Live across Timor-Leste
The wallet built for Timor-Leste.
One USD-anchored balance for sending money, paying merchants, topping up phone credit, and connecting to every Oftimor service — in Tetum, Portuguese, and English.
A single account, every payment
Built around the moments that matter — payday, paying bills, sending money home, topping up a phone.
Send & receive
Move money to any SOTCoin account instantly. No fees between SOTCoin wallets — ever.
Pay merchants
Scan a QR or tap a terminal at participating shops, restaurants, and tour operators.
Mobile top-up
Pulsa for Timor Telecom, Telkomcel, and Telemor — delivered to the phone in seconds.
eSIM & data
A Timor Telecom eSIM scanned to your device, ready in under a minute.
Family groups
Bring parents, kids, or staff into a shared wallet with role-based limits.
Send abroad
Remit to bank accounts and other wallets internationally — straight from the app.
Up and running in three steps
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Open your wallet
Download the SOTCoin app, sign up with your phone number, and verify your ID. Most people are ready to use the wallet in under five minutes. -
Add money
Top up by bank transfer from BNCTL, BNU, ANZ, or P24 — or pay in by card. There are no fees to move money between SOTCoin wallets. -
Spend, send, save
Pay merchants by QR or tap, send money to anyone with a SOTCoin account, top up phone credit, or set aside money for the family.
Built across Timor
SOTCoin is the financial layer connecting a family of locally-built platforms — each one solving a real Timor-Leste problem.
Stays
Holiday rentals and accommodation across Timor-Leste, from Dili to Atauro.
Services
Tradespeople directory and booking — plumbers, electricians, mechanics.
Students
National school platform with NFC keycards and family accounts.
Start-Ups
Programme and platform helping Timorese founders launch their first products.
Sales
Commerce platform connecting Timorese sellers with the wider network.
SOTCoin
One balance that works across every Oftimor service.
Common questions
What is SOTCoin?
SOTCoin is a digital wallet built for Timor-Leste. One USD-denominated balance, used across every Oftimor service — stays, services, students, streets, sales — plus everywhere QR codes are accepted.
How do I top up?
Bank transfer to one of our partner banks (BNCTL, BNU, ANZ, P24), card via Stripe Checkout, or T-Pay e-money pull. In-store top-up at participating merchants is rolling out.
Is it free?
The Standard plan is free for personal use. There are no fees between SOTCoin accounts. Paid plans add higher limits, family seats, and partner perks.
Where can I use it?
Anywhere a SOTCoin merchant terminal accepts payments, or via QR scan at any participating shop. Mobile credit and eSIM data are live with all three Timor-Leste telcos.
Which languages does the app support?
Tetum, Portuguese, and English — switchable inside the app at any time.
Move money like it's 2026
Open a SOTCoin wallet, scan a friend's QR, send them $5 — done in under a minute.