Every MoMo wallet, bank account, and investment — in one clear view.
SikaDNA automatically turns incoming MTN MoMo, Telecel Cash, and bank SMS alerts into a live personal balance sheet, safe Chop Money guide, and dual-mode business POS. Zero manual entry. 100% on your device.
JOIN 1,000+ SMART GHANAIANS MANAGING MONEY, TRACKING SPENDING, MOMO WALLETS, BANKS, WEALTH & MORE
Zero typing. Zero manual logging. Your money organizes itself.
Most budgeting apps fail in West Africa because manually typing every ₵15 tro-tro fare or waakye payment is exhausting. SikaDNA’s hardware-isolated neural parser categorizes incoming MoMo and bank alert notifications in 50 milliseconds — without sending an SMS byte to the cloud.
Payment received for GHS 350.00 from Shell Airport. Current Balance: GHS 2,420.50. Fee GHS 5.00. Tax GHS 0.00.
Cash Out completed: GH₵ 45.00 paid to Auntie Muni Waakye. Ref: 8940217. Balance: GH₵ 1,180.20.
How SikaDNA works in 4 intuitive steps
Engineered specifically for Ghana’s fast-moving Mobile Money & banking ecosystem. No manual typing, no complex budgeting spreadsheets, no cloud vulnerability.
Download SikaDNA
Download SikaDNA. Your private cryptographic enclave is initialized instantly on your phone with zero passwords or bank credentials needed.
Instant Onboarding
Grant SMS & alert permissions in seconds. Our local on-device neural engine securely indexes your past SMS notifications without uploading a single byte.
See All Your Money in One Clear View
Watch all your MTN MoMo, Telecel Cash, bank accounts, and investments unify into a single live balance with your real-time Safe-to-Spend GH₵ allowance.
Manage Money & Business on the Go
Easily manage daily Chop Money pacing, track T-Bills, or toggle into 1-tap Business POS to record sales and collect customer payments seamlessly.
Plan your life with ease
Get real insights into your spending habits, ideal cash, fees and more, so you can put your money to work for you
Run your shop or side-hustle. Protect your personal cash. In one tap.
Don't carry two phones. SikaDNA lets boutique owners, food vendors, tech freelancers, and retail agents instantly isolate business revenue from personal chop money.
Automatically manage your money, boost your savings
Automatically track expenses across Mobile Money, Bank and Cash with zero manual entry. Spot duplicate deductions, gain insights and get personalised advice on the go.
Ask, and Sika AI makes it happen
AI by SikaDNA is your 24/7 Ghanaian personal financial assistant. Just open your app, ask and get instant personalised answers and insights.
You spent GH₵ 485.00 across 3 MoMo transactions. That is 12% lower than last week. Your Chop Money safe-to-spend balance remains intact!
100% on device Privacy
With SikaDNA’s 100% on-device Privacy Processing, you’re entering the new era of money security — where your raw SMS alerts and bank credentials never leave your physical phone. No cloud storage of sensitive balances. Ever.
Track Your T-Bills, Stocks & Wealth Pots
From 91-Day Bills to Stocks, Securities, Pensions and Insurance without checking individual accounts. Track your aggregate net worth in one unified Ghanaian dashboard.
Investment products are subject to market risks. Terms and conditions apply. Licensed market intermediaries execute all investment instructions.
Built in Accra, for how Ghanaians truly live and move money.
Western budgeting apps were built around credit cards and single checking accounts. But here in Ghana, daily commerce runs on dual SIMs, fragmented MTN MoMo and Telecel wallets, roadside cash, and informal Bosea customer credit.
SikaDNA was born out of frustration with manual logging. We engineered a proprietary on-device neural parser that respects personal privacy while reconciling fragmented balances in real time. We don't ask you to change your habits — our technology bends to the rhythm of Ghana.
“We didn't set out to build another generic fintech dashboard. We built SikaDNA because every Ghanaian deserves financial clarity without sacrificing privacy to cloud servers. When you know your true numbers in real time, wealth naturally follows.”
Built for how Ghanaians actually spend and save
“Before SikaDNA, I never knew how much I lost to tro-tro transfers and roadside food payments. The SMS parser categorizes everything in seconds without asking for my MoMo PIN.”
“Sika Business POS split my shop cash from my family chop money. Now my supplier restocking fund is ringfenced, and I send 1-tap WhatsApp statement reminders.”
Join the 1,000+ smart Ghanaians using SikaDNA
*The Annual Percentage Yield (APY) reflects illustrative rates attainable through treasury bills and fixed income funds authorized by the Securities and Exchange Commission (SEC) of Ghana and Bank of Ghana guidelines. SikaDNA is an on-device personal financial technology tool and does not take customer deposits directly or provide independent investment advice. All financial transactions are executed via licensed partner banks and telecom mobile money infrastructure under Ghana Act 843 Data Protection standards.
Frequently asked questions
How does SikaDNA track SMS alerts without compromising my personal privacy?
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SikaDNA uses an on-device hardware enclave parser. It inspects only system notifications matching recognized Bank and Telecom headers (like MTN MoMo, Telecel, Stanbic). Personal SMS, WhatsApp messages, and two-factor authentication (OTP) codes are strictly ignored and discarded in memory within 50 milliseconds. No SMS text ever touches our servers.
Can I use SikaDNA with dual-SIM phones (MTN and Telecel simultaneously)?
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Yes. SikaDNA is purpose-built for Ghana's multi-SIM environment. You can connect both your MTN MoMo SIM and Telecel Cash line, plus multiple bank accounts. The engine aggregates all balances into one master net liquid view.
Does SikaDNA require my Mobile Money PIN or Internet Banking password?
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Never. SikaDNA will never ask for your 4-digit MoMo PIN or your bank login credentials. We read confirmed transaction notifications purely through Android Notification Listeners and iOS Shortcuts, guaranteeing zero-custody safety.
How does SikaDNA ensure regulatory and data protection compliance?
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SikaDNA is strictly compliant with the Ghana Data Protection Act 843. Because all parsing and categorization occur locally within your smartphone’s hardware security enclave, no sensitive financial data or personal transaction histories are transmitted to or stored on external servers. You maintain 100% control over your data.