Own a pieceof Ghana.

Abedua is an app that lets you buy and sell securities listed on the Ghana Stock Exchange from your phone. The plan is simple: open an account with your Ghana Card, fund it with Mobile Money or a bank transfer, and buy or sell shares in the companies you know, with every company, price and fee explained in plain language. It is not open yet. The app is still being built, and we do not yet hold the licences it needs.

No. Broking is a licensed business in Ghana, and Abedua does not yet hold a broker-dealer licence from the Securities and Exchange Commission, dealing-member status on the Ghana Stock Exchange, or a custody arrangement at the Central Securities Depository. Until all three are in place we cannot take your money, open an account for you or place a trade. Join the waitlist and we will email you the day that changes.

A Ghana Card, an email address, and to be 18 or over, which is the legal minimum age for a securities account in Ghana. You type in your Ghana Card number and take a photo of the card. There is no selfie and no branch visit. You will also read a short risk disclosure and answer a few questions about your goals. We check the card and open your CSD account for you. Account opening goes live once we are licensed.

Two ways. Your shares are registered in your own name at the Central Securities Depository, the national register of who owns each security, so they never sit on Abedua's balance sheet. Your money is held in a trust account with a bank. It sits there until it is used to buy securities for you, and when you sell, the proceeds sit there until they are transferred to you. Because the money is held on trust for you, it is not Abedua's asset and not the bank's: if either failed, it would not be available to their creditors. This is how the system is designed. It goes live once we are licensed and the accounts are opened.

You will top up from MTN MoMo, Telecel Cash or AT Money, or by bank transfer. Every deposit goes into the trust account with the bank, not to Abedua, and stays there until you invest it. Withdrawals go back to your Mobile Money wallet from the same trust account. Funding is not live yet. The payment partners, and how long each transfer takes, will be confirmed before launch.

At launch, shares in every company listed on the Ghana Stock Exchange, from MTN Ghana and GCB Bank to GOIL and Guinness Ghana, plus the NewGold ETF, so you can own gold without buying bars or jewellery. Treasury bills, government and corporate bonds, and funds from licensed managers are planned for later. What we can offer on day one depends on the scope of the licence we are granted.

Yes, once we are licensed. The NewGold ETF, ticker GLD, is listed on the Ghana Stock Exchange, and each unit is backed by physical gold held in a vault. You will buy and sell it like any other share, from your phone: no goldsmith, no safe, no worrying about purity. You cannot buy it through Abedua today.

You search for a company, enter the number of shares, and choose a market order, which fills at the best price available, or a limit order, which fills only at your price or better. Before you confirm, the app itemises the brokerage and levies and shows the settlement date. You then press and hold to place the order. Trades on the Ghana Stock Exchange settle three business days later, so shares you buy cannot be sold, and cash from a sale cannot be withdrawn, until settlement.

Our planned pricing is a free account, with no monthly, custody or inactivity fees, and a charge only when you trade: 1.5% brokerage, minimum GH₵5, plus the GSE, SEC and CSD levies, which total 0.13% and are passed on at cost. On a GH₵500 order that is GH₵7.50 brokerage and GH₵0.65 in levies. These rates are not final. We will publish the confirmed fee schedule before we open, and the app will always show the exact total before you confirm an order.

There is no minimum balance. The planned limits are GH₵10 for a deposit, GH₵10 for an order and GH₵20 for a withdrawal, with a cap of GH₵50,000 per deposit. Auto-invest will run weekly or monthly from GH₵20 a time. These limits will be confirmed at launch.

When a company you own pays a dividend, the cash lands in your Abedua wallet with a note explaining what it is. You can withdraw it, keep it as cash, or switch on dividend reinvestment, which uses it to buy more shares in the company that paid it. This is designed but not yet running.

Email us at carefareservice@gmail.com and a real person will reply. We are a small team building toward launch, so for now that person is one of the founders rather than a support desk.