Send & receive money
Transfer to anyone — by name, number, or account. Kairo resolves the details so you don’t have to hunt for account numbers.
Money moves the way you talk
Send money, pay bills, and buy from businesses, all from WhatsApp, your voice, or a quick snap of account details. No app. No learning curve.
Start on WhatsApp
Features
From splitting a dinner bill to buying from a local vendor, all from the chat you’re already in.
Shop from local businesses
Kairo businesses list their products on the platform. Browse, pick, and pay without leaving the chat.
Pay bills instantly
Sign up with your business name and phone. Your wallet is ready immediately — no forms, no waiting.
Snap to pay
Take a photo of any account slip or invoice. Kairo reads the details and prepares the transfer — you just confirm.
Three words and your money moves
Say what you want
Type it, say it, or snap a photo of the account details. Kairo understands plain language — even in Yoruba, Pidgin, Hausa, or Igbo.
Kairo confirms
Before anything moves, Kairo shows you a clear summary — recipient, amount, and source. One tap to confirm or simply say “yes.”
Done in seconds
Money sent. Bill paid. Receipt in your chat. Everything tracked automatically so you always know where your money went.
Kairo was built for how Africans actually talk.
Start free today- Yoruba
- Igbo
- Hausa
- Pidgin
- English
- French
- Swahili
Start talking money today
Join thousands of people who moved their finances to the chat. Free to start. Nothing to install.
Start on WhatsApp