Kesh Pay is a financial app designed to help users manage money, make payments, and access digital financial services from a single wallet. The app supports multiple currencies and is available in over 48 countries.

MULTI-CURRENCY ACCOUNTS

Hold and manage both fiat and cryptocurrency balances in one place. Supported currencies include Nigerian Naira (NGN), US Dollars (USD), British Pounds (GBP), Euros (EUR), and others. Users can switch between currencies within the app.

BUY & SELL CRYPTO

Buy and sell cryptocurrencies including Bitcoin (BTC), Ethereum (ETH), USDT, BNB, Solana, and other supported assets. View real-time prices and complete trades directly within your wallet.

VIRTUAL CARDS

Create virtual Mastercard and Visa cards for online payments. Use cards for subscriptions, online shopping, and international merchants. Users can set spending limits, freeze or unfreeze cards, and receive transaction notifications.

SEND & RECEIVE MONEY

Send and receive money within the app using usernames or bank transfers. Peer-to-peer transfers between Kesh users are processed instantly within the platform.

PAY BILLS

Purchase airtime and data, and pay for electricity, cable TV, internet, and other supported utility services directly from your wallet.

USD ACCOUNT

Access a US Dollar account with US bank details to receive international payments from clients, businesses, and supported platforms.

NEARBY PAYMENTS

Make in-person payments to nearby users using GPS discovery or NFC. This feature supports quick transfers between individuals and participating merchants.

SHOP & MARKETPLACE

Access digital products such as gift cards and refills within the app. Users can also buy and sell items through the in-app marketplace with escrow-based transaction support.

INVOICES & BUSINESS TOOLS

Create invoices, accept crypto payments via an embeddable widget, track transactions, and generate basic financial reports for personal or business use.

POOLS & FUNDRAISERS

Create group savings pools or fundraisers for shared goals, events, or community projects. Contributions and balances are visible to participants.

GAMES & REWARDS

Access in-app games and referral features that provide reward credits based on usage and participation.

SECURITY FEATURES
• Encrypted data protection
• Biometric authentication (fingerprint and facial recognition, where supported)
• Passcode protection
• Transaction notifications
• Two-factor authentication (2FA)
• Card freeze and unfreeze controls

SUPPORT

Get assistance through in-app chat, support tickets, and a help centre with frequently asked questions.

GETTING STARTED
1. Download the app
2. Create an account
3. Complete identity verification (KYC)
4. Fund your wallet and start using available services

Kesh Pay is built for individuals and businesses looking to manage payments, digital assets, and everyday financial activities from one application.