Koya Buy
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Koya Sell
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Fund via M-Pesa. Convert, hold, and spend globally.
Multi-currency wallets, live Bitcoin conversion, and premium cards — all from one Koya account.
M-Pesa funding
Deposit locally, hold globally.
Instant conversion
KES to BTC at live rates.
Premium cards
Spend from any wallet balance.
•••• •••• •••• 4821
Spend from
Expiry
09/29
Try It
Preview your conversion
See live indicative rates between KES, USD, BTC, and stablecoins — no account needed.
Preview a conversion
You pay
You receive
Quote
Connecting to live rates…
Guest conversions up to KES 100,000/day. No account required — just your phone and a BTC address.
Currencies supported
Uptime SLA
Avg. settlement
Encryption standard
Platform pillars
One account for how your moneymoves, stays, spends, and grows
Deposit via M-Pesa, hold multiple currencies, convert instantly, spend with a premium card, and invest in global markets — all from one Koya account.
Convert instantly
Switch between KES, USD, BTC, USDC, and USDT at live rates — fast execution, transparent pricing, no hidden fees.
Hold multiple currencies
Keep shillings, dollars, Bitcoin, and stablecoins in one account instead of juggling separate apps and bank accounts.
Spend anywhere
Use a premium Koya card funded from any wallet — pay in KES locally or spend in USD abroad, with real-time notifications.
Invest globally
Buy fractional U.S. stocks and ETFs from the same account you use to hold, convert, and spend your money.
How Koya works
One operating model fromlocal funding to global deployment
Koya is designed as a connected money system. Value comes in through familiar rails, moves between wallets with visible pricing, and leaves through cards, transfers, or market access without losing continuity.
Step 01 · Fund
Bring value into Koya without breaking momentum.
Start from the rail users already trust: M-Pesa, bank transfer, or crypto deposit. Funding lands into the right wallet context from the beginning, so the rest of the journey stays legible.
KES funding starts with a local-first rail instead of forcing users into a foreign onboarding pattern.
Incoming assets are reconciled into the correct wallet so balances stay explainable.
Verification expands progressively as account usage and limits increase.
Key signal
< 3 min
Typical local funding speed
Funding rails
M-Pesa, bank transfer, and crypto deposit flow into mapped wallet layers.
Flow behavior
The preview rotates through the full operating model automatically.
Security
How your moneyis protected
Koya is built with the same security standards used by banks and institutional platforms — encryption, monitoring, custody controls, and compliance from the ground up.
Your protection is built in,not bolted on.
Every layer of the platform — from login to settlement — is designed with protection in mind. Your accounts, your funds, and your data are guarded at every step.
Your funds are never commingled. Your data is never sold. Your security is never optional.
Your data is encrypted end to end
Everything from your login credentials to financial activity is encrypted in transit and at rest — your information stays protected.
Multiple layers protect your funds
Your money is held with institutional-grade custody controls — no single point of failure, no shortcuts.
We watch for suspicious activity 24/7
Every transaction and session is monitored in real time so unusual activity is caught and flagged before it becomes a problem.
Identity verification and regulatory compliance
KYC, sanctions screening, and transaction review are built in from day one — not bolted on later.
Every transaction is recorded and auditable
Your balances, transfers, and conversions are recorded with full consistency — every shilling and satoshi is accounted for.
Device and behavior checks block bad actors
Signals from your devices, sessions, and usage patterns help us identify and stop account takeover attempts and fraud.
Card holder
KOYA MEMBER
Expires
09/29
Koya cards
One card, funded fromany of your wallets
Koya cards connect directly to your wallets — spend in KES, USD, or auto-convert from crypto. Freeze instantly, see every transaction in real time, and control exactly how money leaves your account.
Global card acceptance
Spend across international merchants and everyday payment surfaces with one premium card layer.
Instant freeze controls
Lock and unlock the card immediately when something looks off, without calling anyone or performing rituals.
Live transaction visibility
Push notifications and real-time card activity help you see where value moved the moment it happens.
Wallet-linked funding
Fund from the right wallet and support auto-conversion when spending across currencies.
Physical and virtual cards can sit on top of the same wallet system, so funding, controls, and spending intelligence stay unified.
Global investing
Invest in U.S. stocksfrom your Koya account
Buy fractional shares of Apple, Tesla, S&P 500 ETFs, and more — funded directly from your Koya wallets. No separate brokerage account needed.
Fund from existing wallets
Use available balances instead of wiring money into disconnected platforms.
Fractional investing access
Enter positions with smaller ticket sizes while keeping exposure to major names and ETFs.
Global market participation
Expand beyond local cash storage into international public markets.
AAPL
Apple Inc.
$237.42
+1.24%
TSLA
Tesla Inc.
$278.91
-0.87%
SPY
S&P 500 ETF
$584.16
+0.52%
MSFT
Microsoft
$428.53
+0.91%
Ready to take controlof your money?
Join the waitlist for early access to Koya — deposit via M-Pesa, hold multiple currencies, buy Bitcoin, invest globally, and spend with a premium card. All from one account.
Join the list
No spam. Early members get priority access, product updates, and first visibility into rollout waves.