Personal. Money that moves like a text.
Send to any phone number across Africa, top up from M-Pesa in seconds and cash out to M-Pesa or 40 Kenyan banks. Your number is your account.
Explore personal
settled through AutoPayKe
Pay Farmers.
Show Every Step.
Send every farmer their share on M-Pesa with an SMS receipt for every lot, and a link that shows each step from sale to payment. We never hold the money.
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Backed by the people building Africa's payment rails
As featured at
From Nairobi to Rome
New
For Farmers
Paid For Every Kilo, With The Receipt To Prove It
When a cooperative pays through AutoPayKe, every farmer gets an SMS for each lot: kilos, grade, station, price, every deduction by name and what's left for them. They reply 1 to keep it in their wallet or 2 to send it to M-Pesa, or dial the USSD menu. No smartphone needed.
A short link on the SMS opens the full receipt in English or Kiswahili, with every step of the lot's payment clock.
Explore farmer payments
autopayke.com/l
Payments for people and businesses of every size
Send to any phone number, top up and cash out in shillings. Or run a till, a cooperative payout or a farmer register from the same account. One platform, built for how Kenya pays.
Business. Payouts with proof.
Pay every farmer with two-person approval and an SMS receipt for every lot, take till and PayBill payments by QR, and follow every settlement step.
Explore business
Send Money
Type A Number. Type An Amount. Done.
Pick a contact or type any phone number. Enter an amount in USD and watch the recipient's local total update live, with the FX rate locked while you review. If they already use AutoPayKe the money lands directly in their account, right away.
Learn moreThere is no recipient-name verification on any rail today. The app asks you to double-check the number before you confirm, and so do we.
autopayke.com/send
Unclaimed Payments
Send To People Who Aren't On AutoPayKe Yet
The money goes into secure escrow and the recipient gets an SMS or WhatsApp claim link at autopayke.com/claim. They tap it, verify their number, and the funds settle to their mobile money. If nobody claims within 7 days, it comes straight back to you. Live today in Kenya, Ghana and Uganda, Nigeria's claim payout is still being finished.
Learn moreEscrow and the 7-day expiry are enforced automatically by code, not manual review. Every step is independently verifiable, not a promise on a webpage.
autopayke.com/claim
Merchant Pay
Pay A Till Straight From Your Balance
Pay any M-Pesa till or PayBill straight from your AutoPayKe balance. Run a shop? Register your own till or PayBill, take payments by QR or phone number, watch takings on your merchant dashboard and withdraw to your till whenever you like.
Learn moreA disclosed cash-out fee applies, shown on the review screen before you confirm, never a surprise at the till.
Settlement Tracker
Watch Every Shilling Land
Four honest steps: initiated, payment confirmed, routed to the local rail, settled. Live status, reference number, the rail used, the locked FX rate, and a downloadable PDF receipt, no more wondering whether it went through.
Learn moreYour full activity feed is filterable by sent and received, with a timeline on every single transaction.
autopayke.com/track
Wallet & Passport
One Balance You Actually Control
Your balance is held in an account only you control. Top it up from M-Pesa or with a crypto deposit, cash out to M-Pesa or any of 40 Kenyan banks, and save the accounts you pay so they're one tap away. Share your AutoPayKe Passport QR to get paid, and get a notification the moment money lands.
Learn moreAutoPayKe is a payments technology provider, not a bank. Local payouts are executed by licensed settlement partners.
autopayke.com/wallet
Your Everyday Benefits
Everything you need to move money in Kenya, from one phone number.
See how it worksSign in with a phone number and a 6-digit code, then lock the app with your own PIN. A non-custodial smart wallet is set up for you on Avalanche, no seed phrase to lose, and no network fee to pay.
Top up from M-Pesa in seconds. Cash out to any M-Pesa number or to 40 Kenyan banks and SACCOs over PesaLink, and save the accounts you use so the next payout is one tap.
