# AutoPayKe > AutoPayKe is a phone-first money app for Kenya and Africa, run by AutoPayKe Limited (Nairobi). People send money to any phone number, top up from M-Pesa, cash out to M-Pesa or 40 Kenyan banks and SACCOs over PesaLink, pay any M-Pesa Till or PayBill, and hold USDC, USDT and AVAX in a non-custodial ERC-4337 smart wallet on Avalanche C-Chain. Kenyans abroad send money home by buying USDC or USDT and sending it on Avalanche C-Chain to their recipient's AutoPayKe address; the recipient cashes out in Kenyan shillings, usually within minutes. Cooperatives pay farmers in bulk to M-Pesa with SMS receipts and track coffee lots against the 5-day payment rule. Key facts: - Website: https://www.autopayke.com (English) and https://www.autopayke.com/it (Italian). App: installable web app (PWA), sign up with a phone number. - Deposits: USDC and USDT on Avalanche C-Chain only. Other networks (Ethereum, Tron/TRC-20, BNB Chain, Solana) do not reach an AutoPayKe address. - M-Pesa cash-outs: KES 10 to KES 150,000 per withdrawal. Bank cash-outs over PesaLink to 40 banks, microfinance banks and SACCOs. - Fees: an FX spread in the rate, plus a disclosed cash-out fee when money leaves AutoPayKe; shown before every confirmation. Published live at https://api.autopayke.com/api/v1/fees/published. - Sending to people not on AutoPayKe: an on-chain escrow with a claim link by SMS/WhatsApp, refunded automatically after 7 days (Kenya, Ghana, Uganda). - Status: Kenyan payment-service licensing and an external smart-contract audit are in progress. - API docs: https://www.autopayke.com/developers · OpenAPI: https://www.autopayke.com/openapi.json - Public API (no key): GET https://api.autopayke.com/api/v1/capabilities?country=KE&direction=payout · GET https://api.autopayke.com/api/v1/fees/published · GET https://api.autopayke.com/api/v1/fees/quote?product=cashout&amount=40¤cy=USDC - Support: autopayke@gmail.com · Developers: developers@autopayke.com Partner API (for businesses paying people in Kenya): - Keys from the Console at https://console.autopayke.com. Send "Authorization: Bearer ". apk_test_ keys = sandbox (no real money, available at once); apk_live_ keys = real money, after live access is approved and each key is approved by AutoPayKe. - Base URL https://api.autopayke.com, paths under /api/v1. Same host for test and live; the key prefix picks the environment. - Payouts: POST /api/v1/payouts with an Idempotency-Key header. amount = integer KES cents, whole shillings (150000 = KES 1,500). destination: mobile_money {phone, network?}, till {till_number}, paybill {paybill_number, account_number}, bank {bank_code, account_number, account_name}. Paid from the workspace's USDC balance. - Statuses: pending → processing → succeeded (may later be reversed), or failed; in_review holds a payout for a manual check. Results arrive by signed webhooks (AutoPayKe-Signature: t=…,v1=HMAC-SHA256(secret, "t.rawBody")). - Errors: {"ok": false, "error", "code", "requestId"}; branch on code. Retry only network errors, 5xx, RATE_LIMITED, IDEMPOTENCY_IN_PROGRESS, CAPABILITY_PAUSED and METHOD_UNAVAILABLE, with the same Idempotency-Key. - Sandbox values: +254700000001 succeeds, +254700000002 fails, +254700000003 in_review, +254700000004 reverses, amount 13300 times out, account 0000000000 fails. - Start: https://www.autopayke.com/developers/quickstart · Agent brief: https://www.autopayke.com/developers/ai-agents ## Guides - [How to Send Money to Kenya From Abroad (M-Pesa & Bank) | AutoPayKe](https://www.autopayke.com/send-money-to-kenya): Send money to Kenya from the USA, UK, Europe, the UAE or anywhere: pay with USDC or USDT and your family receives Kenyan shillings on M-Pesa or in any of 40 banks, usually within minutes. Every fee is shown before you confirm. - [Send Money to Kenya from the USA, M-Pesa & Bank | AutoPayKe](https://www.autopayke.com/send-money-to-kenya/from-usa): How to send money to Kenya from the USA: buy USDC or USDT with USD, send it on Avalanche and your recipient gets Kenyan shillings on M-Pesa or in any of 40 banks, usually within minutes. Fees shown before you confirm. - [Send Money to Kenya from the UK, M-Pesa & Bank | AutoPayKe](https://www.autopayke.com/send-money-to-kenya/from-uk): How to send money to Kenya from the UK: buy USDC or USDT with GBP, send it on Avalanche and your recipient gets Kenyan shillings on M-Pesa or in any of 40 banks, usually within minutes. Fees shown before