pesabit
Crypto as simple as M-Pesa.
The problem
You want crypto, but the exchange’s KYC verification takes days. And you lose 5% to fees. For a small buy, it’s not worth it.
What pesabit does
Sellers escrow their crypto with pesabit. You walk in, pick an offer, send M-Pesa via STK push, and the system validates your payment, releases the crypto to your phone-keyed wallet, and credits the seller a settlement balance. The whole trade is secured by a double-entry ledger—every Ksh and every sat is accounted for.
What you get
Instant trading. You have M-Pesa? You trade immediately—no lengthy signup process standing between you and your first trade.
Automatic STK push. The system initiates the M-Pesa payment. Simpler, faster, fewer mistakes.
Your wallet is tied to your phone. Crypto lands in a custodial holding keyed to your number. Simple, ready to use.
Escrow protection. pesabit holds the crypto until you confirm receipt. The seller is protected too—their balance settles immediately.
Zero transaction loss. Double-entry ledger accounting means every transaction balances. Nothing disappears.
Engineering challenge
A trade has two settlement legs (M-Pesa KES, on-chain crypto) that have to move in lockstep: seller posts an offer (escrows crypto), pesabit initiates the M-Pesa STK push, and only once that payment lands does it release crypto to the buyer’s wallet and credit the seller’s KES balance. A 2-hour hold protects against chargebacks before a seller can withdraw. The double-entry ledger underneath accounts for every Ksh and every sat across both legs, so a failure partway through a trade can’t leave one side settled and the other not.
What this proves
Building payment infrastructure? pesabit is our proof: two-leg settlement and ledger accounting that never loses a transaction.
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