Pick someone from your contacts or type any number. If they're not on AutoPayKe yet, they get an SMS claim link; unclaimed money comes back to you automatically after 7 days.
Pay any till or PayBill from your balance. Merchants register their own till or PayBill, get paid by QR, and withdraw to it. Cooperatives pay every farmer with two-person approval.
In partnership with the Italian Trade Agency (ITA): piloting in Italy, October 2026, Rome & Naples
Get Paid In EUR. Invest Back Home In Africa.
Built for the Europe-based diaspora sending value home: starting with display support for EUR, so you can see your balance the way you think about it, before the full Italy pilot goes live.
This is a pilot, not a live EUR funding rail yet. We'd rather say that plainly than let you find out mid-transfer.
Start with Italy / EUThe rails behind
everyday money in Africa
Live now
Send and get paid in
- UgandaMobile moneyNigeriaMobile moneyGhanaMobile moneyTanzaniaMobile money
Now opening
South Africa
Next across Africa
- Rwanda
- Zambia
- Malawi
- Ethiopia
- Côte d’Ivoire
- Senegal
- Cameroon
- Egypt
Send from anywhere
Sending to Kenya from
Your money stays in a wallet only you control
Every account is its own smart contract wallet on Avalanche. AutoPayKe can only carry out the payments your wallet authorises, so we never hold your funds.
Money sent to someone who isn't on AutoPayKe yet waits in an on-chain escrow and comes back to you automatically after 7 days. The contracts are public, and an external audit is on our roadmap.
How we keep money safeBank payouts
Cash Out To M-Pesa Or Any Of 40 Kenyan Banks
Withdraw from your AutoPayKe balance straight to an M-Pesa number or a bank account over PesaLink, Kenya's instant bank-to-bank network. Save the accounts you use and pick them in one tap next time, for yourself or for someone you pay often.
- Equity, KCB, Co-op, NCBA, Absa, Stanbic, DTB, I&M and more
- Microfinance banks and SACCOs, including Faulu, KWFT, Stima and Unaitas
- Every fee shown before you confirm, with a receipt once it lands
40 banks and SACCOs
- EBEquity BankBank
- KBKCB BankBank
- CoCo-operative BankBank
- NBNCBA BankBank
- ABAbsa Bank KenyaBank
- SCStandard CharteredBank
- FBFamily BankBank
- DTDiamond Trust Bank (DTB)Bank
- IMI&M BankBank
- SBStanbic BankBank
- ABAfrican Banking Corporation (ABC)Bank
- BoBank of AfricaBank
- BoBank of BarodaBank
- CCitibankBank
- CKCIB Kenya (Mayfair)Bank
- CBConsolidated BankBank
- CBCredit BankBank
- DIDubai Islamic BankBank
- EKEcobank KenyaBank
- FCFirst Community BankBank
- GTGuaranty Trust Bank (GTBank)Bank
- GBGuardian BankBank
- GAGulf African BankBank
- HHFC (Housing Finance)Bank
- KBKingdom BankBank
- MEMiddle East BankBank
- NBNational Bank of KenyaBank
- OCOriental Commercial BankBank
- PBParamount BankBank
- PBPrime BankBank
- SBSBM Bank KenyaBank
- SBSidian BankBank
- UBUnited Bank for Africa (UBA)Bank
- VCVictoria Commercial BankBank
- FMFaulu Microfinance BankMicrofinance bank
- KWKenya Women Microfinance Bank (KWFT)Microfinance bank
- CMCaritas Microfinance BankMicrofinance bank
- CMChoice Microfinance BankMicrofinance bank
- SSStima SACCOSACCO
- USUnaitas SACCOSACCO
Coverage
Where You Can Send Today
L'invio a qualsiasi numero di telefono si sta attivando mercato per mercato.
Withdraw is live wherever Send is. This list is pulled from the same source the app uses, so a country only appears here once it works in the app.
The difference
What Makes AutoPayKe Different
Traditional remittance takes one to three business days and charges $5–$15 or more. We settle in seconds, and every fee, the FX spread plus any disclosed cash-out fee, is shown before you confirm.
