Macanti is an investment club. Macanti transactions run in the mobile app wallet. You have to join the Macanti investment club to use the Macanti wallet. The wallet can be used to deposit or withdraw funds, to transfer money to other club members. Money transfers are instantaneous if you have an internet connection. The Macanti wallet can also be used to buy airtime and prepaid electricity at a discount rate. There are absolutely no transaction fees for anything. As it becomes more widely adopted, you will be able to use your Macanti wallet to buy just about anything anywhere in the world. The investment income comes from sharing the profit on income derived from using the wallet, such as airtime and Electricity sales.