What is Phethi Cash? Phethi Cash is an innovative cashless payment technology that helps you manage your personal finances and also assists with improving your credit score. Why do we do what we do? We want South Africans to be financially fit, literate and disciplined. How do we do it? We've managed to differentiate ourselves from other players in the budgeting space by creating a tool that does more than just track your spending. We lock your spending money into various spending baskets(wallets) which will only be deducted when purchasing at merchants linked to the specific wallet.