IZAAPA
South Africa's Gamified Finance Platform

BUY
UGESI
NOW.
PAY
LATER.

Electricity. Airtime. Cash advances. Business loans. Collateral loans. All on iZaapa — with an XP system that rewards every responsible move you make.

Download on Google Play Explore Products
Electricity
Airtime
Cash Advance
Business Loans
Collateral Loans
WhatsApp
HUSTLER
THABO MOLEFE
MEMBER SINCE JAN 2026
Advance
R3K
Interest
0%
XP
2,840
Progress to Elite2,840 / 5,000
BUY UGESI NOW Pay Later · Small Fee Applies AIRTIME All Networks · No Cash Needed CASH ADVANCES Up to R5,000 at Elite Tier BUSINESS LOANS Capital for SA SMEs COLLATERAL LOANS Courier Collects · We Hold · Return On Repayment WHATSAPP Full Platform via WhatsApp XP SYSTEM Earn On Every Responsible Action FSP 51928 NCRCP16688 · ZUVA WEALTH BUY UGESI NOW Pay Later · Small Fee Applies AIRTIME All Networks · No Cash Needed CASH ADVANCES Up to R5,000 at Elite Tier BUSINESS LOANS Capital for SA SMEs COLLATERAL LOANS Courier Collects · We Hold · Return On Repayment WHATSAPP Full Platform via WhatsApp XP SYSTEM Earn On Every Responsible Action FSP 51928 NCRCP16688 · ZUVA WEALTH
How It Works
MEMBER OR NOT,
WE HAVE YOU.
MEMBERS
R100 / MONTH
→ Buy electricity — pay later
→ Buy airtime & data — pay later
→ Cash advances at 0% interest
→ Business loans (Hustler tier+)
→ Personal loans (Player tier+)
→ Collateral loans
→ XP system & tier rewards
→ Full WhatsApp access
→ Exclusive deals & offers
Become a Member
NON-MEMBERS
NO MEMBERSHIP NEEDED
→ Collateral loans — open to all
Electricity & airtime (members only)
Cash advances (members only)
Business loans (members only)
XP system & tier rewards (members only)
Tip: Get a collateral loan first — then use that capital to activate your membership and unlock the full platform.
Every Product
ONE
PLATFORM.
BUY UGESI NOW.
Buy prepaid electricity tonight as a member. Token delivered in seconds. Pay at month end — small service fee applies. Keep the lights on tonight.
Members Only · R100/month
R250.00
LAST UGESI PURCHASE · PAID ON TIME
AIRTIME
& DATA
All networks. Top up, pay later. Small fee applies.
Members Only · All Networks
CASH
ADVANCE
0% interest. R500 to R5,000.
Members Only · R100/month
BUSINESS
LOANS
Capital for SA entrepreneurs and SMEs.
Members Only · Hustler+ Tier
COLLATERAL
LOANS
Your valuables unlock capital. Courier collects, we hold, return on repayment.
Open to Non-Members
PERSONAL
LOANS
Larger sums. Player tier and above.
Members Only · Player+ Tier
XP
REWARDS
Earn on every responsible action — every product, every payment, every referral.
On-time payment+40 XP
Referral+200 XP
Buy ugesi/airtime+25 XP
Streak bonus+150 XP
Rookie → Elite
REPAY
YOUR WAY
App · WhatsApp · Partner Retailers
+40 XP On Time
BUY
UGESI
NOW.
PAY LATER.

No cash? No problem. Buy prepaid electricity right now via app or WhatsApp. Token delivered in seconds. We send a payment request at month end — small service fee applies.

1
Request on app or WhatsApp
Enter meter number and amount. Eskom, City Power, municipalities.
2
Token delivered in seconds
Prepaid electricity token sent immediately. Load it and you're powered up.
3
Payment request at month end
We send you a payment request for the electricity amount plus a small service fee. Pay via app, WhatsApp, or partner retailer.
4
Earn +40 XP for on-time payment
Every payment pushes you closer to the next tier.
Electricity Token
ACTIVE
8472 1950 3847
50 units · Eskom PrepaidLoaded: Tonight
Payment Due
R250.00
FEE APPLIES
Due: End of May 2026
Pay Your Way
iZaapa App
Pay instantly in-app
+40 XP
WhatsApp
Pay via chat
+40 XP
Partner Retailers
Pay at any partner store
+40 XP
NO MEMBERSHIP REQUIRED
Collateral Loans
YOUR
VALUABLES.
UNLOCK
CAPITAL.

No credit score? No membership? No problem. Collateral loans are open to everyone. Use what you have — a verified courier collects your item, we hold it securely, and return it the moment you repay.

