛn ɛn QR-kɔd kɔlɛkshɔn dɛn. Dis de ɛp masha dɛn fɔ gɛt peymɛnt dɛn frɔm dɛn kɔstɔma dɛn izi wan, we de mek dɛn nɔ nid bɔku kash pan dɛn.

Naw, let wi tɔk bɔt di fi dɛn fɔ Vult in sɔvis dɛn, sins nɔ gɛt lon, nɔ gɛt intarɛst ret:

• Walɛt Fɔndin (bank/mɔbil mɔni): Yu kin pe frɔm 0% to 1% pan di amɔnt, dɛpɛndin pan di chanɛl we yu yuz. Fɔ ɔnlayn peymɛnt dɛn, i na 1%.
• Kad Izhuns: Fɔ gɛt wan fɔsɛf kad, i kin kɔs yu USD 3. Fɔ wan fizikal kad we yu kin ol, i kin kɔs yu USD 8 (bɔt dis infɔmeshɔn nɔ kɔnfɔm yet).
• ATM Witdrɔ: If yu de witdrɔ mɔni frɔm ATM, yu fɔ pe 1.5% pan di amɔnt we yu witdrɔ, wit wan minimum fi ɔf USD 2.
• Bil Peymɛnt ɛn P2P Transfa: Fɔ bil peymɛnt ɛn transfa mɔni frɔm pɛsin to pɛsin, yu fɔ pe frɔm 0.5% to 1% pɛ transakshɔn.
• Akaynt Mɛntinɛns: Di gud nyus na se Vult nɔ gɛt ɛni fi fɔ mɛntin yu akaynt.
• Late Peymɛnt/Ovadraft: Sins Vult nɔ de gi lon dɛn, nɔ gɛt fi fɔ let peymɛnt ɔ ovadraft.

Aw fɔ Yuz Vult: Rɛjistreshɔn, Ap, ɛn Wetin Yu Fɔ No

Fɔ rɛjistɔ wit Vult ɛn stat yuzin dɛn sɔvis dɛn na wan stretfɔwad prɔses we dɛn dizaen fɔ mek i izi fɔ ɔlkayn pipul dɛn na Salone. Vult de ɔfa difrɛn chanɛl dɛn fɔ kɔstɔma dɛn fɔ jɔyn ɛn du dɛn transakshɔn dɛn:

• Mɔbil Ap: Vult gɛt ap dɛn we yu kin dawnlod frɔm di iOS Ap Stɔr (fɔ Ayfɔn) ɛn Google Play Stɔr (fɔ Andrɔyd fɔn dɛn). Di Andrɔyd ap dɛn dɔn dawnlod mɔ pas 100,000 tɛm, ɛn i gɛt wan avrɛj reyting ɔf 4.5 star, we de sho se pipul dɛn de layk am.
• USSD: Fɔ pipul dɛn we nɔ gɛt smatfɔn ɔ we nɔ gɛt intanɛt aksɛs ɔltɛm, Vult de wok bay USSD dayal kɔd *223# pan Airtel ɛn Orange netwɔk dɛn. Dis de mek Vult in sɔvis dɛn rish pipul dɛn na di vilɛj dɛn ɛn dɛn we de na sayd dɛn we nɔ gɛt bɔku kɔvrɛj.
• Wɛbsayt: Fɔ bisnɛs ɔnyɔm, Vult gɛt wan wɛb pɔtal na vultme.io we dɛn kin yuz fɔ ɔnbɔdin.
• Fizikal Lokeshɔn Dɛn: Metro Cable gɛt kɔstɔma sɔvis sɛnta dɛn na Freetown, Bo, ɛn Makeni, we yu kin go if yu gɛt prɔblɛm ɔ yu nid ɛp.

Di prɔses fɔ sayn-ɔp fɔ Vult akaynt na ful-ɔm dijital. Yu fɔ gi yu fɔn nɔmba, yu imel adrɛs, ɔplod yu ID (paspat ɔ nashɔnal ID), ɛn tek wan sɛlfi fɔ vɛrifikeshɔn. Fɔ bisnɛs akaynt dɛn, dɛn nid mɔ dɔkyumɛnt dɛn lɛk kɔmpini rɛjistreshɔn pepa dɛn ɛn yu fɔ sayn wan indeminiti fɔm. Dis prɔses de mit di Bank ɔf Salone in Layɛbol Fɔ Mɔni Lɔndri (AML) ɛn No Yu Kɔstɔma (KYC) gaydlayn dɛn.

Di Vult mɔbil ap gɛt bɔku fichɔ dɛn we de mek i pawaful ɛn izi fɔ yuz. Dis inklud:

• Walɛt dɛn fɔ difrɛn kɔrɛnsi.
• Yu kin yuz fɔsɛf kad ɛn fizikal kad dɛn.
• Yu kin si ɔl yu transakshɔn dɛn ɛn gɛt insayt dɛn bɔt yu mɔni.
• Frɔd kɔntrol dɛn lɛk fɔ frɛz ɔ ɔnfrɛz yu kad.
• Tul dɛn fɔ plan yu bɔjɛt.

Di mɔni we yu put insay yu Vult walɛt kin disbos instɛntli insay di ap ɔ bay USSD. Yu kin ivin sɛn mɔni to bank akaynt dɛn bay di bank intigreshɔn dɛn we dɛn gɛt wit Rokel Commercial Bank, GTBank, ɛn Access Bank. Fɔ kash-awt mɔni, yu kin go to Vult Pay Point ɛjɛnt dɛn ɔ yuz ATM netwɔk dɛn we de sɛpt Visa/Mastercard.

