Investing made simple.For Basotho.
Start building wealth from as little as M100. Invest in funds across Lesotho, the JSE and global markets — managed by CBL-licensed asset managers, with transparent, ultra-low fees. Pay in and out with M-Pesa, EcoCash or your bank.
Portfolio value
M 10,750.00
+M 1,240 (13.0%) all time
Your funds
Lesotho Money Market
LocalM 4,300
+5.1%
SA Top 40 (JSE)
RegionalM 3,950
+18.4%
Global Equity Fund
GlobalM 2,500
+9.7%
Recurring invest
M250 every payday — via M-Pesa.
M100
minimum to start
3 markets
local · JSE · global
Ultra-low
transparent fees
CBL
regulated funds
Investing has been a privilege. We're making it a right.
For too long, investing in Lesotho meant high minimums, complex processes and specialist knowledge — leaving most Basotho out of wealth-building. Tsetela changes that: small amounts, plain language, and a few taps to put your money to work.
Start small, grow steadily
Begin from M100 and add any amount, anytime — even on payday auto-invest.
Own a slice of anything
Fractional investing lets you hold part of a fund or share you couldn't buy whole.
Learn as you go
Built-in education turns first-time savers into confident investors.
From M100 to a portfolio.
A movement to make investing inclusive, transparent and empowering — the gateway for every Mosotho to participate in wealth creation.
M100
to start
0%
hidden fees
24/7
in your pocket
Every summit starts with a single step
Like climbing the Maluti, building wealth is about steady progress — not one giant leap. Tsetela lets you start with M100 and grow from there.
Start investing in four simple steps
Create your account
Sign up in minutes and verify your identity securely — all in the app.
Add money
Fund your wallet from M100 via M-Pesa, EcoCash or your bank.
Choose your funds
Pick from local, JSE and global funds — or a ready-made portfolio.
Watch it grow
Track performance, invest on repeat, and withdraw whenever you need.
Invest locally, regionally and soon — worldwide
One app, three horizons. Diversify across Lesotho, the JSE and global markets, all in Maloti.
Local
Lesotho
Money-market and local funds that keep your savings working at home.
Regional
JSE & South Africa
Access the Johannesburg Stock Exchange — the Top 40, ETFs and more.
Global
Worldwide
Global equity and index funds to diversify beyond the region.
When you invest, you join the world's markets
From Maseru to the JSE and beyond — Tsetela connects your Maloti to opportunities across Lesotho, the region and, soon, the globe.
Everything you need to invest with confidence
Low minimums
Start from M100 — no need for a lump sum to begin.
Fractional investing
Own a slice of funds and shares, however small your budget.
Regulated & secure
Funds run by CBL-licensed asset managers; bank-grade security.
Education hub
Articles, courses and a glossary that build your confidence.
Portfolio management
Track performance, allocation and goals at a glance.
Seamless payments
Pay in and out via M-Pesa, EcoCash and banks — powered by Softserve Payments.
What is a fund?
Read
Understand the trade-off
Read
Your gateway to SA markets
Read
Why time beats timing
Read
Learn to invest — one lesson at a time
Tsetela raises financial literacy as you go. Bite-sized lessons, real-world examples and a guided first investment turn nominal savers into informed, long-term investors.
Start learningMoney in and out — the way Basotho already pay
Powered by Softserve Payments, Tsetela moves money seamlessly from nominal top-ups to larger pay-ins, and pays you out at the right time — over M-Pesa, EcoCash and traditional banks.
Instant top-ups
Add from M100 in seconds and start investing right away.
Flexible withdrawals
Cash out to your wallet or bank when you need it.
Auto-invest
Schedule recurring investments around your payday.
Secure by design
Every transaction protected and reconciled end-to-end.
Regulated, transparent and on your side
Your money is invested in collective investment schemes operated by asset managers licensed by the Central Bank of Lesotho.
CBL-licensed asset managers
Funds are managed by accredited professionals regulated under the CBL Collective Investment Schemes framework.
Your money, ring-fenced
Client assets are held separately and managed within strict regulatory guidelines.
Clear on the risks
Investing carries risk and the value of investments can go down as well as up. We always show fees upfront.
Capital is at risk. Past performance is not a guide to future returns. Tsetela facilitates access to funds operated by CBL-licensed asset managers; it does not provide financial advice. Full terms and risk disclosures are available in-app.
Invest in tomorrow, today
Download Tsetela and make your first investment in minutes — from as little as M100.
Coming soon to the App Store and Google Play. Try the web app at app.tsetela.softserve.co.ls.
Portfolio value
M 10,750.00
+M 1,240 (13.0%) all time
Your funds
Lesotho Money Market
LocalM 4,300
+5.1%
SA Top 40 (JSE)
RegionalM 3,950
+18.4%
Global Equity Fund
GlobalM 2,500
+9.7%
Recurring invest
M250 every payday — via M-Pesa.
How much do I need to start?
You can start investing with as little as M100. Add more anytime, or set up a recurring investment around your payday.
Is Tsetela regulated?
Tsetela gives you access to collective investment schemes (funds) operated by asset managers licensed by the Central Bank of Lesotho. Capital is at risk.
What can I invest in?
Local Lesotho funds, regional funds on the JSE / South African market, and — soon — global funds. You can hold fractions, so any budget works.
How do I pay in and withdraw?
Pay in and out using M-Pesa, EcoCash or a bank transfer, powered by Softserve Payments. Withdrawals are paid to your wallet or bank.
What does it cost?
Fees are transparent and ultra-low, always shown before you invest — no hidden charges. [FILL: representative fee schedule]
Is my money safe?
Client assets are managed within strict regulatory guidelines and protected with bank-grade security. Investing still carries risk and values can fall as well as rise.
We're here to help you start
Questions about investing, your account, or partnering as an asset manager? Reach the Tsetela team in Maseru.