Technology foundation
Joinai takes its name from Joina Information Technology, our technology foundation.
Our foundation
The Power Behind the Platform
Joinai operates as an independent global business rooted in the architectural and commercial heartbeat of Zimbabwe. Founded in Harare on the technology foundation of Joina Information Technology, and funded and created by the pioneering investors behind Joina City, we carry forward a legacy of scale, structural excellence, and transformative regional impact. We are proudly Zimbabwean in origin, national in purpose, and continental in ambition.
An invitation to participate
The name invites people and businesses to participate in a technology enabled economy.
Join us
In Shona, Joinai means join us, an inclusive call to participation.
What we do
Making everyday transactions simpler
Use one practical account to send and receive money, pay everyday bills, fund your wallet and transact with your Joinai card.
Send and receive money
Move money quickly and securely between family, friends, and businesses through the Joinai app.
Pay everyday bills
Settle utilities, school fees, subscriptions, and other essential payments from one convenient wallet.
Fund your wallet
Add money through supported banks, EcoCash, or a Joinai agent at Joina City and stay ready to transact.
Use your Joinai card
Pay securely, access member benefits, and manage everyday spending with your Joinai card and account.
Who we are
A Zimbabwean platform built for participation
Our Vision
To build Zimbabwe’s most accessible digital commerce and financial services ecosystem, starting in the heart of Harare and ultimately serving consumers and businesses nationally and internationally.
Our Mission
To make everyday transactions simpler, safer and more affordable while connecting consumers, merchants, banks and financial institutions through one trusted digital platform.
Our Positioning
Join the City. Join the Economy. Join the Future.
From our home at Joina City, Joinai connects people and businesses to a simpler, safer, and more accessible digital economy built for Zimbabwe and Africa.
Our core values
The principles behind how we build
Our values guide how we design products, serve our customers, and build financial technology for lasting impact.
Trust by design
We protect every interaction with secure systems, clear processes, and responsible decisions.
Practical innovation
We use technology to solve real financial needs simply, efficiently, and purposefully.
Access for more people
We build inclusive services that help more people and businesses participate in the digital economy.
Responsibility always
We act with accountability and put lasting customer confidence ahead of immediate convenience.
Our HQ
At the heart of Harare
Joinai is based on the 18th Floor of Joina City, at the corner of Julius Nyerere Way and Jason Moyo Avenue in Harare.
From this central home within the Joina City ecosystem, we are building practical financial technology for people and businesses across Zimbabwe and Africa.
Our story
Built in Harare. Designed for Africa.
Joinai was developed within the Joina City ecosystem to address real financial needs with practical technology. From our home at Joina City in the heart of Harare, we are building secure and accessible financial tools designed for people and businesses across Zimbabwe and Africa.
Your money, always within reach
Download the Joinai app, create your account, and fund your wallet through a supported bank, EcoCash, or a Joinai agent. Once your wallet is ready, you can begin sending, receiving, paying, and managing your money securely wherever you are.