craft your savings
Pesacraft turns every M-Pesa deposit into steady progress you can see — save on your own, or with your chama. No spreadsheets, no guesswork.
progress, built one deposit at a time
what it is
Pesacraft is a savings app for the Kenyan mobile-money market. Deposit straight from M-Pesa, watch a real ledger track every shilling, and withdraw back to your phone whenever you need to — no branch visits, no paperwork to get started.
how it works
Sign up with just your phone number and a one-time code. No forms, no branch visit — you're in within a minute.
Tap deposit, confirm the prompt on your phone. STK Push moves cash from M-Pesa straight into your wallet — no card, no bank branch.
Behind the scenes, a double-entry ledger posts every deposit and withdrawal. Nothing moves unless the books balance to zero.
Watch your balance grow, then pull it back out to M-Pesa on your terms. No lock-ins in phase one.
built to last
Deposit and withdraw straight from the number you already use, via Safaricom's Daraja STK Push and B2C.
Every transaction is a journal entry that has to sum to zero. That's how banks keep books — not a number that can silently drift.
Get started with just your phone number. Fuller verification unlocks higher limits as you grow.
Every deposit and withdrawal is timestamped and searchable, so your balance is never a mystery.
Goals and group savings are next on the roadmap — built on the same ledger as everything else, so the accounting never has to be re-plumbed.
Phase one is a straightforward wallet: your money moves back to M-Pesa whenever you ask it to.
who it's for
You already move money on M-Pesa daily. Pesacraft gives that habit somewhere structured to land.
Group savings and shared goals are designed into the ledger from day one, and are next on the roadmap.
No minimum balance, no paperwork to open an account — just a phone number and a one-time code.
trust & security
Every deposit and withdrawal is posted as a journal entry that must sum to zero inside a database transaction — the same discipline banks use to keep their books honest.
Deposits and withdrawals run through Safaricom's Daraja API — the same infrastructure M-Pesa itself is built on.
Start with just a verified phone number. Fuller identity verification unlocks higher transaction limits as you need them.
Pesacraft is a technology platform. Deposits and withdrawals move through Safaricom M-Pesa; wallet balances are recorded on an internal double-entry ledger.
frequently asked questions
Pesacraft is a savings app that lets you deposit money from M-Pesa into a personal wallet, track every transaction on a real ledger, and withdraw back to M-Pesa whenever you need to.
Tap deposit in the app and confirm the M-Pesa STK Push prompt on your phone. Your wallet is credited as soon as Safaricom confirms the payment.
Request a withdrawal in the app. Pesacraft sends the funds to your M-Pesa number via Safaricom's B2C service — there's no lock-in period in phase one.
Every transaction is recorded as a double-entry journal entry that must balance to zero, so your balance is always a verifiable sum of real transactions, not a number that can drift or be edited directly.
No. Sign-up only needs a phone number and a one-time code sent by SMS. Higher transaction limits unlock as you complete fuller verification.
No minimum balance is required to open a wallet — deposit whatever amount you're ready to save.
We're finishing the sandbox rollout for Kenya. Leave your email and we'll let you know the moment Pesacraft opens up.