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Products

Investing that works
for every Ethiopian.

Three products, one platform, zero broker visits. From a first-time investor putting in ETB 500 to a diaspora Ethiopian converting $5,000 in remittances — Santim handles it all through your phone.

Phase 1 product

Managed Portfolios.
We do the work.

Answer five questions about your goals and timeline. Santim automatically allocates your money across Ethiopian government T-bills and ESX-listed equities. We rebalance when things drift. You watch the number go up.

  • No financial knowledge required
  • Amharic-first interface throughout
  • No minimum investment — start with one santim
  • Automatic rebalancing when allocation drifts more than 5%
  • Two portfolio tiers: Conservative (70% T-bills) and Growth (70% equities)
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Management Fee
0.5%
per year on assets managed
✓
Conservative Portfolio: 70% T-bills + 30% ESX bank equities. Target return 12–15% annually.
✓
Growth Portfolio: 30% T-bills + 70% ESX equities. Target return 16–22% annually.
✓
Deposit via Telebirr or CBE Birr directly in the app. Funds typically invested within 2 hours.
✓
Client assets custodied at a licensed Ethiopian bank per ECMA Client Money Rules.
Phase 2 product

Self-Directed Trading.
You choose. We execute.

For Ethiopians who want to choose their own investments. Buy and sell directly on the Ethiopian Securities Exchange — equities, T-bills, bonds — through a clean mobile interface. Flat fee per trade. No commission. No spread markup.

  • All ESX-listed equities, government T-bills, and bonds
  • ETB 10 flat fee per trade — completely transparent
  • Real-time ESX price data and order book
  • IPO subscription for every new listing
  • Free for Santim Premium subscribers
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Execution Fee
ETB 10
flat per trade — no commissions, no surprises
✓
Market and limit orders on all ESX-listed instruments. Orders routed through Ethio Fidelity Securities.
✓
IPO subscriptions for every new ESX listing. Premium subscribers receive guaranteed allocation.
✓
Portfolio analytics — allocation breakdown, return attribution, and performance vs. T-bill benchmark.
✓
Waived entirely for Santim Premium subscribers at ETB 150/month.
Phase 2 product

Diaspora Accounts.
Own Ethiopia from anywhere.

You send money home because you believe in Ethiopia's future. Now you can own a piece of that future — not just fund it. Santim's diaspora account is USD-denominated, accessible from your phone in Toronto, DC, or London, and converts your dollars to Ethiopian securities at the official CBE rate.

  • Open from North America with no holding company required
  • USD-denominated statements and portfolio tracking
  • Conversion at the official CBE birr exchange rate
  • Access all ESX equities, T-bills, and IPOs
  • Refer family in Ethiopia — they get a domestic managed account
Express interest
FX Conversion Spread
1.0%
on USD/ETB conversion at official CBE rate
✓
International wire and transfer service integration. No physical visit to an Ethiopian bank required.
✓
Monthly USD-equivalent statements showing your portfolio value, returns, and transaction history.
✓
Annual tax report compatible with US and Canadian diaspora tax filing requirements.
✓
Enabled by ECMA's foreign investor provisions — legally structured from day one.
Available across all products

Santim Premium.
ETB 150 per month.

About one US dollar a month. The IPO allocation guarantee alone is worth more than that at the first listing. Every feature designed for the investor who is serious about building wealth — not dabbling in it.

⬡
Guaranteed IPO allocation
Up to ETB 10,000 reserved in every ESX IPO — regardless of oversubscription. First in the queue, always.
◈
Zero trade fees
Every self-directed trade waived completely. No ETB 10 per trade. Unlimited transactions.
◎
Advanced analytics
Portfolio attribution, benchmark comparison, 12-month return projections, and sector allocation detail.
◬
Annual tax report
Auto-generated income tax report compatible with Ethiopian tax filing and diaspora reporting requirements.
How we compare

Santim vs. the alternatives.

Feature Santim ESX Neway app Commercial banks
Robo-advisory / auto-portfolio✓ Managed portfolios——
Amharic-first interface✓ Full platformPartial—
Diaspora USD account✓ Phase 2——
IPO guaranteed allocation✓ Premium tier——
Telebirr native deposit✓ InstantManual—
No minimum investment✓——
Annual tax reporting✓ Premium—Partial
Management fee0.5% p.a.Trade fees only1.5–2.5% p.a.

Ready to start?
So are we.

Join the waitlist. We launch in Addis Ababa first and we are building the list now.

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