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Products

Investing that works
for every Ethiopian.

One platform vision, introduced in stages. Santim is designed for first-time and mass-retail savers, urban Ethiopian professionals, and the Ethiopian diaspora.

First regulated product

Self-Directed Investing.
You choose.

Santim plans to begin as a Securities Digital Sub-Broker under a licensed sponsoring broker or dealer. The experience will focus on education, clear disclosures, and simple order placement for eligible securities.

  • English and Amharic learning content
  • Regulated onboarding through the approved sponsor arrangement
  • Clear fees and product disclosures before an order is placed
  • Access limited to instruments and functions approved for launch
  • Customer assets and money handled by authorised institutions
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Launch route
Stage 1
sponsor-backed digital brokerage
✓
Sponsoring firm: licensed broker or dealer responsible for the approved regulated arrangement.
✓
Santim experience: education, onboarding support, account views, and order-entry interface within the approved scope.
✓
Pricing: to be published before launch after sponsor, exchange, and operating costs are confirmed.
✓
Status: planned and subject to licensing, partner agreements, testing, and regulatory approval.
Later regulated product

Managed Portfolios.
Guided by your goals.

Goal-based portfolio management is planned only after Santim has the required portfolio-management permissions, qualified personnel, suitability controls, and an independent ECMA-licensed securities custodian approved for the arrangement.

  • Goal and risk-profile assessment
  • Suitability and portfolio disclosures
  • Independent custody of managed client assets
  • Ongoing reporting and portfolio monitoring
  • No target-return promise or guaranteed performance
Join the waitlist
Launch route
Stage 2
licensed portfolio management
✓
Permissions: portfolio-management and any automated-advice requirements confirmed with ECMA.
✓
People: qualified investment, research, compliance, and technology leadership in place.
✓
Custody: managed securities held with an independent ECMA-licensed custodian.
✓
Pricing: transparent and finalised before customer launch.
Later market expansion

Diaspora Accounts.
Own Ethiopia from anywhere.

Santim's long-term vision includes helping eligible diaspora customers access Ethiopian securities. The service will launch only after the cross-border legal, banking, remittance, foreign-exchange, tax, and distribution requirements are confirmed.

  • Eligibility and onboarding rules confirmed market by market
  • Approved remittance and banking partners
  • Transparent foreign-exchange treatment and disclosures
  • Tax reporting designed for supported jurisdictions
  • Product availability limited to what each approval permits
Express interest
Launch route
Stage 3
approved cross-border access
✓
Ethiopia: ECMA, NBE, banking, securities, and foreign-exchange requirements confirmed.
✓
Customer market: local securities-promotion, tax, and distribution rules confirmed.
✓
Partners: authorised remittance, banking, execution, and custody providers contracted.
✓
Status: concept stage, not currently available.
Business-model principles

Simple at the start.
Useful as customers grow.

Inspired by the customer simplicity of Wealthsimple and Questrade, Santim plans to earn trust with accessible core services, transparent fees, education, and optional paid tools only when they add clear value.

⬡
Education before transactions
Plain-language learning and risk explanations help new investors make informed choices.
◈
Transparent core pricing
Final fees will be disclosed before launch and before each applicable customer action.
◎
One coherent account view
A simple dashboard can bring education, holdings, activity, and disclosures together.
◬
Optional tools later
Advanced analytics, reporting, and advice may be added after customer demand and regulatory scope are validated.
What arrives when

A licence-gated rollout.

Capability Stage 1 Stage 2 Stage 3
Financial education✓ Launch focusExpandedCross-border
Self-directed investing✓ Sponsor-backedEnhancedEligible markets
Managed portfolios—Subject to licencePossible expansion
Diaspora access——Subject to approvals
Final pricingPublished pre-launchPublished pre-launchMarket-specific

Ready to start?
So are we.

Join the early-access community for development updates. No investment product is currently available through Santim.

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