Hisa App

Hisa provides a robust suite of investment capabilities, allowing users to trade across multiple asset classes including stocks and ETFs in Kenya, Nigeria, and the US, with plans for more global exchanges. The platform also offers access to cryptocurrencies like Bitcoin and Ethereum, alongside direct exposure to global commodities such as gold, oil, and agricultural products. A key feature is the 'Earnings Wallet,' which allows users to earn interest on idle USD holdings and lock funds in 'Vaults' for passive growth. Furthermore, Hisa integrates advanced AI-powered tools like 'Atlas,' an investing co-pilot that provides market insights, company information, and investment product analysis through natural language interaction, alongside features such as real-time trend analysis, a 'Time Machine' for simulating investment decisions, stock screeners, and a personalized news feed.

Hisa is primarily built for individual retail investors in Africa and beyond who seek accessible and diversified investment opportunities. It caters to those looking to invest in both local and global markets, from beginners with its low $1 minimum investment to more experienced traders leveraging its AI-powered insights. The platform addresses the pain points of market complexity and lack of access to diverse assets by offering a user-friendly interface, fractional share investing, and intelligent tools to inform decision-making. By simplifying investment and providing tailored analysis, Hisa empowers users to manage their portfolios with confidence and grow their wealth across various asset classes.

Hisa operates through a network of strategic partnerships with licensed brokers and custodians to ensure a compliant and secure investment environment across different jurisdictions. For its US market offerings, Hisa partners with Alpaca Securities LLC, a FINRA-registered broker-dealer and a member of SIPC, providing access to US stocks and ETFs under US market regulations. In Nigeria, equity trading is facilitated by Chaka Technologies Limited, a digital sub-broker licensed by the Securities and Exchange Commission, through Citi Investment Capital Limited, an NGX dealing member. For Kenyan equities, Hisa collaborates with RiseVest East Africa Limited, leveraging Faida Investment Bank, which is licensed and regulated by the Capital Markets Authority of Kenya (CMA). These integrations are crucial for Hisa to offer its wide range of multi-asset investment products legally and securely.

Hisa places a strong emphasis on compliance and security to protect its users' investments. The platform operates in strict adherence to regulatory requirements by partnering with licensed brokers and custodians in every jurisdiction it serves. This includes oversight from regulatory bodies such as the Capital Markets Authority of Kenya (CMA) and the Nigerian Securities and Exchange Commission (SEC), via its partners. For US securities, customer accounts are protected by SIPC up to applicable limits, in partnership with Alpaca Securities LLC. Account verification is a mandatory process, requiring users to submit their ID and a selfie, which helps Hisa comply with regulatory mandates and enhance account security against unauthorized access and fraudulent activities. Users are also encouraged to conduct their own research and seek independent financial advice, as Hisa itself does not provide personalized investment advice.

Hisa maintains a transparent and straightforward pricing structure for its investment services. The platform charges a flat 1% fee on all trades, applicable across all markets and asset types, simplifying cost calculations for its users. This consistent fee model ensures predictability, allowing investors to understand their transaction costs without encountering complex tiered systems or hidden charges. Beyond trading fees, Hisa also offers opportunities for passive earnings, such as interest on USD holdings within the 'Earnings Wallet,' providing an additional benefit for keeping funds on the platform. The minimum investment threshold is set at an accessible $1 for both global and local stocks, further democratizing access to various financial markets.

Hisa is committed to supporting its users through various channels and educational resources, even though it does not offer personalized investment advice. Users can reach out for assistance via dedicated email addresses: hello@hisa.co for general inquiries and support@hisa.co for specific support needs. The platform also provides extensive educational content, market updates, and curated stock picks directly through the Hisa app and its social media channels. A comprehensive Frequently Asked Questions (FAQ) section is readily available on the website, addressing common concerns regarding account setup, verification, fees, withdrawals, and investment options, ensuring users have access to essential information to make informed decisions.