Built for Kenya's 1M+ boda boda riders

Turn daily rides into dollar savings & portable credit.

PikiPesa routes M-Pesa fares into auto-saved USD stability and builds a rider-owned credit score that breaks the 40% APR loan trap.

See How It Works View $15K Pilot Scope
40%
APR trap today
10%
Auto-swept to USD
0
Behaviour change
09:41Safaricom

M-PESA · Confirmed

You have received KES 250.00 from passenger till TF4R9K.

Auto-sweep 10% · settling

USD Vault

$82.50

+12% hedged vs KES

Today's fares

KES 1,840
Non-custodial · no crypto knowledge needed

Reality vs. PikiPesa

The asset-finance trap, replaced by an invisible financial identity.

Same tills. Same M-Pesa. A completely different financial outcome at the end of every month.

The PikiPesa Loop

Invisible financial identity

  • Zero behaviour change

    Fares are received and spent on the same standard M-Pesa tills riders already use.

  • Dollar hedge, automatic

    A daily percentage sweep parks earnings in USD stability — no apps to learn, no jargon.

  • Portable credit identity

    Every shilling earned is immutably recorded, forming a self-owned score riders carry anywhere.

  • Cheaper, fairer credit

    Verified income history unlocks SACCO loans at a fraction of asset-finance rates.

The engine

Five steps that run every single day, without the rider lifting a finger.

Receive

Fares hit a standard M-Pesa till

Passengers pay exactly as they do today — C2B or STK Push through the Daraja API. No new app, no new habit for the rider or the customer.

Daraja C2B + STK Push
Instant SMS confirmation
Stage till or personal till

Rider-facing language stays financial, never technical — "savings", "vault", "credit health".

Rider dashboard

A dashboard riders already understand.

No wallets, no seed phrases — just savings, credit health and everyday language riders trust, built on the M-Pesa experience they already know.

  • Familiar language

    Savings, vault and credit health — never wallets, keys or crypto jargon.

  • Verified, rider-owned record

    Every fare, sweep and spend logs automatically into a credit history the rider owns.

  • Works on any phone

    A full dashboard for smartphones, simple SMS/USSD prompts for the rest.

9:41Safaricom
JO

Juma O.

Stage: Juja Central

Verified

Total earnings

KES 14,200

Rolling 30 days · all fares

USD Vault

$82.50

+12% hedged

Credit

A+

12% APR unlocked

Recent activity

  • Fare received via M-PesaToday, 6:42 PM+ KES 180
  • Auto-sweep 10% to USD VaultToday, 6:42 PM+ $0.14
  • Fuel paid via TillYesterday, 5:10 PM− KES 400

Auto-save rule

10%

Riders raise, lower or pause anytime

Non-custodial · no crypto knowledge needed

For SACCOs & stages

Underwrite real income, not collateral and kill-switches.

Stage chairpersons onboard their riders in minutes. SACCOs get a verified, consent-based income feed and a treasury that finally earns dollar stability.

Stage onboarding

Bulk enrol a full stage under one chairperson.

Loan book quality

Default risk priced on verified daily earnings.

Dollar treasury

SACCO reserves hedged against KES depreciation.

Consent-based data

Riders grant and revoke lender access themselves.

Traction & roadmap

$15K Instaward pilot — four months, one working loop.

M1Phase 1

M-Pesa Daraja collection & VASP anchor settlement

  • Daraja C2B + STK Push
  • Anchor USD settlement
  • Rider KYC-lite onboarding
In build
M2Phase 2

Auto-save sweep logic & rider dashboard UI

  • Configurable sweep %
  • Vault balances
  • USSD + SMS fallback
Scoped
M3Phase 3

Invisible just-in-time till spend & stage deployment

  • JIT USD→KES off-ramp
  • Fuel & spares tills
  • First pilot stage
Scoped
M4Phase 4

Credit score data model + SACCO treasury path

  • Earnings-based scoring
  • SACCO underwriting API
  • Treasury expansion
Planned