Choose buy or sell
Pick your asset — Bitcoin, USDT and more — and whether you're buying or selling. Lock a live quote for 15 seconds.
Koya price
BTC/ KES
Buy
8,294,710
Sell
8,294,710
Buy and sell crypto in Kenya, instantly.
Koya is the simplest way to move between shillings and Bitcoin, USDT and more. Cash in with M-Pesa, Airtel Money or your bank card — and cash out the same way, in seconds.
M-Pesa, Airtel & cardsSettles in secondsCompliance-screened
Convert
You pay
You receive
0.00
Quote
—
15
Instant settlementSecure
Start conversionGuest conversion up to KES 100,000/day. No account required.
USD / KES129.37+0.00%
BTC / KES8,294,710+0.00%
USDT / KES129.26+0.00%
USDC / KES129.35+0.00%
BTC / USD64,117.65+0.00%
How it works
Buy or sell crypto in three steps.
Whether you're cashing in or cashing out, Koya gives you a live, locked quote and settles in seconds.
Pay your way
Buying? Pay with M-Pesa, Airtel Money or a bank card. Selling? Send the crypto to Koya from any wallet.
Settle in seconds
Buying? Crypto lands in your wallet. Selling? Cash hits your M-Pesa, Airtel or bank account — instantly.
The Koya card
Spend your balance, anywhere Mastercard works.
A matte-black Mastercard tied to your Koya balance. Hold KES, BTC, or stablecoins — spend in any currency, settle instantly.
Multi-currency balance
Hold KES, BTC, USDC and USDT in one account.
Spend worldwide
Tap, swipe, or pay online anywhere Mastercard is accepted.
Live rates
Convert at transparent, mid-market rates — refreshed every 15s.
Stocks
Stocks, moving in real time.
Illustrative preview · sample data
AAPL+1.24%
$237.42Apple Inc.
TSLA-0.87%
$278.91Tesla Inc.
SPY+0.52%
$584.16S&P 500 ETF
MSFT+0.91%
$428.53Microsoft
Why Koya
Money should move like a message.
For most of Africa, moving value across a border still means queues, paperwork, and days of waiting. Koya rebuilds that rail on open money — mobile money in, Bitcoin out — so value travels at the speed of the internet, settles on-chain, and stays in your custody.
Coming soon
Koya is live in Kenya. Your country is next.
Tanzania, Uganda and Nigeria are next on the rail. Join the waitlist and we'll tell you the day Koya goes live near you.