Pay by QR, even when there's no network.
In a market, a taxi or a village with no bars of signal, KuduPay still works. Scan a code, confirm the amount, and the payment settles the moment either phone finds a connection.
Simple by design.
Show or scan the code
The person getting paid displays their KuduPay QR; the payer scans it — no connection needed to start.
Confirm the amount
Both sides see and agree the amount on-screen. The payment is signed securely on the device.
It settles when online
As soon as either phone reaches a network, Kudu clears the payment and both parties get confirmation.
Built around the outcome.
Built for real coverage
With only 38% internet access across the region — and 23% in rural areas — money can't depend on a perfect signal. KuduPay doesn't.
Cash-like, but safer
No notes to carry, no change to make. Every offline payment is recorded, receipted and reconciled once you're back online.
Fraud-resistant by design
Payments are cryptographically signed on each device, so a QR can't be reused or forged while you were offline.
USDC & EURC rails
Regulated stablecoins settle your transfers in seconds — kept invisible.
Learn more →Cash agents
A verified marketplace of agents to deposit and withdraw cash near you.
Learn more →Exchange
Swap between currencies and stablecoins at fair, transparent rates.
Learn more →Rewards
Climb from Bronze to Diamond and earn as you send, save and refer.
Learn more →