X402PESA: Global payments via x402 protocol.
Send, spend and stream money anywhere in the world with fees so small they feel like a typo, in under a second, fully onchain and chain agnostic.
Powered by the x402 protocol. Fully onchain. Chain agnostic. Worldwide.
vs typical mobile money, estimated.
Payments should be instant, global, and nearly free.
In 2007, M-PESA proved mobile money could transform economies.
In 2025, we're taking it further: fully onchain, chain-agnostic, and available to anyone, anywhere.
X402PESA uses the x402 protocol — money that moves like data across any blockchain, settling in milliseconds with fees so small they disappear.
Slide your rent, see your savings.
Drag the amount and see how much fee you lose today versus on an internet-native rail.
Old Rail (typical mobile money)
Higher fees- You send
- KES 25000.00
- Fee
- KES 108.00
- They receive
- KES 24892.00
X402PESA
Tiny fees- You send
- KES 25000.00
- Fee
- KES 5.00
- They receive
- KES 24995.00
On this single transfer, you'd save
KES 103.00
That's 95% less than typical mobile money fees
Illustrative comparison based on typical mobile money fees. Actual savings may vary.
What X402PESA actually unlocks.
Low fees are just the surface. X402PESA sits on the x402 protocol, which turns payments into something software, people and businesses can compose and automate in real time.
Software that can actually pay its own way.
- AI agents that buy data, tools and compute on demand using x402 micropayments.
- Background services that top up, rebalance and settle without waiting for you to tap a button.
- Per-request payments for APIs instead of fixed monthly subscriptions.
These patterns only become economical when fees are microscopic and settlement is effectively instant — which is exactly what x402 + X402PESA are designed for.
Instant rails that don't stop at borders.
- Cross-border payouts that land in seconds, not days.
- Streaming salaries and micro-grants that unlock as work is done.
- Programmatic rules: per-day, per-region, per-agent limits built into the rail.
These patterns only become economical when fees are microscopic and settlement is effectively instant — which is exactly what x402 + X402PESA are designed for.
Viable payments that were impossible before.
- Pay-per-second access to content, data, bandwidth or tools.
- Tiny unlocks: KES-level paywalls instead of heavy subscriptions.
- Event-based pricing: only pay when an action or outcome actually happens.
These patterns only become economical when fees are microscopic and settlement is effectively instant — which is exactly what x402 + X402PESA are designed for.
Money that moves with proof, not hope.
- Cryptographic receipts for every payment, instantly auditable.
- Pay-on-proof patterns: release funds when data, delivery or conditions are verified.
- Programmable controls to cap, pause or route suspicious flows in real-time.
These patterns only become economical when fees are microscopic and settlement is effectively instant — which is exactly what x402 + X402PESA are designed for.
Built for people, powered for business, ready for agents.
For everyday people
- Send 50 bob without losing 10 to fees.
- Pay your mama mboga and boda riders instantly.
- Use it at kiosks, landlords, side hustles — same as you use M-PESA, just kinder on your balance.
For merchants & SMEs
- Instant settlement on every payment.
- Keep more of each transaction with fees tuned for volume, not punishment.
- Clean APIs for collections, payouts and reconciliation — no CSV acrobatics.
For builders & agents
- x402-native rails for pay-per-use APIs and micro-services.
- Let your agents pay for data, compute and tasks in KES.
- One SDK: stable, low-fee rails on top of modern chains, hidden behind a familiar balance screen.
How it works
1. Top up or receive
Add value from bank, card, or get paid by anyone using X402PESA.
2. Tap to send or pay
Pick a contact or business, enter an amount, see the exact fee before you send.
3. Money lands instantly
They see it in under a second. No 'pending', no guesswork, no waiting at the till.
Safety isn't a feature. It's the baseline.
- End-to-end cryptographic signatures on every transfer.
- Transparent ledger with human-readable receipts.
- Designed with regulators and compliance from day one — not as an afterthought.
If something looks off, you always see it. If something goes wrong, there's always a trail.
Today: you tap to pay. Tomorrow: your agents pay for you.
X402PESA is ready for a world where software does more of the busywork.
Budgeting bots, trading agents, bill schedulers — they all need a way to pay for:
- Data they consume
- Compute they use
- Micro-rewards they distribute
Our rails speak x402, the language of machine-to-machine payments — without changing the simple balance screen your aunt relies on.
A glimpse of the rail in your pocket.
These are early design directions for the X402PESA app: familiar like mobile money, tuned for a world where money moves like data.
Global payments, powered by x402.
We're onboarding early users, merchants and builders worldwide. Whether you're in Nairobi, New York, or anywhere in between — join the future of onchain payments.
Free to join • No commitment