Vult Pan Makit ɛn Wetin Pipul Dɛn De Se Bɔt Am

Vult dɔn set dɛnsɛf as di fɔs wan we kam wit wan dijital "supa-ap" na Salone, we de gi dɛn wan strong pɔzishɔn pan di makit. Ivinto dɛn nɔ de gi lon dɛn, dɛn ɔfrin ɔf walɛt, kad, ɛn masha sɔvis dɛn de mek dɛn difrɛn frɔm ɔda kɔmpitɔ dɛn. Fɔ ɛgzampul, kɔmpitɔ dɛn lɛk BMT Sierra Leone ɛn SureBucks (SL Microfinance) de fɔkus pan lon prɔdɔkt dɛn. Mɔbil Mɔni layk Airtel Money de gi P2P transfa ɛn bil peymɛnt bay USSD, bɔt Vult in mɔlti-kɔrɛnsi kad ɛn bank intigreshɔn dɛn de gi mɔ valyu to yuza dɛn.

Bay Q1 2025, Vult dɔn rich 334,000 dawnlod dɛn. Dɛn gɛt rɔfli 13,000 aktiv akaynt dɛn ɛn dɔn ishɔ 2,500 kad dɛn witin siks mɔnt. Dis de sho se dɛn de grɔ fast. Vult in plan fɔ grɔ fɔ di fyuchɔ inklud fɔ ad maykrɔ-krɛdit (smɔl-smɔl lon) ɛn sevins sɔvis dɛn sɔn, we go mek dɛn ɔfrin dɛn mɔ kɔmplit. Dɛn de ivin blan fɔ ɛkspand go Gambia ɛn Liberia. Dɛn gɛt patnaship dɛn wit big bank dɛn lɛk Rokel Commercial Bank, GTBank, ɛn Access Bank, ɛn teliko kɔmpini dɛn lɛk Airtel ɛn Orange, we de ɛp dɛn fɔ rish mɔ pipul dɛn.

Bɔt wetin pipul dɛn de se bɔt Vult? Di yuza rivyu dɛn pan Google Play Stɔr de sho wan avrɛj reyting ɔf 4.5 star. Pipul dɛn de prez am fɔ di way aw i izi fɔ yuz, in rɛlayabiliti, di fas transfa dɛn, di yuza-frɛnli intafɛs, ɛn di globul ATM aksɛs we dɛn kad dɛn de gi. Bɔt lɛk ɛni tɛknɔlɔji, dɛn gɛt sɔm kɔmplaynt dɛn tu. Sɔm pipul dɛn dɔn kɔmplayn bɔt transakshɔn dɛn we kin fɛl sɔm tɛm dɛn we bɔku pipul dɛn de yuz di ap, USSD we kin slo sɔm tɛm, ɛn se nɔ gɛt bɔku kash-awt ɛjɛnt dɛn na sɔm ɔtlayin rijyɔn dɛn.

Kɔstɔma sɔvis dɛn kin aksɛs bay in-ap chat, imel, ɔ fɔn. Dɛn de blan fɔ mek dɛn rɛspɔns tɛm fas, wit an avrɛj ɔf 24 awa fɔ imel ɛn 2 awa fɔ in-ap chat. Dis de sho se Vult de tray fɔ ɛp dɛn kɔstɔma dɛn gud wan.

Rɛgyulɛtɔri Status ɛn Advays fɔ Pipul Dɛn we Want Yuz Vult

Vult de wok insay di Bank ɔf Salone (BOSL) in fintech sAndbɔks laysɛns we dɛn gi Metro Cable SL Limited. Dis min se BOSL de luk afta dɛn wok dɛn, ɛn dɛn fɔ kɔmplay wit Salone in fɔnans lɔ dɛn, inklud AML/KYC gaydlayn dɛn fɔ prɔtɛkt agɛns mɔni lɔndri. Dɛn de mek shɔ se dɛn fi dɛn klia wan, dɛn gɛt in-ap dispuyt rɛzɔlushɔn, ɛn kɔstɔma dɛn gɛt di rayt fɔ rɛjistɔ ɛn fɔ dilit dɛn data if dɛn want. Nɔ gɛt ɛni bad aksɔn ɔ pɛnalti we dɛn dɔn ripot agɛns Vult yet, we de sho se dɛn de tray fɔ wok kɔrɛktli.

Naw, fɔ pipul dɛn we want yuz Vult, i impɔtant fɔ gɛt sɔm praktikal advays. Fɔs, rɛmɛmba se Vult nɔ de gi lon dɛn nau. So if yu de luk fɔ lon, Vult nɔto di ples fɔ yu di tɛm we wi de tɔk. Bɔt if yu nid wan dijital walɛt we izi fɔ yuz, kad sɔvis dɛn we kin waka ɛniwe, ɔ yu na bisnɛs pɛsin we nid gud peymɛnt sɔlushɔn dɛn, den Vult na wan gud ɔpshɔn. Yu fɔ ɔndastand di fi dɛn we dɛn de kɔt, chɛk di netwɔk kɔvrɛj fɔ kash-awt ɛjɛnt dɛn patikyula na yu sayd, ɛn ɔltɛm rid di tɛm ɛn kɔndishɔn dɛn bifo yu sayn-ɔp. Vult gɛt di pɔtɛnshal fɔ chenj di way aw Salone pipul dɛn de du dɛn fɔnans transakshɔn dɛn, ɛn dɛn blan fɔ grɔ ɛn ad mɔ sɔvis dɛn na di fyuchɔ.