Apply
→
Courier Collects
→
We Hold
→
Loan Issued
→
Item Returned
Accepted Items
Jewellery & Gold
Rings, chains, bracelets
Up to 80% value
Electronics
Phones, tablets, laptops
Market rate
Watches
Premium branded only
Assessed on receipt
Other Valuables
Contact us to check eligibility
Case by case
Courier-to-door service included.
We collect from you. We return to you. No travel needed. Safe, verified, tracked.
Membership Tiers
THE MORE YOU GROW,
THE MORE YOU UNLOCK.
ROOKIE
0 – 999 XP
R500
CASH ADVANCE LIMIT
  • Cash advance at 0% interest
  • Buy ugesi & airtime
  • WhatsApp access
  • Basic XP earning
PLAYER
1,000 – 2,499 XP
R1,500
CASH ADVANCE LIMIT
  • Bigger ugesi & airtime limits
  • Personal loan eligibility
  • 2× XP on referrals
  • Priority deal access
HUSTLER
2,500 – 4,999 XP
R3,000
CASH ADVANCE LIMIT
  • Business loan eligibility
  • 3× XP on referrals
  • Streak bonuses unlocked
  • Exclusive deals
ELITE
5,000+ XP
R5,000
CASH ADVANCE LIMIT
  • Full collateral loan access
  • 5× XP on referrals
  • Priority support
  • VIP deals & Elite badge

R100/MONTH · ALL CREDIT SUBJECT TO NCA ASSESSMENT · FSP 51928 · NCRCP16688

iZ
iZaapa
Financial platform · Online
iZaapaHi! How can I help? 1⃣ Ugesi 2⃣ Airtime 3⃣ Advance 4⃣ XP Check
1
iZaapa Meter number and amount?
12345678 R200
iZaapa Done! Your token:
8472 1950 3847
R200 · Pay end of month · fee applies
Type a message...
Live Activity
MEMBERS
EARNING
RIGHT NOW.
Member Transactions
LIVE
T
Thabo M.
Bought ugesi · 50 units · Eskom
+25 XP
R250
2m ago
S
Sipho K.
Repaid cash advance on time
+40 XP · Streak: 4 months
R1,500
5m ago
N
Nandi N.
Airtime top-up · MTN · R50
+25 XP
R50
8m ago
L
Lerato D.
Referred a friend · Membership active
+200 XP
Referral
12m ago
K
Kuhle B.
Unlocked Hustler tier Limit → R3,000
Tier Upgrade
18m ago
Earn XP
EVERY
ACTION
COUNTS.
XP Earning Breakdown
Timely repayment
Any product, paid on time
+40 XP
Successful referral
Friend activates membership
+200 XP
Buy ugesi or airtime
Per transaction
+25 XP
Active membership
Monthly bonus
+50 XP
Streak bonus
3+ months consecutive
+150 XP
Download
GET
IZAAPA.
GET
GOING.

Android live now. iOS and Huawei coming soon. R100/month. Unlock everything.

Available now on
Google Play
LIVE
Coming soon on
App Store
SOON
Coming soon on
AppGallery
SOON
iZaapa
BUY UGESI NOW · PAY LATER
Ugesi
Airtime
Advance
Business
Collateral
AVAILABLE ADVANCE
R500
Member Stories
REAL PEOPLE.
REAL WINS.
"

"Bought ugesi at midnight when I had nothing in my account. Token came in seconds. Paid at month end, no interest. iZaapa saved the night."

T
Tshepiso Macu
Hustler · Johannesburg
"

"Used the collateral loan for my tuck shop. Courier came, took my watch, sorted my business, got my watch back when I paid. Smooth process."

S
Sipho K.
Elite · Soweto
"

"I do everything on WhatsApp. Ugesi, airtime, check my XP. Haven't opened the app in weeks. It just works exactly where I already am."

N
Nandi Ngwenya
Player · Durban
Questions
GOT
QUESTIONS?

How does buy ugesi now, pay later work?

This is a membership benefit. As an iZaapa member (R100/month), request electricity through the app or WhatsApp with your meter number and amount. Your token is delivered in seconds. At the end of the month we send you a payment request — pay via app, WhatsApp, or at any partner retailer. A small service fee applies on electricity and airtime purchases.

How do collateral loans work?

Collateral loans are available to everyone — no membership required. Apply in the app. We assess your item and make you an offer. A verified courier collects from your door, we hold the item securely, disburse your loan. Once you repay, the courier returns your item in the same condition.

How do I pay back what I owe?

iZaapa sends you a payment request at month end. Pay through the iZaapa app, via WhatsApp, or walk into any of our partner retailers. Every on-time payment earns you +40 XP.

What does R100/month give me?

Full access to all member products — electricity (buy now, pay later), airtime, cash advances, business and personal loan eligibility, XP system, member deals, and WhatsApp. Note: collateral loans are available without membership. No hidden charges. One flat monthly fee.

