< 1.5s
Target P2P response
Measured by configured rail
Fedha.Money that moves at the speed of thought.
Fedha is built on a simple thesis: personal money should feel as light as a text message, work in fiat or stablecoins, and settle as fast as you decide. We engineer the seam between mobile-first UX, banking-grade settlement, and on-chain stablecoin rails — so a transfer is instant whether you're sending shillings to a friend or USDC across borders. No surprises. No staging. No reversals you didn't ask for.
5+
Stablecoin rail model
Across supported chains
< 90s
Target onboarding flow
Subject to partner checks
01 · Capabilities
What Fedha does.
01
Low-latency P2P transfers
Transfer flows designed for mobile money, bank, and stablecoin rails, with settlement state visible to the user.
02
Fiat & stablecoin wallet model
A unified balance model for local currency, USD, and major stablecoins with clear routing and conversion states.
03
Cross-border routing
Partner-led routing patterns for stablecoin transfers and local-currency off-ramps where supported.
04
Bank-grade security patterns
Biometric auth, device binding, hardware-backed keys, and transaction-risk monitoring designed into the stack.
05
Mobile-first by design
Built for the next billion: lean payloads, offline-tolerant, accessible at every breakpoint.
06
Open APIs
Embed wallet flows into existing apps with REST and webhook patterns for payments, identity, and balances.
02 · Process
From signup to settled.
- 01
Onboard
KYC flows designed around document, selfie, and partner review requirements.
- 02
Fund
Top up from M-Pesa, debit card, bank account — or receive stablecoins direct to your wallet address.
- 03
Move
Send to any phone, IBAN, or wallet. We handle the routing across fiat and on-chain rails for you.
- 04
Reconcile
One ledger across fiat and stablecoin balances. Receipts, statements, exportable history.
03 · Integrations
Built across the rails that matter.
Mobile money
M-PesaAirtel MoneyMTN MoMoOrange Money
Stablecoins
USDCUSDTEURCcKESDAI
Card networks
Visa DirectMastercard SendApple PayGoogle Pay
Banking rails
RTGS (CBK)PesaLinkSEPA InstantACH
Ready to integrate
Build on Fedha.
Tell us what you're building. A partner-level engineer responds within two business days.