Step 01
Send via M-Pesa
Enter your deposit and confirm with your PIN. The same STK Push prompt you've used a thousand times.
Daraja 3.0 API
Decentralized Money for East Africa
Your M-Pesa
money, finally
earning.
Deposit KES via M-Pesa. Earn 5–15% APY through Solana DeFi protocols. Withdraw back to M-Pesa anytime. No crypto wallet, no jargon — just your money, working harder.
Live yield simulation
KES 10,000 deposit · 10% APY
KES 0.0000
▲ Earning 10% APY · ticking every second
This is what KES 10,000 earns on DePesa.
M-Pesa earns you exactly KES 0.0000.
The gap is real. DePesa closes it.
51M+
M-Pesa users in Kenya
0%
M-Pesa idle yield
5–15%
DePesa APY on Solana
<400ms
Solana finality speed
01 — How it works
Four steps. One M-Pesa account.
Step 02
KES converts to USDC
Your shillings are converted to USDC stablecoin at live market rates. Minimal fees. Maximum speed.
On-Chain Conversion
Step 03
Earn DeFi yield
USDC is deployed into Solana's top yield protocols automatically. Your balance compounds every single day.
Kamino Finance · Solana
Step 04
Withdraw to M-Pesa
Cash out any time. Earnings convert back to KES and arrive in your M-Pesa wallet within minutes.
Instant Withdrawal
02 — The yield gap
Where your money should be working.
Product
Annual Yield
Return on KES 10,000
M-Pesa Balance
0%
KES 0 / year
Kenyan Savings Account
3–4%
KES ~350 / year
Treasury Bills (Kenya)
~10%
KES ~1,000 / year
DePesa (Solana DeFi)
5–15%
KES 500–1,500 / year
03 — Why DePesa
Built for East Africa, first.
F — 01
No wallet required
No seed phrases, no MetaMask, no crypto knowledge. Deposit and withdraw using M-Pesa exactly as you do today.
F — 02
Always shown in KES
Your balance, earnings, and withdrawals are always displayed in Kenyan Shillings. Conversion happens behind the scenes.
F — 03
Non-custodial protocol
Your funds are held in a Solana smart contract — transparent, auditable, and always yours to withdraw.
F — 04
No lock-up periods
Withdraw any amount, any time. No notice period, penalties, or minimum lock-ins.
F — 05
Powered by Solana
Fast finality and low fees make Solana ideal for stablecoin-powered yield products at scale.
Be the first to earn with DePesa.
We're onboarding our first users from Kenya and East Africa. Join the waitlist and we'll reach out via SMS when early access opens.