How does the XP and tier system work?

Every positive action earns XP: on-time payments (+40), referrals (+200), ugesi/airtime (+25), membership (+50), streak bonus (+150). Tiers upgrade automatically — Rookie → Player → Hustler → Elite. Higher tiers mean higher limits on everything.

Is iZaapa a registered financial provider?

Yes. iZaapa is powered by ZUVA WEALTH — Registered FSP 51928, Credit Provider NCRCP16688, Registration K2018435560. All products comply with the NCA, FAIS Act, and South African legislation.
Legal
TERMS &
CONDITIONS
Last updated: January 2026. iZaapa is powered by ZUVA WEALTH · FSP 51928 · NCRCP16688 · K2018435560. All credit subject to NCA affordability assessment and approval.
01

Membership & Platform Access

iZaapa membership costs R100 per month granting full access to all member products including electricity (buy now, pay later), airtime (buy now, pay later), cash advances, business loans, personal loans, XP system, deals, and WhatsApp integration. Non-members may only apply for collateral loans. Membership fee is non-refundable once charged. Cancel anytime via app; takes effect end of current billing period. iZaapa reserves the right to adjust membership fee with 30 days' notice.
02

Electricity & Airtime (Buy Now, Pay Later)

Electricity and airtime are provided on a buy-now-pay-later basis with a small service fee. The purchase amount plus the applicable fee is added to your iZaapa balance. At month end, iZaapa sends a payment request which can be settled via the app, WhatsApp, or at authorised partner retailers. iZaapa is not responsible for token delivery delays caused by utility providers. VAS powered by Electrum and Flash.
03

Cash Advances

Cash advances provided at 0% interest, subject to affordability assessment and approval. Limits: Rookie R500, Player R1,500, Hustler R3,000, Elite R5,000. Repayable at the end of the following calendar month via payment request. Late or failed payments result in XP deductions, potential tier demotion, and may be reported to credit bureaus. iZaapa is a registered Credit Provider (NCRCP16688) compliant with the NCA.
04

Collateral Loans

Collateral loans are available to both members and non-members. They require physical asset submission as security. iZaapa arranges courier collection. Items are held securely for the loan duration. Upon full repayment, items are returned via courier. iZaapa is not liable for pre-existing damage. Failure to repay may result in sale of the collateral item to recover outstanding balance. All terms disclosed at application.
05

Business Loans

Business loans are available to iZaapa members at Hustler tier and above, subject to full business and personal affordability assessment. Membership (R100/month) is required. Terms, interest rates, and repayment schedules disclosed in full at application. All business lending regulated under the NCA.
06

Personal Loans

Personal loans available to Player tier and above, subject to NCA affordability assessment. Interest rate: 7.25% above prime. All costs fully disclosed before acceptance. Powered by ZUVA WEALTH (FSP 51928, NCRCP16688).
07

Payment Collection

At the end of each month, iZaapa sends a payment request for your outstanding balance. Payment can be made via the iZaapa app, WhatsApp, or at any authorised partner retailer. Late or failed payments result in XP deductions, account suspension, and may result in debt collection and credit bureau reporting. Payment gateway: Ozow (primary). VAS: Electrum/Flash.
08

XP System & Tier Progression

XP earned through on-time payments, referrals, active membership, platform usage, and streak bonuses. Tiers: Rookie (0–999), Player (1,000–2,499), Hustler (2,500–4,999), Elite (5,000+). Upgrades automatic. Missed payments cause XP deductions and may demote tier. XP cannot be purchased, transferred, or exchanged for cash.
09

Privacy & POPIA

Personal information processed under POPIA. We collect identity, banking, income, and behavioural data. Data never sold. Shared only as required by law or with approved partners (Ozow, Electrum/Flash) and credit bureaus. Contact support@izaapa.co.za to access, correct, or delete your data.
10

Regulatory Compliance & Liability

iZaapa powered by ZUVA WEALTH — Registered FSP 51928 · Credit Provider NCRCP16688 · Registration K2018435560. All products comply with the NCA, FAIS Act, and applicable South African legislation. iZaapa's liability is limited to the value of services provided. Complaints: support@izaapa.co.za.
Start Today
BUY
UGESI
NOW.
PAY
LATER.

Download iZaapa. Activate your membership. Access electricity (buy now, pay later), airtime, cash advances, loans and WhatsApp — with an XP reward every time you do the right thing.

NO SPAM — MAJOR UPDATES ONLY

Google Play — Live
App Store — Soon
AppGallery — Soon

ZUVA WEALTH · FSP 51928 · NCRCP16688 · K2018435560
All credit subject to affordability assessment · NCA compliant · R100/month