Quick answer. GeraCash is a digital wallet and payments platform from Gera Services that lets you hold balances in multiple currencies, pay bills, send money to friends and family, and settle transactions across the entire Gera ecosystem. It integrates directly with local payment networks — M-Pesa in Kenya, Idram in Armenia, UPI in India, PIX in Brazil, and others — rather than routing everything through international cards.

What GeraCash Does

Hold balances in multiple currencies. GBP, USD, EUR, AMD, GEL, KES, NGN, INR, BRL, and more.
Send money. To friends and family domestically or across borders, typically settled within minutes on supported rails.
Pay bills. Utilities, mobile top-ups, school fees, rent — via country-specific integrations.
Pay across Gera. Use your GeraCash balance for GeraClinic consultations, GeraEats orders, GeraRide rides, GeraLearn courses, and more.
Receive earnings. GeraMarket sellers, GeraRide drivers, GeraFarm farmers, GeraJobs contractors, and instructors on GeraLearn can all be paid into a GeraCash wallet.

What Makes It Different

Most international digital wallets treat emerging-market payment rails as an afterthought — card-first with token mobile-money integration. GeraCash inverts that: local rails are first-class, and cards are one option among several. That matters because in the countries GeraCash prioritises, the local rail is often the only viable rail for the bulk of users.

Payment Rails Supported

M-Pesa, Airtel Money, MTN MoMo (East and West Africa).
Idram, ArCa (Armenia).
Bank of Georgia and TBC direct transfers (Georgia).
UPI (India).
PIX (Brazil).
Faster Payments (UK) and SEPA Instant (EU).
Visa, Mastercard, Amex (global).

Security

GeraCash uses two-factor authentication, device binding, and transaction signing for high-value actions. Wallet balances are held in segregated accounts with regulated partners in the relevant jurisdictions. No single employee has unilateral access to user funds. Suspicious transactions are flagged and blocked pending user confirmation.

Who It Is For

Diaspora users managing family finances across borders.
Small business operators receiving payments from multiple Gera products.
Travellers holding balances across currencies they commonly use.
Users in countries where card infrastructure is weak but mobile-money is ubiquitous.

What It Costs

Opening a wallet is free. Holding balances is free. Domestic transfers on supported rails are typically free or near-free. Cross-border transfers carry a transparent fee shown before you confirm. Currency conversion is at the interbank rate plus a small, visible margin — no hidden spread.

Next Step

Open a wallet at geracash.com. Fund it from your preferred rail and send the first payment to see the experience end to end.