Coming soon

Invoice the world.
Get paid at home.

Kipato is the merchant-of-record platform for African freelancers, creators and contractors. We issue the invoice, collect from your client by card, bank or USDC, and pay you out locally — no escrow, no waiting.

No foreign bank account.
No waiting days.

Just an invoice, and money that lands on your phone.

A real invoice, right now

Invoice paid by a client in London

$450.00 KSh 58,400

Landed in Nairobi · 14 minutes

Invoice paid by a client in Toronto

$800.00 ₦1,104,000

Landed in Lagos · 9 minutes

Invoice paid by a client in Berlin

$620.00 KSh 80,200

Landed in Nairobi · 11 minutes

Illustrative example of how settlement works.

Built for three kinds of people

One platform, three doors in.

Freelancers & creators

Turn client work into a real invoice. Get paid to mobile money, bank, or self-custody USDC — funds land the moment your client pays, no escrow hold.

Join the waitlist

Clients & businesses

Pay African talent the way your finance team expects — a proper invoice, KYB-checked counterparties, and settlement by card, bank transfer, or USDC.

Get in touch

Partners & institutions

Kipato Ltd is UK-registered and pre-launch, with KYC, KYB, transaction monitoring and wallet screening built in from day one — currently in end-to-end testing.

Partner inquiries

Partner sign-in Coming soon

How it works

Three steps, from invoice to money in hand.

Invoice

Kipato issues a proper invoice to your international client as merchant of record.

Client pays

They pay by card, bank transfer, or USDC — whatever works on their end.

You get paid

Funds settle to you locally — mobile money, bank, or self-custody USDC. Immediately, no escrow.

Smile ID biometric KYC Client KYB before invoicing Sardine transaction monitoring Elliptic wallet screening No escrow — instant settlement

Launching first in KenyaNigeria — expanding next to GhanaUgandaSouth Africa

Invoice the world.Get paid at home.

No foreign bank account.No waiting days.