You will first need to create a beneficiary before you can send XRP and ZAR to another wallet.
There are two types of beneficiaries: an internal and external beneficiary.
An internal beneficiary is a user that has a Xago account. You will need to enter their name, mobile number and your authentication code when adding an internal beneficiary.
An external beneficiary is a user that does not have an account with Xago. You will need to enter their name, XRP address and XRP tag. The XRP tag is not always required so only enter this if it has been provided to you by the beneficiary.
Please note: once you have sent XRP and ZAR to a beneficiary it is not reversible as the transaction has executed directly on the Ripple ledger. Please ensure you enter the correct beneficiary details.