PesaMaal is the platform finance teams use to pay beneficiaries across bank transfer, mobile money, and digital wallets, with maker-checker approvals, sanctions screening, and a full audit trail on every shilling.
Disbursement
DSB-4471 · Driver payouts
Total amount
KES 1,240,000
84 beneficiaries · 3 channels
Mary Wanjiru
M-Pesa
KES 18,500
Acme Logistics Ltd
Equity Bank
KES 142,000
Daniel Otieno
Airtel Money
KES 9,750
Wallet balance · KES
8,640,200
Coverage
Pick a country to see the banks, mobile money, and wallets PesaMaal settles to. Beneficiaries are paid through the rails they already use.
5 countries
Live coverage across East Africa
3 rails
Bank, mobile money, and wallets
99.9%
Uptime, monitored around the clock
Under 60s
From approval to settlement
The platform
From a single payment to a bulk run of thousands, PesaMaal keeps every disbursement controlled, compliant, and fully traceable.
Pay bank accounts, M-Pesa, and digital wallets from one balance. One workflow across every rail.
Every payout needs a second approver. Self-approval is blocked by design, with no exceptions.
Beneficiaries are checked against OFAC and UN consolidated lists on every create and update.
Hold a balance per currency and disburse across borders with built-in conversion support.
Upload a spreadsheet for thousands of payments, or issue PIN-secured vouchers for cash collection.
Live risk-exposure scoring across your pipeline, plus signed webhooks into your own systems.
How it works
Top up via M-Pesa or bank transfer and hold a balance in every currency you pay out in.
Single payment or bulk upload. Beneficiaries are KYC-checked and sanctions-screened automatically.
A second approver signs off, funds settle through the channel, and everyone gets an audit trail.
Security first
PesaMaal moves real funds, so every layer is designed for control and accountability, from login to ledger.
Explore the controlsTOTP authenticators and recovery codes enforced on every account.
Granular permissions across operators, finance managers, and auditors.
Every action recorded and retained for seven years.
Data encrypted in transit and at rest, sessions included.
Per-transaction, daily, and monthly caps tuned per organization.
Policy gates and data-subject request handling out of the box.
Set up your organization, invite your finance team, and run your first disbursement in minutes.