you confirm. - [Send Money to Kenya from Canada, M-Pesa & Bank | AutoPayKe](https://www.autopayke.com/send-money-to-kenya/from-canada): How to send money to Kenya from Canada: buy USDC with CAD, send it on Avalanche and your recipient gets Kenyan shillings on M-Pesa or in any of 40 banks, usually within minutes. Fees shown before you confirm. - [Send Money to Kenya from the UAE, M-Pesa & Bank | AutoPayKe](https://www.autopayke.com/send-money-to-kenya/from-uae): How to send money to Kenya from the UAE: buy USDC or USDT with AED, send it on Avalanche and your recipient gets Kenyan shillings on M-Pesa or in any of 40 banks, usually within minutes. Fees shown before you confirm. - [Send Money to Kenya from Germany, M-Pesa & Bank | AutoPayKe](https://www.autopayke.com/send-money-to-kenya/from-germany): How to send money to Kenya from Germany: buy USDC with EUR, send it on Avalanche and your recipient gets Kenyan shillings on M-Pesa or in any of 40 banks, usually within minutes. Fees shown before you confirm. - [Send Money to Kenya from Italy, M-Pesa & Bank | AutoPayKe](https://www.autopayke.com/send-money-to-kenya/from-italy): How to send money to Kenya from Italy: buy USDC with EUR, send it on Avalanche and your recipient gets Kenyan shillings on M-Pesa or in any of 40 banks, usually within minutes. Fees shown before you confirm. - [Send Money to Kenya from France, M-Pesa & Bank | AutoPayKe](https://www.autopayke.com/send-money-to-kenya/from-france): How to send money to Kenya from France: buy USDC with EUR, send it on Avalanche and your recipient gets Kenyan shillings on M-Pesa or in any of 40 banks, usually within minutes. Fees shown before you confirm. - [Send Money to Kenya from the Netherlands, M-Pesa & Bank | AutoPayKe](https://www.autopayke.com/send-money-to-kenya/from-netherlands): How to send money to Kenya from the Netherlands: buy USDC with EUR, send it on Avalanche and your recipient gets Kenyan shillings on M-Pesa or in any of 40 banks, usually within minutes. Fees shown before you confirm. - [Send Money to Kenya from Ireland, M-Pesa & Bank | AutoPayKe](https://www.autopayke.com/send-money-to-kenya/from-ireland): How to send money to Kenya from Ireland: buy USDC with EUR, send it on Avalanche and your recipient gets Kenyan shillings on M-Pesa or in any of 40 banks, usually within minutes. Fees shown before you confirm. - [Send Money to Kenya from Australia, M-Pesa & Bank | AutoPayKe](https://www.autopayke.com/send-money-to-kenya/from-australia): How to send money to Kenya from Australia: buy USDC or USDT with AUD, send it on Avalanche and your recipient gets Kenyan shillings on M-Pesa or in any of 40 banks, usually within minutes. Fees shown before you confirm. - [Convert USDC or USDT to M-Pesa in Kenya (Step-by-Step) | AutoPayKe](https://www.autopayke.com/usdc-to-mpesa): Cash out USDC or USDT to M-Pesa in Kenyan shillings: deposit on Avalanche C-Chain to your own AutoPayKe wallet, then withdraw to any M-Pesa number or 40 Kenyan banks. See the rate and fee before you confirm. - [Send Money to Any Kenyan Bank or SACCO via PesaLink | AutoPayKe](https://www.autopayke.com/kenyan-banks): Withdraw to 40 Kenyan banks, microfinance banks and SACCOs (Equity, KCB, Co-operative Bank, NCBA, Absa, Stanbic, Family, DTB, I&M and more) over PesaLink, from USDC or USDT. Full list, steps, limits and fees. - [Pay Any M-Pesa Till or PayBill With USDC or USDT | AutoPayKe](https://www.autopayke.com/mpesa-till-paybill-with-usdc): Pay rent, school fees, KPLC tokens, water bills and shops on any M-Pesa Till or PayBill number straight from your AutoPayKe balance in USDC or USDT, from Kenya or from abroad. Amount and fee shown before you confirm. - [Bulk M-Pesa Payments for Cooperatives: Pay Farmers With Proof | AutoPayKe](https://www.autopayke.com/bulk-mpesa-payments-for-cooperatives): Pay hundreds of farmers to M-Pesa or their bank in one approved run, send every farmer an SMS receipt in English or Swahili, and track each coffee or tea lot against the 5-day payment rule. Built for Kenyan cooperatives, unions and marketing agents. - [Guides: Send Money to Kenya, M-Pesa, Banks and Stablecoins | AutoPayKe](https://www.autopayke.com/guides): Step-by-step guides to sending money to Kenya from abroad, converting USDC and USDT to M-Pesa, withdrawing to Kenyan banks, paying Tills and PayBills, and paying farmers in bulk. - [AutoPayKe FAQ: Fees, Speed, Safety, M-Pesa and