🇰🇪Qoyla · Kenya

From M-Pesa to a plan.

Money moves fast on mobile rails. Qoyla adds the layer that says what to do next, across M-Pesa and your bank, with every shilling’s plan traceable.

Get startedAll countries

Built on the rails you already use

M-Pesa awareMobile-money flows read alongside bank accounts, one safe-to-spend across both.M-Pesa
Bank-grade partnershipsDelivered with Kenyan banks, your KCB or co-op account stays exactly where it is.
Chama, with receiptsGroup savings with contributions and payouts recorded for every member.

What it looks like here

Daily float, protected

School fees and rent reserves are held apart from day-to-day M-Pesa spending.

Cross-border, both ways

Diaspora support in and out, planned, not a surprise every month.

Safe growth in shillings

Idle balances matched to regulated options that fit your timeline.

Through institutions you know

Launching with Kenyan partners, the same contract as everywhere: consent first, proposals with reasons, your approval before anything moves, and a sealed record after.

Your money, clearer this month

Connect through your bank and see your first safe-to-spend in minutes.

Get startedHow pricing works