About
ZAAD is the mobile money service of Telesom, the Somaliland mobile operator, launched in June 2009 and licensed by the Central Bank of Somaliland. The wallet sits on a Telesom SIM and runs on USSD short codes, with separate codes for Somaliland shillings (such as *220*) and US dollars (*880*), so one account holds and sends either currency. Cash goes in and out through authorised agents, and the same wallet pays merchants and bills such as electricity, water and school fees, runs payroll and buys airtime. In 2024 ZAAD received GSMA Mobile Money Certification, which assesses providers on more than 300 criteria.
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