Send money to any phone number in seconds. No bank account needed. Built for Kenya, designed for everywhere.
A complete mobile money platform with consumer wallets, agent cash-in/cash-out, real-time SMS notifications, and a double-entry ledger that never lies.
Every shilling is tracked with debit + credit entries. Append-only, tamper-proof. SUM(debits) always equals SUM(credits).
Sign in with Google in one tap. Verify your phone only when money moves. Your phone number is your payment address.
Cash-in and cash-out through agents with float wallets, commission tracking, and real-time settlement. Isolated customer PIN entry.
Native apps for consumers and agents. USSD for feature phones. SMS notifications on every transaction. Push alerts via Expo.
KYC tiers with progressive limits. Per-transaction, daily, and monthly caps. Suspicious activity flagging. Fee schedules per transaction type.
RESTful API with Sanctum auth, typed request/response contracts, Scramble-generated OpenAPI docs. Build anything on top.
No paperwork. No branch visits. No waiting.
One tap. Your Google name and email create your WalletX account instantly. Browse the app, see your wallet — no phone number needed yet.
First time you send or receive money, we ask for your phone number. Quick OTP verification. Your phone becomes your payment handle — how people find and pay you.
Choose a 4-digit transaction PIN (just like M-Pesa). Send money, receive money, cash in/out through agents. PIN or biometrics to confirm — you're in control.
Financial-grade security at every layer.
Every money movement requires your 4-digit PIN or biometric verification.
Transactions can never be edited or deleted. Corrections happen through reversals only.
OTP, PIN, and transaction endpoints protected against brute-force attacks.
Sensitive screens block screenshots. App switcher shows a blur overlay.
WalletX is live in demo mode. Explore the platform, test the API, review the admin panel.