Kenya: M-PESA, Mobile Lending & Banking App Integration
Kenya is the market where mobile money became mainstream. M-PESA from Safaricom is the default rail for P2P, merchant pay, bills and savings, and its super app surfaces on the free-finance chart as My OneApp. Around it sit a thinner bank-app set (KCB, Equity, Co-operative Bank) and the world's densest mobile-lending layer — Tala, Zenka, M-KOPA, Hypera Cash and dozens of digital credit apps.
We build authorized integrations for those wallets, banks and lenders — M-PESA balances and transaction history, bank ledgers and statements, credit limits, disbursement and repayment schedules — so partners reconcile against structured data instead of consumer-app screenshots.
Tell us the Kenyan app and the wallet, bank or credit objects you need; we deliver runnable, documented source code (packaged API first for UAT, source after acceptance).
Regulated by the Central Bank of Kenya, M-PESA and its agent network made account-to-account mobile money near-universal long before formal open banking, and digital credit providers now lend at national scale through the same rails. Whether you need M-PESA wallet reads, KCB/Equity statement automation or nano-loan repayment status, we scope the named app rather than a single Kenya-wide connector. Asset-finance products such as M-KOPA are scoped as lender surfaces with usage-based repayment schedules, not as wallet balance APIs.
Popular finance apps
App roster from Google Play free finance rankings (enriched snapshots). Names link to Play when a package id is known.
Wallets & Payments
| # | App | Developer | Rating |
|---|---|---|---|
| 1 | My OneApp | Safaricom PLC | 4.3 |
| 19 | MiniPay- Stablecoin Wallet | Opera | 4.3 |
| 27 | PayPal | PayPal Mobile | 4.2 |
| 42 | Voye: Global Transfer | Cede Technologies | 3.4 |
| 44 | Timiza | Absa Group Limited. | 4.2 |
| 48 | Sawa Cash | JSB Blueboys | 4.4 |
Mobile Banking
| # | App | Developer | Rating |
|---|---|---|---|
| 6 | KCB Mobile | KCB BANK GROUP | 4.6 |
| 18 | Equity Mobile | Equity Group | 4.7 |
| 34 | Co-op Bank Mobile Banking App | Co-operative Bank of Kenya Ltd | 4.7 |
Digital Lending
| # | App | Developer | Rating |
|---|---|---|---|
| 2 | Hypera Cash | Hyperiom Limited | 4.5 |
| 3 | ZK Pesa- Instant Loan Solution | Chapeo Capital Limited | 4.3 |
| 4 | Zenka Loan App Kenya | Zenka Digital Limited | 4.2 |
| 5 | Tuma Loan | Tuma Loan | 4.4 |
| 7 | LendPlus - Loan app Kenya | AVENTUS TECHNOLOGY LIMITED | 4.5 |
| 8 | Linker-Mkopo | Link Pesa Limited | 4.0 |
| 9 | TumaCash-X: Fast Pesa Loans | TumaCash Internet Service Company | 4.2 |
| 11 | Koro Loan App Kenya | Zenka Digital Limited | 4.4 |
| 12 | M-KOPA | M-KOPA Holdings Limited | 4.3 |
| 13 | Sulu Cash - Fast Loan Kenya | JIRANI LABS LIMITED | 4.2 |
| 14 | AdvancePoa - instant cash loan | ZAGREUS LIMITED | 4.3 |
| 15 | DG LOAN-Cash Online | LOAN PLUS DIGITAL CREDIT PROVIDER LIMITED | 4.3 |
| 16 | Fiza | Wabema Credit Limited | 4.6 |
| 17 | Pawa Kash | Sokohela Limited | 4.2 |
| 20 | Bora Credit | CERES TECH LIMITED | 4.4 |
| 21 | LEO CASH | Reazilla Dcp Limited | 4.2 |
| 23 | Zash Loan-Digital Loans Kenya | Zillions Credit Limited | 4.4 |
| 24 | Tala: Fast & Safe Pesa Loan | Tala Mobile | 4.5 |
| 25 | Boreleza: Instant Lending app | BOREAS LIMITED | 4.1 |
| 26 | PesaIn-You Choose the Due Date | Wabema Credit Limited | 4.0 |
| 28 | OnfonMobile | Onfon Mobile Ltd | 3.8 |
| 29 | Chapaa Loan - Easy for Cash | Chapaa Loan | 4.4 |
| 30 | ChapMali | Futureinno Digital Tech Limited | 4.4 |
| 31 | Meta Loan-Get money directly | Zillions credit limited | 4.4 |
| 32 | Kashbean – Mobile Loans | Creditarea Capital Limited | 4.5 |
| 33 | DAVIVA – quick personal loans | Pesakuu Credit Limited | 4.2 |
| 37 | ZeloCash – Quick & Easy Loans | Wabema Credit Limited | 4.0 |
| 39 | LineCash | Apex Lending limited | 4.5 |
| 41 | NeoPesa - Instant Pesa Cash | NeoFinance Limited | 3.4 |
| 43 | Apex Loan | Apex Lending limited | 4.3 |
| 45 | FairKash+ : Quick Online Loans | WESHARE LIMITED | 4.2 |
| 46 | Beta Pesa | Sokohela Limited | 4.2 |
| 47 | RocketPesa - Easy Cash Loan | Natal Tech Company Limited | 4.5 |
| 49 | Amini Loan | LAZO DSD INC. | 3.5 |
Investing & Trading
| # | App | Developer | Rating |
|---|---|---|---|
| 10 | HFM – Online Trading | HF Markets Fintech Services Ltd | 4.1 |
| 22 | FxPro: Online Trading Broker | FXPRO GROUP LIMITED | 4.4 |
| 35 | Binance: Buy Bitcoin & Crypto | Binance Inc. | 4.8 |
| 36 | Hisa | Rise Vest Technologies Ltd | 3.9 |
| 38 | MetaTrader 5 — Forex, Stocks | MetaQuotes Software Corp. | 4.7 |
Other finance apps
| # | App | Developer | Rating |
|---|---|---|---|
| 40 | Watch Video – Earn Cash Money | LoveMatch Apps Lab | 4.4 |
| 50 | Loan Calculator Ultra | Paulo DEV | 4.5 |
Frequently asked questions
Which Kenya apps can you integrate?
The M-PESA super app (My OneApp) and wallets such as MiniPay and Timiza; bank apps including KCB, Equity and Co-operative Bank; and mobile lenders such as Tala, Zenka, M-KOPA and Hypera Cash — plus others on the Kenya roster.
Can you read M-PESA balances and transaction history?
Where the M-PESA surface exposes them under authorization, we map wallet balances, P2P and merchant payment history, and bill or settlement lines for reconciliation.
What is the usual deliverable?
Working API or protocol source code for the named app, interface documentation, and a packaged API for UAT before source handoff.
Ready to integrate a finance app?
From USD 500 per app, typically 1–2 weeks. You test a packaged API first; source code is delivered after acceptance and payment. Tell us the target app to get a quote.
Discuss your integration