Send KES, receive BTC
No account required for guest conversion.
How pricing works
Flat 1.5% fee
One transparent fee, shown on your quote before you confirm. No hidden spread.
Mid-market pricing
Rates are drawn live from multiple venues and refresh continuously.
Guest limit KES 100,000/day
Convert without an account. Sign in to raise your limits.
Compliance-screened. Every conversion is screened against global sanctions and AML rules.
Self-custody payouts. Crypto settles on-chain straight to your wallet — your keys, your coins.
All markets
Tap any asset to load it into Convert
Why convert with Koya
Transparent rates
Mid-market pricing with the spread shown up front — the rate you see is the rate you get, no hidden cuts.
Compliance-screened
Every conversion is screened against global sanctions and AML rules before it settles.
Self-custody payouts
Bitcoin settles on-chain straight to your own wallet — your keys, your coins.
Fast M-Pesa settlement
Pay in or cash out with M-Pesa — KES moves over instant STK and B2C rails, not next-day banking.