Kenya
Getting paid in Kenya
Money here has lived on phones for years — M-Pesa reaches far more people than bank accounts do. The problem was never local payments; it is cross-border: overseas clients cannot pay in, or what arrives has been eaten by fees and spreads.
How credit becomes KES here
- Spend it directly across the Tutu suite — zero fee, no bank and no M-Pesa needed.
- Top up Safaricom airtime: five minutes, no fee.
- Send to M-Pesa: about an hour, 1%.
- ★List it on the market for shillings; someone nearby buys it and escrow holds the credit until you confirm you were paid.
- Bank transfer takes 1–2 days at 2%.
No bank account at all?
That route was never the one meant for you. List your credit on the market, someone nearby buys it with local currency, and the credit stays in escrow until you confirm you were paid — no bank anywhere in the chain.
Read how trading works →