About
Anchored by KCB. Built with Kenya's banks.
Lipafo is a quiet payments switch and settlement engine — designed so the apps, numbers and trust Kenyans already have can simply do more together.
The mission.
Make bank-to-bank payments feel as natural as Lipa Na — without asking Kenyans to learn a single new number, download another app, or hand their customer relationship to a third party.
The values.
- Banks own the customer — always.
- Honour the muscle memory — same Paybills, same Tills, same SMS.
- Quiet by design — the best rail is the one you barely notice.
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Lower fees vs current wallet hops*
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App — the one already on your phone
0s
Typical bank-to-bank confirmation
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Of Kenya's Tills, reachable
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Pilot banks (and growing)
Stay close to the journey.
Notes from the Lipafo–KCB team as more banks join the rail.
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