AutoPayKe
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Send moneyAny phone number, across AfricaReceive & Passport QRYour number, your QR codeAdd moneyTop up from M-Pesa in secondsCash outM-Pesa or any of 40 Kenyan banksWalletNon-custodial USDC, USDT & AVAX
FarmersNewHow farmers get paid, kilo by kiloCooperativesPay farmers with proof, lot by lotMerchant PayLive in KenyaTill and PayBill from your walletSettlement trackingEvery step, on the recordFeesHow AutoPayKe makes money
Send money to KenyaNewFrom the USA, UK, Europe, the Gulf and moreUSDC to M-PesaCash out stablecoins in shillingsKenyan banks40 banks and SACCOs over PesaLinkTill & PayBillPay bills and shops from your balanceFAQFees, speed, limits and safetyDevelopersPublic coverage and fees API
About usWho we are and why we buildSecurityNon-custodial, escrow, on-chainSupportTalk to a human
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Security

Verifiable, Not Just Reassuring

We avoid phrases like bank-level security, because they can't be checked. Instead, here is exactly how the system is built, what you can verify yourself on-chain, and what we haven't finished.

Architecture

You Hold The Wallet

Non-custodial by design

Every user has their own ERC-4337 smart contract wallet on Avalanche C-Chain. Our relayer can only execute calls the wallet authorises. It never holds your funds.

Escrow, not a black box

Money sent to a non-user sits in an on-chain escrow contract with a fixed 7-day expiry and automatic refund. That's enforced by code, publicly.

Privacy-preserving lookup

The phone-to-wallet registry stores a one-way hash of the number, never the number itself.

Gasless transactions

A paymaster sponsors network fees, so you don't need to manage a gas balance to protect your access to your own money.

Transparency

What You Can Check Yourself

Every transaction (wallet addresses, amounts, timestamps) is recorded publicly on Avalanche. Your personal identity is not: phone numbers only ever appear on-chain as one-way hashes.

Settlement is multi-asset in USDC and USDT, both pegged 1:1 to the US dollar, plus native AVAX. AutoPayKe runs on Avalanche mainnet, see "What Isn't Done Yet" below for what still has to close out, including the independent security audit.

Honest gaps

What Isn't Done Yet

We update this section as each item closes.

Smart contract audit

Outstanding

An external audit has not been completed. It's on the roadmap and the report will be published when it exists.

Identity verification

Outstanding

We collect KYC details but full document and liveness verification with a licensed vendor is not yet integrated, so we don't claim verified identity.

Licensing

In progress

PSP licensing with the Central Bank of Kenya and ODPC data protection registration are in progress, not complete.

Recipient name checks

Rail limit

No rail we use supports recipient-name verification today. Always confirm the number before you send.

Your phone number is all you need

Create your account with your phone number. You're sending in minutes.

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