The first two products
Your kind of deal.
A clearer way to pay.
Goods between people. Vehicles changing hands. Go and Drive apply the same bank-held model to two different kinds of trade.
For everyday buyers and sellers
Themba Go
A phone you found online.
Furniture from someone across town.
Go is built for goods sold between people, including the deals that begin on Facebook Marketplace or in a WhatsApp group.
Agree on the item and delivery, confirm payment, then check that the goods match the deal before release under the agreed rules.
Proposed Go fees
- Fee rate1.5%
- Minimum feeE10.00
- Maximum feeE500.00
- Minimum goods dealE50.00
The fee is shown in emalangeni before the deal is accepted. These are proposed pilot fees, not a live quote.
For car buyers, private sellers and dealers
Themba Drive
The keys are one part.
Registration matters too.
Drive is built around a clear condition: the vehicle must be registered in the buyer’s name before the money is released, with compliance review.
It gives the vehicle sale its own process, rather than treating it like a parcel delivery.
Proposed Drive fees
- Fee rate1.0%
- Minimum feeE250.00
- Maximum feeE3,000.00
Vehicle eligibility and pilot deal limits will be confirmed before use. The planned service does not offer lender settlement on financed vehicles.
On the roadmap, not available now
The same foundation.
Other ways to trade.
Go and Drive come first. These products are planned for later phases.
Themba Business
Contracts paid in stages, for builders, suppliers and contractors. Pricing will be set before launch.
Themba Circles
Contribution records and shared payout approval for savings groups and burial societies. Pricing will be set before launch.
Themba Rails
A future connection for marketplaces to offer protected payments inside their own services, after the required licensing route.