How it works

From Kwacha to a U.S. portfolio, step by step.

We re-engineered the U.S. brokerage experience around how Zambians actually move money. Here’s how it works, end-to-end.

Join the waitlist
1 USD = 18.52 ZMW
01

Open your account in minutes

Create your profile with your full name, phone, NRC, and address. We handle KYC in-app with our compliance partners.

  • Phone OTP verification
  • NRC + selfie liveness check
  • Proof of address (utility bill or bank statement)
02

Get verified

Tier 1 unlocks instantly for trial deposits. Tier 2 is approved within one business day and unlocks the full platform.

  • Tier 1: up to K3,000/month
  • Tier 2: up to K50,000/month
  • Tier 3: institutional limits (request access)
03

Fund with mobile money

Tap to deposit from MTN MoMo, Airtel Money, Zamtel Kwacha, or via bank transfer from any Zambian bank.

  • Instant mobile money (≤ 30s)
  • Bank transfer (same day)
  • Recurring auto-deposit
04

Convert ZMW → USD

We show the live FX rate before you invest. One of the tightest spreads in Africa, transparent in every order.

  • Live indicative rate
  • 0.5% average spread
  • No hidden conversion fees
05

Buy U.S. stocks

Search by name or ticker. Buy whole or fractional shares from $1. Market and limit orders supported.

  • 6,000+ U.S. listed stocks & ETFs
  • Fractional shares from $1
  • Recurring buys
06

Withdraw anytime

Sell positions and withdraw to mobile money or bank in ZMW. Same FX transparency on the way back.

  • Mobile money payout
  • Bank transfer (T+2)
  • Full transaction history
Your first trade

A typical journey takes ~10 minutes.

Most users place their first order the same hour they sign up.

1
0:00

Download or open in browser

Visit ophirmarkets.com or open the app.

2
1:30

Sign up with phone & NRC

OTP, liveness selfie, and basic details.

3
3:00

Tier 1 approved instantly

Start with up to K3,000 / month.

4
4:00

Deposit K500 via MoMo

Convert to ~$27.00 (live indicative rate).

5
6:00

Search for AAPL

Read Apple's stock page, charts, and news.

6
7:30

Buy $15 of Apple — fractional

Confirm and your order fills instantly during U.S. market hours.

7
8:00

Add NVDA to watchlist

Set a price alert for the next dip.

8
10:00

You are an investor

Welcome to Ophir Markets.

Ready when you are.

Join the waitlist to be among the first Zambians to use Ophir Markets.

Join waitlist