Expendi

Cradle Labs Limited

About this app

Expendi helps you take control of your money. Organize your spending into pockets, grow your savings, automate your recurring payments, and move money in and out with mobile money — all from one simple app.

Budget with Pockets
Create dedicated pockets for rent, groceries, transport, or anything else. Give every shilling a job and always know exactly how much you have left to spend.

Save and Earn
Put money aside in savings pockets, or lock your savings for a fixed period to earn yield. Watch your balance grow with clear, transparent returns.

Pay and Get Paid Instantly
Send money to friends, pay merchants by scanning a QR code, and split bills with your group in seconds.

Automate Recurring Payments
Set up subscriptions, rent, and other repeat payments once — Expendi handles them on schedule so you never miss a due date.

Top Up and Withdraw with Mobile Money
Deposit from M-Pesa in seconds and withdraw back to your phone whenever you need to. Your money stays accessible.

Understand Your Spending
Built-in analytics break down where your money goes by category, so you can spot trends and adjust before the end of the month.

Secure by Design
Protected with passkey and biometric sign-in. Your funds are held as digital dollars (USDC stablecoins), shielding your savings from inflation while staying available on demand.

Download Expendi and start telling your money where to go.

What’s new

Spending and Savings wallets replace Personal and Smart, and you can now set up recurring payments straight from Spending.
Save together: group savings for family, friends, or your chama, with every contribution visible.
Cash out with confidence: see the fee and the exact amount landing in your account before you confirm, and track each payout to completion.
Find people you know from your contacts. Clearer receipts, faster onboarding, and the Expendi mark in your Android notification bar.