Stablecoins](https://www.autopayke.com/faq): Answers to the questions people ask most about AutoPayKe: sending money to Kenya, M-Pesa and bank cash-outs, USDC and USDT, fees and exchange rates, limits, safety, licensing and paying farmers. - [FAQ and glossary · AutoPayKe API docs](https://www.autopayke.com/developers/faq): Short answers to common questions, and the terms these docs use. ## Product - [AutoPayKe: Send Money to Kenya: M-Pesa, Banks & Farmers](https://www.autopayke.com/): KES 2.5M+ settled. Cooperatives pay farmers straight to M-Pesa or their bank, with an SMS receipt for every lot. Top up with M-Pesa, pay any till or PayBill, and cash out to 40 Kenyan banks and SACCOs, all with just a phone number. - [Personal: Send, Receive and Hold Money With a Phone Number | AutoPayKe](https://www.autopayke.com/personal): Send money to any phone number in Africa, top up from M-Pesa, cash out to M-Pesa or 40 Kenyan banks and SACCOs, receive with your AutoPayKe Passport QR, and hold USDC, USDT and AVAX in a non-custodial wallet. - [Business: Merchant Pay, Settlement and Fees | AutoPayKe](https://www.autopayke.com/business): Pay tills and PayBill numbers from your AutoPayKe balance, track every settlement step with receipts, and see exactly how our fees work. - [Cooperatives: Farmer Payments With Proof | AutoPayKe](https://www.autopayke.com/cooperatives): Track every lot from sale to farmers paid, meet the 5-day payment rule with proof, pay farmers to M-Pesa with maker-checker approval, and send every farmer an SMS receipt in English or Swahili. - [Farmers: Paid For Every Kilo, With Proof | AutoPayKe](https://www.autopayke.com/farmers): How farmers get paid through AutoPayKe: every delivery weighed and recorded, an SMS receipt for every lot with each deduction named, the 5-day payment clock, and your money to your wallet, M-Pesa or any of 40 Kenyan banks. No smartphone needed. - [About AutoPayKe: Phone-First Money For Africa](https://www.autopayke.com/about): AutoPayKe Limited builds phone-number-first money for Africa: funds you control, secure escrow and local settlement. Here's who we are and what is actually live. - [Security: Non-Custodial Wallets, On-Chain Escrow | AutoPayKe](https://www.autopayke.com/security): How AutoPayKe protects your money: ERC-4337 smart wallets you control, on-chain escrow with automatic refunds, hashed phone lookups, and an honest account of what isn't done yet. - [Support: Get Help With AutoPayKe](https://www.autopayke.com/support): Contact the AutoPayKe team, check what to do about a pending transfer or an unclaimed link, and see where the product is available today. ## Developers - [AutoPayKe API Docs: M-Pesa, Bank and Till Payouts from USDC](https://www.autopayke.com/developers): Developer documentation for the AutoPayKe API: API keys, a sandbox, payouts to M-Pesa, Airtel Money, Tills, PayBills and Kenyan banks, signed webhooks, idempotency and errors, with cURL, JavaScript and Python samples and an OpenAPI file. - [Introduction · AutoPayKe API docs](https://www.autopayke.com/developers/introduction): What the AutoPayKe API does, who it's for, and how workspaces, keys, balances, payouts and webhooks fit together. - [Quickstart · AutoPayKe API docs](https://www.autopayke.com/developers/quickstart): A test key, test money and a test M-Pesa payout that succeeds, in five minutes. - [API keys · AutoPayKe API docs](https://www.autopayke.com/developers/api-keys): Test and live keys, scopes, IP allowlists, expiry, rolling, revoking, and how live keys are approved. - [Sandbox and test values · AutoPayKe API docs](https://www.autopayke.com/developers/sandbox): Phone numbers, amounts and accounts that force every payout outcome, test money, and simulating statuses. - [Going live · AutoPayKe API docs](https://www.autopayke.com/developers/going-live): The live access application, what we check, plans and limits, capabilities, pricing and the first live payout. - [Public endpoints · AutoPayKe API docs](https://www.autopayke.com/developers/public-endpoints): Check coverage and price a cash-out with no key at all. - [About AutoPayKe · AutoPayKe API docs](https://www.autopayke.com/developers/about-autopayke): The product, the chain and the account API behind the AutoPayKe apps. - [Authentication · AutoPayKe API docs](https://www.autopayke.com/developers/authentication): API keys for integrations, account tokens for the apps, and which endpoints need which. - [Requests