MTN MoMo and Sanlam Investments’ Yinvesta empowers everyday earners to start investing today

Uganda’s youth are rewriting the rules of work—and now, with Yinvesta, they can rewrite the rules of money too.

The hustle is real. Across Kampala and beyond, Uganda’s Gen Zs are redefining the workday. From content creators monetizing their TikTok accounts, to riders delivering orders on mobile apps, and freelancers juggling gigs from multiple platforms—young Ugandans are embracing the freedom of the gig economy. It’s flexible, fast-paced, and deeply digital. But when it comes to money, that same flexibility can become a trap.

Irregular income. No safety nets. No pension plans. Just vibes—and maybe a little Airtel data left at the end of the month.

That’s where Yinvesta steps in.

Yinvesta, a joint innovation from MTN MoMo and Sanlam Investments, is Uganda’s first mobile-first investment platform tailored for this digital-first generation. It’s not just a savings product—it’s a mindset shift.

“This isn’t just about access,” said MTN Uganda’s Chief Product Officer at the launch. “It’s about reimagining investments in the Gen Z era. If you can send money, you can invest it too.”

With as little as UGX 1,000, young Ugandans can now put their money to work—earning interest while they continue to grind.

Unlike traditional investment avenues that require paperwork, face-to-face appointments, or large capital outlays, Yinvesta eliminates friction. No forms. No queues. No need to walk into a bank. It’s fully integrated within the MTN MoMo system, meaning the same platform you use to pay for lunch or data is now a gateway to building wealth.

And let’s be clear: This is not saving just for safekeeping.
It’s saving to grow, saving to build, saving to invest.

“Gig workers are selling earrings, writing code, creating digital content,” the CPO added. “When they make money, it doesn’t just have to disappear into the cycle of spending. Now, it can work for them.”

The platform is backed by Sanlam Investments, one of Africa’s most trusted financial services providers, and regulated by Uganda’s Capital Markets Authority. This means your investment is protected and professionally managed. It’s not just digital convenience—it’s serious financial agency.

Uganda’s gig economy is thriving, but volatile. Income goes up and down. Emergencies hit. There are no medical benefits or NSSF contributions. That’s why budgeting, saving, and investing have become survival skills, not just luxury habits.

According to the NSSF, personal financial resilience is no longer optional for gig workers. With platforms like Yinvesta, these same workers can:

  • Track income and set goals
  • Use budgeting strategies that work with variable income
  • Build an emergency fund over time
  • Begin earning interest on idle funds
  • Develop long-term financial discipline and security

In fact, financial literacy experts now advise gig workers to budget based on their lowest expected monthly income, and invest any surplus during high-earning periods—precisely what Yinvesta empowers users to do.

This generation isn’t just hustling to survive. They care about the climate, equity, and building a better future. They want their actions—and their money—to be meaningful.

“This is about giving people not just the tools but the confidence to make better financial decisions,” the CPO emphasized. “You aspire to build something bigger. Yinvesta is one step towards that.”

So, What’s the First Step?

If you’re reading this on your phone, you’re already halfway there.
Simply dial*165*7*1# → Select Yinvesta →  And start with UGX 1,000.

It’s that simple. From spending to saving to investing—the shift is one tap away.

Because a great hustle deserves a great plan. And the future you’re building deserves more than just today’s hustle – https://www.youtube.com/watch?v=eT1X9bTTH6A&t=18s