Visual Cash Flow
Follow income, expenses, and cash flow. Simple, beautiful charts show your income versus expenses, top spending habits, and profit margins at a single glance.
Know Your Money
Protect Every Payment.
Whether you run a busy retail shop or track daily life, Mrkuz brings your bank accounts and mobile wallets into one place—giving you instant payment verification at the counter and a smart AI copilot for your money.
Android APK. iOS web access. Instant verification & 24/7 AI Copilot.Know When
Money Is Real.
Stop guessing whether a customer’s transfer was real. Fake screenshots and delayed SMS alerts shouldn't cost you your hard-earned stock. Verify incoming customer payments on the spot with the Mrkuz Telegram Bot before handing over goods—keeping your revenue safe and checkout fast.
Business & Life.
Kept Separate.
No more logging into three different banking apps just to see what you have left. Mrkuz brings your telebirr, CBE, and private bank accounts together so you always know where your money went, what bills are coming up, and how much you’ve saved—with clean, separate ledgers inside a single app.
Made for
Your Everyday.
From morning coffee to busy retail counters.
Verify what's paid, chat with your AI copilot, and carry on with total confidence.
30 Ethiopian banks
& wallets connected.
Automatically reconciles activity across telebirr, CBE Birr, M-PESA, Commercial Bank of Ethiopia, Awash, Dashen, Bank of Abyssinia, and over 20 other institutions.
Your accounts stay separate. Your view comes together.
Commercial Bank of Ethiopia
telebirr
Awash Bank
Bank of Abyssinia
M-PESA
Dashen BankAll 30 banks & mobile money providers +
Abay BankBank of Abyssinia
Addis International Bank
Ahadu Bank
Amhara BankAwash Bank
Berhan Bank
Bunna BankCommercial Bank of Ethiopia
CoopbankDashen Bank
Enat Bank
Gadaa Bank
Global Bank
Hibret Bank
Hijra Bank
Lion International BankM-PESA
Nib International Bank
Oromia Bank
Rammis Bank
Shabelle Bank
Sidama Bank
Siinqee Bank
Siket Banktelebirr
Tsedey Bank
Wegagen Bank
ZamZam Bank
Zemen BankWhether you are running a busy retail shop or keeping track of daily life. Mrkuz gives you instant payment verification at the counter and an AI copilot to take control.
01 Everyday spenders No more switching apps. Telebirr, CBE, and savings in one view.
02 Shop owners & retail Total payment confidence. Verify before goods leave.
03 Cafés & services Fast checkout. Stop fake screenshots and delayed SMS.
04 AI Copilot & Ask Ask in English, Amharic, Afaan Oromoo, or Somali.
05 Cash flow insights Income vs. expenses, top habits, and profit margins.
06 Entrepreneurs Business and personal life in clean, separate ledgers.
Everything You Need
To Take Control.
Visual Insights &
Your AI Copilot.
A 24/7 personal accountant who speaks your language,
paired with clear cash flow intelligence.
AI Financial Copilot
Tap Ask and chat in English, Amharic, Afaan Oromoo, or Somali. Ask “Where did my money go?”, “Who were my top 5 customers?”, recall Merkato prices, or set due date reminders.
A clearer picture starts with the details. Thoughtful checks and smart verification keep every payment authentic and connected.
01 / DUPLICATE PROTECTION
Bank SMS twice?
Counted once.
Bank SMS notifications sometimes arrive twice—Mrkuz catches duplicates automatically so your revenue and balances are always 100% accurate.
Understand how it works ↗02 / 30+ BANKS & WALLETS
The right account.
The right ledger.
Automatically reconciles activity across telebirr, CBE Birr, M-PESA, Commercial Bank of Ethiopia, Awash, Dashen, Bank of Abyssinia, and 20+ more.
Explore organization ↗03 / INSTANT VERIFICATION
Verify at counter.
Protect your stock.
Customers share their transaction code, and you check it in seconds via @mrkuz_tracker_bot. If funds haven't hit, don't release goods.
Learn about verification ↗04 / AI COPILOT & DATES
Organize in seconds.
Never miss dates.
Skip manual tagging: "Put payments to Abel under Stock", "Remind me to pay rent on the 1st", or recall past prices like onions at Merkato.
Questions about Mrkuz
Who is Mrkuz built for?+
Mrkuz is purpose-built for three key groups:
- For Shop Owners, Cafés & Retailers: Total payment confidence. Stop guessing whether customer transfers are real. Fake screenshots and delayed SMS alerts shouldn't cost you your hard-earned stock. Verify on the spot before handing over goods—keeping revenue safe and checkout fast.
- For Everyday Spenders: Complete financial clarity. No more logging into three different banking apps just to see what you have left. Mrkuz brings your telebirr, CBE, and private bank accounts together so you always know where your money went, what bills are coming up, and how much you've saved.
- For Entrepreneurs: Business and life, kept separate. Running a business shouldn't mean mixing your personal living costs with company revenue. Mrkuz keeps your personal budget and business cash flow in clean, separate ledgers—inside a single app.
How does Instant Payment Verification work?+
Customers share their transaction reference code, and you check it in seconds through the Mrkuz Telegram Bot (@mrkuz_tracker_bot). If the funds haven't hit your connected account, you don't release the goods. This stops fake screenshots and delayed SMS alerts from costing you your hard-earned stock.
Open Verification Bot ↗What is the AI Financial Copilot and what can it do?+
Think of Mrkuz as your 24/7 personal accountant who speaks your language and knows your transactions inside out. Just tap Ask and chat in English, Amharic, Afaan Oromoo, or Somali:
- Ask Any Question: “Where did most of my money go this month?”, “Who were my top 5 customers this week?”, or “Compare our business collections to last month.”
- Never Forget a Price: Ask what you paid for supplies, stock, or groceries weeks ago (e.g. “How much did I pay for onions at Merkato last time?”) and get the exact date, amount, and note instantly.
- Organize in Seconds: Skip manual tagging. Just say, “Put all payments to Abel under Business Stock,” and your AI sorts them automatically.
- Stay on Top of Due Dates: Tell it, “Remind me to pay rent on the 1st,” and let Mrkuz handle the schedule.
Which Ethiopian banks and mobile wallets are supported?+
Mrkuz automatically reconciles activity across 30+ Ethiopian financial institutions and mobile wallets, including telebirr, CBE Birr, M-PESA, Commercial Bank of Ethiopia (CBE), Awash Bank, Bank of Abyssinia, Dashen Bank, Coopbank, and over 20 other commercial banks.
View all 30 supported providers ↗How does Duplicate Protection keep balances accurate?+
Bank SMS notifications sometimes arrive twice. Mrkuz catches duplicate transactions automatically so your revenue, balances, and profit margins are always 100% accurate.
How do I start with Mrkuz on Android and iPhone?+
Start with confidence today! Available on Android via official APK releases and updates on Telegram (@mrkuz_verify), and accessible on any iPhone directly through our iOS Web App (mrkuzapp.onrender.com).