Your money,
your network.
Send, receive, save and grow with PesaNet. P2P transfers, peer lending, virtual cards, and mobile money — all secured and in one place.
50K+
Active users
$12M+
Transactions processed
8
Countries served
Good morning,
Alex K.
Total Balance
$4,218.50
Sent this month
$1,240
Received
$890
Recent
Everything You Need
One app. All your money needs.
From everyday payments to peer lending and international transfers — PesaNet brings the full power of modern finance to your pocket.
Digital Wallet
Hold, spend and manage your balance in real time. Fund via bank transfer or debit card. Track every transaction instantly.
P2P Transfers
Send money to any PesaNet user in seconds. Request payments with a single tap. No waiting, no friction.
Virtual Debit Card
Get a Visa virtual card linked to your wallet. Shop anywhere Visa is accepted — with PIN protection and instant freeze/unfreeze.
Peer Lending
Lend to your trusted network and earn interest. Borrow at fair rates without a bank. Peer-to-peer, transparent, and direct.
Mobile Money
Link your mobile money account and move funds seamlessly. Works with major mobile money operators in supported countries.
Cash Agents
Deposit or withdraw cash at any authorised PesaNet Agent near you. No bank account required for cash-in or cash-out.
International
Send money across borders without the fees.
Traditional wire transfers are slow and expensive. PesaNet connects your bank account, mobile money wallet, and global network — so money moves the way it should.
- Bank-to-wallet transfers via Plaid ACH — no wire fees
- Mobile money delivery to M-Pesa, Airtel Money, and more
- Competitive exchange rates with no hidden markups
- Real-time status tracking from send to receipt
- Compliant with FinCEN and applicable local regulations
Peer Lending
Lend to your network.
Borrow with trust.
Skip the bank. PesaNet connects lenders and borrowers directly — peer-to-peer, on your terms.
Lend & Earn
Put your idle balance to work. Offer loans at your chosen rate and earn real interest from your network.
- Set your own interest rate and loan term
- Choose public community offers or trusted-peer-only
- Earn interest on every repayment, net of platform fee
- Full transparency — track all active loans in real time
- PesaNet takes 20% of interest; rest goes to you
Borrow Fairly
Need funds? Browse loan offers from real people at fair rates — no predatory banks, no opaque fees.
- Browse community and peer-only loan offers
- Simple interest, disclosed upfront — no surprises
- Government ID verification required for trust
- Repay on your schedule; track progress in app
- Build reputation within your Trusted Peer Network
Trusted Peer Network
Invite trusted contacts to unlock private lending offers not visible to the public.
KYC-Verified Borrowers
Every borrower must complete government ID verification before accessing any loan.
Transparent Interest
Simple interest only. Total repayable shown upfront. No compound fees or hidden charges.
How It Works
Up and running in minutes.
No paperwork. No branch visits. Get started with PesaNet completely online.
Create Your Account
Download PesaNet, enter your email and phone number, and set up a secure PIN in under 2 minutes.
Verify Your Identity
Upload a government-issued ID and take a quick selfie. KYC verification unlocks full app features.
Link Your Bank
Connect your bank account securely via Plaid. No account numbers typed — just your bank login.
Send, Save & Grow
Top up your wallet, send money instantly, earn on peer loans, and manage everything from one dashboard.
Security First
Your security is our priority.
PesaNet was built with a security-first architecture. Every layer of the platform is designed to protect your money and your data.
End-to-End Encryption
All data is encrypted in transit with TLS 1.3 and at rest with AES-256. Your information is never readable in plain text.
Device Fingerprinting
Cryptographic device fingerprints identify trusted devices. Unrecognised devices are blocked before any transaction.
PIN & Biometric Auth
Every sensitive operation requires your PIN — stored as a one-way hash. Biometric authentication adds an extra layer.
Real-Time Fraud Detection
Machine learning monitors every transaction for anomalies. Suspicious activity is flagged and reviewed within minutes.
Secure Infrastructure
Hosted on AWS with role-based access controls, MFA for all staff, and regular third-party penetration testing.
AML & Sanctions Screening
Every user and transaction is screened against OFAC, EU, and UN sanctions lists in real time. Fully BSA compliant.
Regulated, certified, and trusted
Get Started Today
Download PesaNet — it's free.
Join 50,000+ users managing their money smarter. Available on iOS and Android.
PesaNet, Inc. is a FinCEN-registered Money Services Business and licensed money transmitter. Wallet balances are not FDIC-insured. Legal & Compliance