01
Convert instantly
KES to BTC at live rates
Live Market Snapshot
BTC / KES Desk
Bid—Ask—
USD / KES129.49+0.00%
KES / USD0.01+0.00%
BTC / KES9,202,815+0.00%
BTC / USD71,048.55+0.00%
USDC / KES129.43+0.00%
USDT / KES129.29+0.00%
USDC / USD1.00+0.00%
USDT / USD1.00+0.00%
Borderless Finance
Fund via M-Pesa. Convert, hold, and spend globally.
One account for KES, USD, BTC, USDC, and USDT.
Fund from M-Pesa
Local entry, global utility.
Convert with live pricing
Clear quotes before execution.
Spend from wallet balances
One system for hold and spend.
Operate across borders
Built in Kenya, designed for global money.
koya
Black Reserve•••• •••• •••• 4821
Wallet rails
Expiry
09/29
Conversion interaction
Use the live conversion module below to preview KES to BTC quotes before entering the secure flow.
Try It
Preview your conversion
See indicative rates before you commit.
Indicative live quote
Preview a conversion
You pay
M-Pesa rail
You receive
0.00
Quote
Connecting to live rates...
InstantVerified
Guest conversion up to KES 100,000/day. No account required.
Trust Signals
Built for clear execution, secure custody, and accountable operations.
0s
Quote responsiveness
0%
Platform availability target
0/7
Monitoring coverage
0-bit
Encryption baseline
Segregated operational controls
Encrypted user and payment data
KYC and compliance checks
Auditable transaction trail
Platform Pillars
Platform pillars
Koya is built as connected infrastructure, not disconnected features. Every action stays within one accountable system.
02
Hold multiple currencies
One account, multiple wallets
03
Spend globally
Premium cards from wallet balances
04
Deploy into global markets
Access international assets from the same operating account used for funding and conversion.
How It Works
How it works
Koya keeps each stage explicit so users can understand where value is, how it moves, and what happens next.
Step 69e4e7daa42e01189bc583af
Start from familiar local rails.
Move value into Koya using M-Pesa and mapped wallet rails built for local behavior.
Security
Security first
Koya is engineered with layered safeguards so user funds, data, and transaction integrity remain protected under load.
Security is treated as product infrastructure. Every conversion action, identity checkpoint, and settlement event is captured with audit intent.
Encrypted data lifecycle
Sensitive user and payment data is encrypted in transit and at rest with strict access controls.
Operational safeguards
Critical workflows are guarded by policy controls designed for financial operations.
Continuous monitoring
Transaction and session signals are monitored for anomalies before settlement finalization.
Compliance workflow
Verification and risk checks are integrated into the product journey, not bolted on later.
koya
Institutional tier•••• •••• •••• 4821
Funding wallet
USD Account
Expiry
09/29
Control state
Card active with immediate freeze controls.
Settlement
Wallet-linked settlement in real time.
Koya Cards
Koya cards
Spend through a premium card surface while retaining explicit control over which balance is used and how conversions are applied.
Global merchant acceptance
Use one premium card across international commerce contexts and travel surfaces.
Instant controls
Freeze or unfreeze the card directly from your account controls in seconds.
Live transaction trace
Receive immediate visibility when money moves through card activity.
Controlled funding logic
Choose wallet funding behavior with explicit conversion and spending rules.
Card behavior remains accountable to the same conversion and wallet engine.
Global Finance
Global finance access
Use the same wallet and conversion foundation to deploy into major equities and ETFs with clear funding paths.
Fund from active balances
Deploy capital from wallets already inside your account system.
Fractional access
Enter global positions with smaller ticket sizes and clear exposure controls.
Cross-border participation
Move from local rails into international market assets without account switching.
Portfolio view
$18,420.60
+6.24% 30D
Settlement
USD Wallet
Allocation sketch
U.S. Equities
Broad ETFs
USD Cash
Funding path
KES wallet → USD conversion → market deployment.
Market list
AAPL
+1.24%TSLA
-0.87%SPY
+0.52%Begin with /convert
Ready to take control of your money?
Start a conversion in seconds, then continue inside one account system designed for institutional clarity.
Guest conversion flow remains encrypted, tracked, and compliance-screened.