Kenya's
Financial
Super-App
Send money, save in groups, borrow confidently, and grow your wealth — all in one place. Seamlessly connected to M-Pesa and built for Kenyans.
50,000+ Kenyans trust us
Good morning,
Wanjiru 👋
Total Balance
KES 100,000
RECENT ACTIVITY
Just now
+KES 5,000
2m ago
KES 2,000
5m ago
-KES 1,500
0+
Active Users
0.0B+
KES Transacted
0+
Chama Groups
0.0%
Uptime SLA
Everything you need,
nothing you don't
From your first transaction to building generational wealth, HazinaPay grows with you at every stage.
M-Pesa Integration
Seamlessly send, receive, and withdraw via M-Pesa. Link your Safaricom number and transact in seconds — no bank account required.
Chama & Group Savings
Create or join savings circles, run merry-go-round funding, set shared goals, and manage group finances with full transparency.
Peer-to-Peer Lending
Borrow from real people in your network. Apply, get scored, and receive disbursements — or lend and earn competitive interest.
SMS Credit Scoring
Our AI analyses your M-Pesa and banking SMS history to build a dynamic credit score — no formal credit history needed.
Estate Planning
Create digital wills, assign beneficiaries, manage asset inheritance, and ensure loved ones are protected — all in-app.
Asset Tokenization
Invest fractionally in real-world assets. Tokenize property, equipment, or ventures and trade ownership transparently.
Goals & Gamification
Set personal goals, earn badges, build savings streaks, and unlock rewards. Saving money has never felt this rewarding.
KYC & Compliance
AI-powered document verification, biometric authentication, and full regulatory compliance — secure and instant onboarding.
Up and running in
under 5 minutes
No paperwork. No bank visits. No waiting. Download, verify, and start managing your money like a pro.
Download & Register
Get the HazinaPay app, enter your phone number, and verify your identity with AI-powered KYC in under 2 minutes.
Link M-Pesa
Connect your Safaricom M-Pesa account instantly. Your existing balance is immediately accessible inside HazinaPay.
Send, Save & Borrow
Transfer money, join savings groups, apply for loans, or invest in assets — all from one beautifully simple dashboard.
Grow Your Wealth
Track goals, earn interest, build credit history, tokenize assets, and create an estate plan for the next generation.
Ready to take control of your finances?
Join 50,000+ Kenyans already using HazinaPay. Free forever for basic features.
One app, endless possibilities
Smart Digital Wallet
Send, receive, and store money effortlessly
Your HazinaPay wallet is the heart of your financial life. Top up from M-Pesa, send money to any phone number, pay bills, and withdraw — all with bank-grade security.
- Instant M-Pesa deposits & withdrawals
- Send to any Kenyan phone number
- Pay utilities, airtime & subscriptions
- Smart transaction categorisation
- Biometric lock & PIN protection
- Real-time push notifications
Smart Digital Wallet
Instant M-Pesa deposits & withdrawals and 5 more powerful features.
Kenyans are already
transforming their finances
“HazinaPay transformed how my chama manages money. Everything is transparent and automated. We've saved over KES 400K in six months!”
Wanjiru Kamau
Small Business Owner, Nairobi
“The SMS credit scoring is genius. I had no formal credit history, but HazinaPay built a score from my M-Pesa usage and I got a loan within hours.”
Brian Otieno
Freelance Developer, Kisumu
“The badges, streaks, and progress tracker make saving feel like a game. I hit my house deposit goal 3 months early!”
Amina Hassan
Teacher, Mombasa
“The estate planning feature is something I never expected in an African fintech app. I've created a digital will for my children. Incredible.”
Korir Mutai
Logistics Manager, Eldoret
“Bulk payments to my team used to take an hour every Friday. Now HazinaPay does it in 30 seconds. I've saved countless hours every month.”
Mercy Njoroge
Entrepreneur, Nakuru
“Even as a student, I feel like a serious investor. I tokenized a share in a business with friends and we track returns right in the app.”
Daniel Cheruiyot
Student, Nairobi