For fintechs & PSPs

Build on a balanced core and a clean API.

Don't rebuild a ledger, KYC and settlement from scratch. Launch your product on PesaBridge and spend your time on the experience and the go-to-market.

Why fintechs & psps choose PesaBridge

Investors fund traction, not platform plumbing. The balanced ledger, the KYC and settlement layer, and the rail integrations are the unglamorous, high-risk parts that quietly consume eighteen months. PesaBridge gives you that core out of the box — wallets, transactions, idempotency and reversals — plus a Daraja-style API, so you spend your engineering on the product and experience that actually differentiate you.

Launch your own apps and web product on top, connect the rails your market needs through adapters, and reconcile through signed webhooks. You go to market in weeks with lower build and compliance risk, and you keep your edge where it matters.

The challenge

What gets in the way.

A correct, balanced ledger is the hard, unglamorous part — and the riskiest to get wrong.
Collections and payouts mean integrating many rails and reconciling each one.
Investors want to see traction, not eighteen months of platform plumbing.

Outcomes

Launch in weeks
Lower build and compliance risk
Focus engineering on your edge

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How PesaBridge helps

What you switch on for fintechs & psps.

Ledger as a service

Double-entry, idempotent, reversible — wallets and transactions out of the box.

Daraja-style API

OAuth2, sandbox, prompt-to-pay (STK) and signed webhooks.

Pluggable rails

Banks, mobile money, cards and PSPs behind one adapter interface.

White-label apps

Native apps and web portals you ship as your own product.

How it works

How money moves.

Every step settles on the same balanced ledger — cash in, wallet, payments, cash out — across apps, USSD and agents.

STEP 1

Cash in

A customer deposits cash with an agent. Agent float debits, the wallet credits — balanced.

STEP 2

Wallet

Value lands in a stored-value wallet on the double-entry ledger, PIN- and KYC-gated.

STEP 3

Send & pay

Send to another wallet, Pay Bill, Buy Goods by QR or STK, buy airtime — instantly.

STEP 4

Cash out

Withdraw at any agent; the agent float credits and the wallet debits.

How customers transact

The flows fintechs & psps run most.

Switch between the journeys that matter to your segment. Every one checks balance and limits, then waits for PIN or biometric authorisation before a single entry hits the ledger.

Send money in-app

Wallet-to-wallet or wallet-to-bank, settled in seconds on a balanced ledger.

Authorised with PIN or biometric — nothing posts to the ledger until the customer confirms.

Balance & limit checked first
Validation / authorisation gate
Balanced debits & credits posted

Customer

System

CustomerOpen the app, tap Send

CustomerPick recipient — contacts or recent

CustomerEnter the amount

System · validatesCheck KYC tier, balance & daily limit

SystemShow fee & confirmation

Customer · validatesAuthorise — PIN or biometric

SystemPost balanced debit & credit

SystemCredit recipient's wallet

SystemPush + SMS receipt

System · doneSent · reference shown

Step Validation / PIN Completed

Build vs. PesaBridge

Why not build it yourself?

You could. Here's what each piece costs in time and risk when you start from zero — versus switching it on.

Capability

Build it yourself

With PesaBridge

Balanced double-entry ledger

Months of careful engineering — and the riskiest part to get wrong

Out of the box, reconciled to zero

KYC tiers, limits & AML

Build, test and certify yourself

Configurable, regulator-ready

Agent & float network

Design float, commissions, reconciliation from scratch

Full agent / super-agent engine

USSD channel

Integrate a gateway and build the menu engine

Whole wallet over USSD, included

Native apps (User/Agent/Merchant/Corp)

Four apps × two platforms to build & maintain

Shipped, themed from your brand

Developer API & webhooks

Design, document, secure and version it

OAuth2, sandbox, signed webhooks

Rail integrations

One-off builds per provider

Pluggable adapters

Time to market

12–24 months, large team

Weeks

Countries you can launch in

Native apps, one platform

Channels — App · USSD · Web · API

Double-entry, always balanced

Ready to launch your wallet?

Book a demo and we'll stand up your brand, country and rails — and walk you through the apps, admin and API.

Book a demo Test drive first