and responses · AutoPayKe API docs](https://www.autopayke.com/developers/requests-and-responses): Base URL, the { ok, data } envelope, amounts in minor units and CORS. - [Idempotency · AutoPayKe API docs](https://www.autopayke.com/developers/idempotency): Make retries safe: how Idempotency-Key works, how to choose keys, and a retry loop that can't pay twice. - [Pagination · AutoPayKe API docs](https://www.autopayke.com/developers/pagination): Cursor pagination with limit and starting_after, and walking every page. - [Errors · AutoPayKe API docs](https://www.autopayke.com/developers/errors): Every error code, its HTTP status, whether to retry and what to do. - [Rate limits · AutoPayKe API docs](https://www.autopayke.com/developers/rate-limits): Requests a second per key, the headers that report them, and the money limits per plan. - [Versioning and changelog · AutoPayKe API docs](https://www.autopayke.com/developers/versioning): What can change within v1, how breaking changes are announced, and what's new. - [Payouts · AutoPayKe API docs](https://www.autopayke.com/developers/payouts): Send KES to M-Pesa, Airtel Money, Tills, PayBills and banks: destinations, amounts, statuses, failures, quotes and fees. - [Recipient verification · AutoPayKe API docs](https://www.autopayke.com/developers/recipient-verification): Check the name on a number or account before you pay it. - [Funding your balance · AutoPayKe API docs](https://www.autopayke.com/developers/funding): Fund live payouts with USDC or USDT on Avalanche, or from M-Pesa in the app, and watch the balance. - [Fees and pricing · AutoPayKe API docs](https://www.autopayke.com/developers/fees): What on-ramp and off-ramp cost, read live from the same settings every charge uses, with a calculator. - [Coverage and limits · AutoPayKe API docs](https://www.autopayke.com/developers/coverage): The countries, mobile money operators, Tills, PayBills and banks money can reach today, and per-transaction limits. - [Top-ups (on-ramp) · AutoPayKe API docs](https://www.autopayke.com/developers/on-ramp): Bring money in from M-Pesa, card or bank transfer and follow it until it's in the balance. - [Cash-outs (off-ramp) · AutoPayKe API docs](https://www.autopayke.com/developers/off-ramp): How a signed-in person sends money out to M-Pesa, Airtel Money, Tills, PayBills and Kenyan banks. - [Payment links · AutoPayKe API docs](https://www.autopayke.com/developers/payment-links): Ask anyone to pay you with a link they can pay by M-Pesa or card, no account needed. - [Real-time status · AutoPayKe API docs](https://www.autopayke.com/developers/real-time-status): Follow an app payment as it moves: server-sent events or polling, and what each status means. - [Webhooks · AutoPayKe API docs](https://www.autopayke.com/developers/webhooks): Every event type, the payload, verifying signatures in five languages, retries, duplicates and ordering. - [Reconciliation · AutoPayKe API docs](https://www.autopayke.com/developers/reconciliation): Match payouts to your records, check daily, and account for fees and returns. - [Security · AutoPayKe API docs](https://www.autopayke.com/developers/security): How we protect your integration, what we ask you to do, and what to do if a key leaks. - [Go-live checklist · AutoPayKe API docs](https://www.autopayke.com/developers/testing-checklist): Everything to test in the sandbox before you take real money through the API. - [Client libraries · AutoPayKe API docs](https://www.autopayke.com/developers/client-libraries): Copy-paste TypeScript and Python clients with retries and pagination, and the OpenAPI file for any language. - [App SDK and OpenAPI · AutoPayKe API docs](https://www.autopayke.com/developers/sdks): A typed client for the public and account endpoints, Python helpers and the OpenAPI description. - [AI agents and llms.txt · AutoPayKe API docs](https://www.autopayke.com/developers/ai-agents): Docs for language models, a brief to give your coding agent, and the rules for agents that move money. - [On-chain contracts · AutoPayKe API docs](https://www.autopayke.com/developers/on-chain): The Avalanche C-Chain contracts behind every balance: smart wallets, escrow, the phone registry and the paymaster. - [Support and legal · AutoPayKe API docs](https://www.autopayke.com/developers/support): Who to contact for what, what to include, status and the terms that apply. - [FAQ and glossary · AutoPayKe API