Fintech & payments.
Fintech product development for Kenyan operators — M-Pesa and bank integrations, KYC flows, double-entry ledgers, regulatory compliance, and apps that survive a 2am Daraja callback storm.
Built by a Nairobi studio that's shipped payment infrastructure in production for five different Kenyan fintechs.
Fintech in Kenya has genuinely-hard integration work hiding behind a deceptively simple UI. M-Pesa Daraja has callbacks that never arrive. Bank Open Banking APIs in Kenya are effectively KCB Buni and Equity Jenga Pay, and each has edge cases. A 'send money' screen that looks 10 minutes of work is 3 weeks when you account for idempotency, retries, reconciliation, compliance logging and edge-case recovery.
We've shipped savings apps, lending originations, remittance flows, B2B payments and subscription-billing infrastructure. The common pattern: a small, senior team pairing with the founder, sprints that include observability and compliance from day one, and a handoff with a runbook rather than a pile of undocumented code.
What we fix.
- 01Daraja callbacks that never arriveM-Pesa confirmation never hits your webhook. User sees 'Payment pending' forever. Support ticket storm. We wrap Daraja in idempotent retry + reconciliation so 0.5% stranded payments become 0%.
- 02KYC flow that losing 40% of sign-upsPhoto of ID, selfie, KRA PIN, next of kin, 12 checkboxes — all on one page. Users bail at step 3. We split, save-progress, and drop abandonment to under 15%.
- 03A ledger that breaks at 10K transactionsBalances computed on demand, no double-entry, reconciliation by spreadsheet. Works until it doesn't. We rebuild as proper double-entry with audit trail.
- 04Compliance docs scattered across 4 Google DrivesCBK audit coming in 6 weeks. No one can find the terms-of-service version that was live in April. We wire compliance logs into the data model.
Everything you walk away with.
- Mobile app (React Native or Flutter) + web dashboard (Next.js)
- M-Pesa Daraja integration (STK, C2B, B2C) with retry + reconciliation
- KCB Buni / Equity Jenga Pay integrations
- Card payments (Stripe, Pesapal, DPO)
- KYC flow with document OCR, selfie match, KRA PIN verification
- Double-entry ledger with audit trail
- Transaction dashboard + reports for ops team
- Observability (Sentry, PostHog, Datadog)
- Compliance-ready audit logging (CBK, Data Protection Act)
Typical clients.
- Savings / investment app
- Lending origination platform
- Remittance / cross-border payments
- B2B payments + invoicing
- Subscription billing infrastructure
- Neobank / digital wallet