Wave Mobile Money's app helps users transfer, borrow and receive money in Africa with no account fees. Wave built a proprietary technology stack, including their own agent network, agent and consumer applications, QR cards, business collections and disbursements. The company was founded in 2017 by Drew Durbin and Lincoln Quirk and is headquartered in Dakar, Senegal. Wave's mission is to use technology to build a financial network affordable for everyone and to make Africa the first cashless continent.