AutoPayKeTraditional
IdentityPhone numberAccount + password
Wallet setupAutomatic, no seed phraseManual, technical
SettlementSeconds1–3 business days
Transfer feeFX spread + a disclosed fee, shown upfront$5–$15+ per transfer
Network gasSponsored (paymaster): never hold AVAXNot applicable
Non-user transfersSMS claim linkRequires an account
Local railsM-Pesa, MoMo, till & PayBillSWIFT / slow
Bank payouts40 Kenyan banks & SACCOs over PesaLinkBranch visit or SWIFT
Farmer receiptsSMS per lot, every deduction namedPaper slip, if any
Built on the networks and rails Africa already uses
MoMo
USDC
USDT
- Till & PayBill
- SMS & USSD receipts
- WhatsApp notifications
- ERC-4337 smart wallets
- Live mid-market FX
Frequently Asked Questions
All questionsDo I need a bank account to use AutoPayKe?
No. Your phone number is your account. Money lands on the mobile money service you already use, M-Pesa or MTN MoMo. If you do have a bank account, you can also cash out to any of 40 Kenyan banks and SACCOs.
Which banks can I withdraw to?
Any of 40 Kenyan banks, microfinance banks and SACCOs on PesaLink: Equity, KCB, Co-operative Bank, NCBA, Absa, Standard Chartered, Family, DTB, I&M, Stanbic, Faulu, KWFT, Stima SACCO, Unaitas and more. The full list is in the Bank payouts section above. Save the account once and it's one tap next time.
How do I add money?
Top up from M-Pesa: enter the amount, approve the prompt on your phone and it lands in your balance. You can also deposit USDC, USDT or AVAX straight to your own Avalanche address for free.
What does it cost?
Every send carries the FX spread built into the exchange rate you see before you confirm. A transfer that leaves AutoPayKe (to someone not yet on the app, a Withdraw, or a Merchant Pay payment) also carries a disclosed cash-out fee, shown on the review screen before you confirm. Direct AutoPayKe-to-AutoPayKe sends carry a small flat fee to cover network costs instead. Live rates and fees are always shown in the app before you confirm.
Do I have to understand crypto?
Not at all. Underneath, AutoPayKe settles in USDC and USDT on Avalanche, but you never see a seed phrase, a gas fee or a wallet address unless you go looking for one.
I'm a farmer. Do I need a smartphone?
No. Your cooperative pays you through AutoPayKe and you get an SMS receipt for every lot, with your kilos, the price and every deduction. Reply 1 to keep the money in your wallet or 2 to send it to M-Pesa, or dial the USSD menu. See the For farmers page for the whole journey.
Who controls my money?
You do. Every user gets their own ERC-4337 smart contract wallet on Avalanche C-Chain. AutoPayKe's relayer can only execute calls your wallet authorises. We never hold your funds directly.
What if nobody claims the money I sent?
Transfers to people without an account sit in an on-chain escrow contract for 7 days. If the money isn't claimed in that window it is automatically refunded to you. You can verify the contract yourself on the block explorer. This claim flow is live in Kenya, Ghana and Uganda; Nigeria's claim payout is still being finished.
What about identity checks and licensing?
We collect basic KYC details at sign-up, but full document verification with a licensed vendor is still being integrated, and our PSP licensing and data-protection registration conversations in Kenya are ongoing. We'd rather tell you that than claim a status we don't have yet.
Have the smart contracts been audited?
Not yet. An external security audit is on our roadmap and we will publish the report when it's done. Until then, the contracts are public and verifiable on-chain.
Which countries are live?
The live list is in the Coverage section above. It is pulled from the same source the app uses, so a country only shows as live once sending, withdrawing and claiming work there. Merchant Pay is live in Kenya today, with more markets rolling out as partner coverage is confirmed.
Your phone number is all you need
Create your account with your phone number. You're sending in minutes.