Moni Wallet is a personal bank account within the app that enables agents to receive loans and make repayments through the same account. Agents can also fund their Moni Wallet through transfers or card and withdraw money from their wallet to other bank accounts.

Easy Tracking Dashboard: Another feature is the easier dashboard, which enables agents to monitor their loans, repayment status, and ratings more easily. In addition,

Agent Chat Support: The app also has chat support, which enables agents to reach out to Moni's support team without leaving the app. Finally, the app has a sign-in-one-device feature to keep agents' profiles secure.

Moni Market, which is an online marketplace that enables agents to buy and sell products and services within their community. The marketplace is designed to help agents grow their businesses and increase their revenue streams.

Moni Africa's Cluster Purse is another feature of the app that enables community members to save together and earn interest on their contributions. This feature serves as a buffer for members who are unable to repay their loans on time. Members can contribute to the Cluster Purse, vote to use the purse to clear outstanding loan amounts for members in need, and withdraw their contributions to their personal bank account when necessary.

Moni Insure: to protect its mobile money agents, Moni Africa has partnered with a third-party insurance provider to offer Moni Insure, which is a monthly insurance cover for eligible loan amounts. Agents are automatically charged 1% of their eligible loan amount for a one-month period, and the insurance is valid for four weeks. The insurance covers loss of funds due to theft that occurs at the agent's place of business or during their commute to or from the bank. Agents can file a claim through the app and provide supporting documents to receive insurance payouts.