Direct Bill Payments · Kenya

Send Money Home,
Pay Bills Directly.

Skip the middleman. Your money goes directly to pay electricity, water, rent, and school fees in Kenya. No cash changes hands.

Start SendingSee How It Works

Our Promise

Webelievethepeoplewhoworkhardestdeserveabetterwaytosupporttheonestheylove.KayaSendmakesthatpossiblewithoutcashpickups,withoutmiddlemen,andwithouteverwonderingwhetheryourmoneyactuallyarrived.

Secured on blockchain

Every payment is recorded on-chain, giving you a transparent and tamper-proof trail of exactly where your money went.

Straight to the biller

Funds go directly to utility providers, landlords, and schools — no cash changes hands, no risk of it being spent elsewhere.

Real-time visibility

Track every payment from the moment you send it to the moment it lands. No black boxes, no chasing for updates.

How It Works

Take Care of
Your Family

01
Create Remittance

Create Remittance

Set up categories and spending limits for your recipient. Choose which bills to pay — electricity, water, rent, school fees — and how much to allocate to each one.

02
Secure Transfer

Secure Transfer

Your money is held in escrow until the bills are verified and ready to be paid. You stay in control at every step, with full visibility into where your funds are.

03
Bills Paid Directly

Bills Paid Directly

Payments go straight to verified utility providers, landlords, and schools. No cash changes hands. Your family gets the support, you get the confirmation.

The best part? No cash ever changes hands at any step.
So your family always knows the money arrived, and you always know it was spent right.

Why Families Trust Us

Built for Security,
Transparency, and
Peace of Mind

Every feature designed to give you confidence that your money reaches exactly where it needs to go.

Bank-Level Security

Bank-Level Security

Enterprise-grade encryption protects every transaction. Your money and data are secured with industry-leading protocols.

Instant Payments

Instant Payments

Bills paid in real-time to verified utility providers. No waiting, no delays, just immediate peace of mind.

Global Coverage

Global Coverage

Send from anywhere in the world. Pay bills across Kenya with verified providers you can trust.

End-to-end encryption
Verified providers only
24/7 support

The Bigger Picture

Remittances power
families. We make
them work better.

Over a billion people rely on money sent from abroad. Yet the system is expensive, opaque, and risky. KayaSend fixes that.

$47B+ sent to Sub-Saharan Africa yearlyAverage transfer fee: 8% of principal1 in 9 people globally depend on remittancesKenya receives over $4B in remittances annuallyHigh fees cost families hundreds of dollars a yearKayaSend: direct to bills, zero cash, full visibility$47B+ sent to Sub-Saharan Africa yearlyAverage transfer fee: 8% of principal1 in 9 people globally depend on remittancesKenya receives over $4B in remittances annuallyHigh fees cost families hundreds of dollars a yearKayaSend: direct to bills, zero cash, full visibility
The old way
Cash collected at a pickup point
No guarantee it's spent on bills
Fees of 8–20% eaten by middlemen
Days of waiting for confirmation
No receipt, no proof of payment
Risk of loss, theft, or misuse
The KayaSend way
Funds held securely in escrow
Paid directly to verified billers
Transparent, minimal flat fee
Real-time payment confirmation
Full blockchain payment trail
Cancel anytime before release
Start sending
$4B+
Sent to Kenya yearly
8%
Average fee lost to middlemen
3 steps
All it takes with KayaSend
0 cash
No physical money involved

FAQS

Got questions?
KayaSend
has answers.

Can't find what you're looking for? Reach out and we'll get back to you.

You set up a remittance specifying which bills to pay and amounts. Funds are held in escrow, verified, then paid directly to the utility provider, landlord, or school. No cash ever changes hands.