docs](https://www.autopayke.com/developers/faq): Short answers to common questions, and the terms these docs use. - [Partner access · AutoPayKe API docs](https://www.autopayke.com/developers/partner-access): Working with us at volume and staying up to date. - [Overview · AutoPayKe API reference](https://www.autopayke.com/developers/api/overview): Every endpoint at a glance, grouped by what it does. - [Account, balance and banks · AutoPayKe API reference](https://www.autopayke.com/developers/api/partner-account): Who the key belongs to, its limits and today's usage, the balance payouts are paid from, and the bank codes payouts accept. - [Payouts · AutoPayKe API reference](https://www.autopayke.com/developers/api/payouts): Send KES to M-Pesa, Airtel Money, Till (Buy Goods), PayBill and Kenyan bank accounts, paid from your USDC balance. Quote first, then create, then follow the status. - [Recipients · AutoPayKe API reference](https://www.autopayke.com/developers/api/recipients): Check who owns a phone number or bank account before you pay it. - [Transactions and receipts · AutoPayKe API reference](https://www.autopayke.com/developers/api/transactions): Everything that moved money in the workspace (API payouts and anything else on the account), with receipts you can send to recipients or auditors. - [Events · AutoPayKe API reference](https://www.autopayke.com/developers/api/events): A record of everything that happened to your objects. The same events your webhooks receive; read them here to catch up after downtime. - [Webhook endpoints · AutoPayKe API reference](https://www.autopayke.com/developers/api/webhook-endpoints): Manage where we send events, from code. The Console does the same; use whichever suits your deploys. - [Sandbox · AutoPayKe API reference](https://www.autopayke.com/developers/api/sandbox): Test-only helpers: top up your test balance and force a test payout into any status. They answer NOT_FOUND to live keys. - [Capabilities · AutoPayKe API reference](https://www.autopayke.com/developers/api/capabilities): Where money can come from and go to right now: countries, methods, mobile money operators and per-transaction limits. - [Fees · AutoPayKe API reference](https://www.autopayke.com/developers/api/fees): The prices AutoPayKe publishes, and an itemised quote for any amount, the same figures the app charges against. - [Payment links (payer) · AutoPayKe API reference](https://www.autopayke.com/developers/api/payment-links): The public side of a payment link: what the payer sees, paying it, and following the payment. No account is needed to pay. - [Top-ups · AutoPayKe API reference](https://www.autopayke.com/developers/api/funding): Money in: add funds to an AutoPayKe balance from mobile money, card or bank transfer, then follow the top-up until it is credited. - [Balance · AutoPayKe API reference](https://www.autopayke.com/developers/api/balance): What the account holds, what it can send and withdraw, and anything on hold. - [Payout accounts · AutoPayKe API reference](https://www.autopayke.com/developers/api/destinations): Saved places to send money out to: mobile money numbers and bank accounts, with the name on the account checked before you save it. - [Saved cards · AutoPayKe API reference](https://www.autopayke.com/developers/api/cards): References to cards used for top-ups: brand and last four digits only. Cards are saved by the hosted checkout, never by posting card details. - [Payment requests · AutoPayKe API reference](https://www.autopayke.com/developers/api/payment-requests): Ask anyone to pay you: create a link, share it, and see when it's paid. The payer side is under Payment links (payer). ## Optional - [Privacy Policy · AutoPayKe](https://www.autopayke.com/legal/privacy): How AutoPayKe Limited collects, uses, stores and protects your personal data, and the rights you have over it. - [Terms of Service · AutoPayKe](https://www.autopayke.com/legal/terms): The terms that govern your use of AutoPayKe: accounts, transfers, fees, cash-outs, wallets and your responsibilities. - [AutoPayKe Status](https://www.autopayke.com/status): Live status of AutoPayKe services: sign-in, transfers, cash-out, merchant payments and more, with incident history and scheduled maintenance. - [Full text of every page](https://www.autopayke.com/llms-full.txt): the content of all pages above, as plain text. - [Italian version](https://www.autopayke.com/it): the whole site and app in Italian.