KYC-verified peer-to-peer lending

Secure peer-to-peer lending powered by
digital agreements

Verify identity, agree terms, sign contracts, and track M-Pesa loan funding and repayments — all in one trusted platform.

Start Borrowing

Start Lending

DISBURSED: KES 12M+; DISBURSED
ON-TIME REPAYMENT: 98%; ON-TIME REPAYMENT
VERIFIED USERS: 5,400+; VERIFIED USERS

Features

Everything you need to lend with confidence

Borrow or fund loans through verified profiles, clear contracts and tracked M-Pesa transactions.

Verified Identity

Every borrower and lender completes KYC with ID, selfie and a verification video.

Digital Contracts

Agree on terms and sign a legally-styled contract with typed name and signature.

M-Pesa Funding

Disburse and repay through M-Pesa STK Push. Every transaction tracked.

Repayment Tracking

See balances, due dates, late fees and a full transaction history.

Trust Scores

Build a reputation through verified profiles and on-time repayments.

Bank-grade Security

Encrypted documents, audit logs, and dispute resolution baked in.

How it works

Four simple steps to a funded loan

Verify your identity

Complete a quick KYC with your ID, selfie and a short verification video.

Request or fund a loan

Borrowers post requests; lenders browse verified profiles and make offers.

Sign the digital contract

Both parties review terms, consent, and sign with typed name and signature.

Disburse & repay via M-Pesa

Send funds with STK Push and track every repayment with receipt reconciliation.

Trust & Security

Built with safeguards at every step

PesaTrust combines identity verification, secure document storage, signed digital contracts and audit logs so you can lend and borrow with peace of mind.

Encrypted, private KYC documents
Row-level access controls on all data
Signed contracts with consent records
Audit logs of every sensitive action
Disputes mediated by PesaTrust admins

Made for Kenya. Built on M-Pesa.

Every funding and repayment flows through M-Pesa, with checkout request IDs and receipt numbers logged for both parties. Reconciliation is automatic.

Sample receipt

SHJ7XK2L99 · KES 25,000 · 14:45

Transparent pricing

Pay only when value is delivered

No setup fees. No subscription required to borrow. Lenders start free and upgrade as they grow.

For borrowers

Simple, success-based pricing

Borrower

3%platform fee on funded loans

Pay nothing until your loan is funded. Fee deducted at disbursement.

Free KYC verification
Unlimited loan requests
Digital contracts included
M-Pesa disbursement & repayments
Dispute mediation included

Apply for a loan

For lenders

Plans that scale with your portfolio

Starter

Freeforever

For individuals lending to friends, family or your first borrowers.

Up to 2 active loans
Standard borrower matching
Basic loan analytics
M-Pesa repayment tracking

Start lending free

Pro

KES 1,500per month

For active lenders building a diversified loan portfolio.

Unlimited active loans
Priority borrower matching
Advanced portfolio analytics
Auto-offer templates
Premium contract designs
Expanded marketplace lending limits
Lower platform fee on disbursement
Email & SMS repayment reminders

Upgrade to Pro

Institutional

Customtalk to sales

For SACCOs, chamas and lending institutions operating at scale.

API access & bulk uploads
Custom contract templates
Dedicated account manager
Compliance & reporting exports
Custom KYC tiers

Contact sales

Transaction fees

Small, predictable per-transaction costs

Cover M-Pesa processing and platform operations. No hidden charges.

ActionFeeWhen

M-Pesa disbursementKES 100Charged once per funded loan

M-Pesa repaymentKES 50Per successful repayment

Late reminderKES 30After grace period lapses

Dispute resolutionKES 500Split between parties, only if escalated

Ready to start?

Create your account and complete KYC in under 5 minutes.

Get started free

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FAQ

Questions, answered

Our digital contracts include both parties' verified details, signatures and a consent record — designed to support enforceability under Kenya's electronic transactions framework.

Legal & compliance

Clear rules before you lend or borrow

Every account starts with transparent platform policies. Review the documents that govern identity verification, wallet-only transactions, and digital loan contracts.